davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (PR)

in 2015 my wife XXXX, we had a mortgage loan with the XXXX XXXX XXXX XXXX XXXX, she was the co-signer on this loan, so I went to the bank and got the approval for a special forbea-rance or moratory of payments for a year period by the loss and mitigation program of the bank because I am a XXXX and the loan is XXXX mortage loan, but regardless I was approved by the bank to not make payments for one year and only pay XXXX dollars per month, wich I paid on time every month the bank still reported to the credit bureau that I was on delinquency on payments or failing to pay. I understand that this is not fair and the bank was supossed to not report to the credit bureau because a was under a legal agreement with them. I expect there has to be a law to protect the consumers tha are under a hardship situation and had complain with the requirements by the mortgage banks.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I requested a balance transfer of {$600.00} from one of my American Express ( Amex ) cards to my XXXX XXXX XXXX ( XXXX  ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with Amex on their chatting system. The XXXX said that it can not be processed on the day ( XX/XX/XXXX ) and the Amex said that they did not receive any request from the XXXX XXXXXXXX XXXX. So I cancelled the balance transfer with the XXXX and told the Amex about the cancellation - I first requested an adjustment of the amount transferred but XXXX said that it is not possible, which leads to the cancellation and another balance transfer. However, on XX/XX/XXXX, I was aware that it had been processed. {$600.00} was transferred to the XXXX. That is, both balance transfer were processed. 

I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the XXXX XXXXXXXX XXXX side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same day. I chatted with lots of people on the America Express side.
Consumer complaint received 2017-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PR)

Hello, recently I noticed a transaction in my paypal account for XXXX $ this transaction is fruadulant and now I 'm missing XXXX $ that was going to be used to pay bills. I live paycheck to paycheck and now I 'm behind. I contacted paypal about this and they said it would be reviewed but then they did nothing! They just silently closed the review case. I got some details on who scammed me including personal information and I do n't know what to do. I want to press charges on them!! And make them pay for this but more importantly I want my money back!!
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
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. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-03
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. (NY)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (PR)

Property in controversy is the main home of my family and we are interested in considering the options in full to be able to retain it. For this reason, on XX/XX/XXXX, we began the loss mitigation process " Loss Mitigation '' with Ditech Financial LLC. 

From XX/XX/XXXX to XX/XX/XXXX, all mortgage payments were made and collected by Ditech. Including, the payments corresponding to the months of XXXX and XXXX of XXXX were sent to Ditech but for reasons that we do not know they refused to collect them and they were returned. 

Due to Ditech 's delay in responding to the request for mitigation of losses and refusal to collect the months of XXXX and XXXX, we were obliged to file a complaint with the Office of the Commissioner of Financial Institutions ( OCIF ) case number XXXX dated XXXX XXXX, XXXX. 

After the complaint to the OCIF, Ditech sent us two communications requesting the filing of the loss mitigation forms again and the updating of the documents requested with the petition. Again, all documents were sent via fax, mail and via the company 's Internet service on XX/XX/XXXX. The two filing processes were conducted using One Stop Housing Agency 's counseling in XXXX XXXX.
Consumer complaint received 2024-07-04
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. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX Employer - XXXXXXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challengeXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-05-03
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. (AZ)

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 XXXX  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 XXXX  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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PR)

Hello XXXX XXXX, We received the claim you filed for the following transaction : Dispute Case ID : XXXX Transaction Amount : {$90.00} USD Dispute Amount : {$90.00} XXXX Transaction ID : XXXX Transaction Date :XX/XX/XXXX If You Have Additional Information Please Send it to Us Please provide the following documentation and any other relevant information to support your claim within 3 days. Please note that if we do not receive the information we may not have sufficient information to resolve this dispute in your favor. 
Please provide a brief, but clear explanation of why a credit is due. 
Next Steps If you have this information, you can send it to us via your PayPal account. To help protect your information, we do n't accept files that are sent as email attachments. 
To send us your information, go to the Resolution Center. Then click the Case ID under Resolution Center cases. Click Upload file under Case actions you can take, and then follow the instructions to upload the files. 
Want to Cancel or View Your Claim Status? 
If you would like to cancel or view the status of this claim, you can do so by visiting the Resolution Center. Click the Case ID, and then click Cancel Case under Case actions you can take.
Thanks, PayPal Order made with XXXX XXXX and only way to pay for order was PayPalXXXX is taking 0 action to resolve this complaint regarding one of their vendors -PayPal is taking 0 action to refund to my bank account fromXX/XX/XXXX to todayXX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-05-03
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 2017-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Navient Solutions, LLC. (PR)

Navient, I see some discrepancies with the interest during my repayment plan. sometimes i lot more of interest and i dont see my balance to really going down. its like im stuck paying the same range of the quantity. right now i ask for forbereance because im having money issues and i cant make the payments. i ask for a offer to lower the total balance and was denied. APPLY ANY ASSISTANCE DUE TO NAVIENT PUBLIC SUE -- ** " The U.S. Consumer Financial Protection Bureau is suing Navient XXXX., the nations largest student loan servicer, accusing it of systematically and illegally failing borrowers at every stage of repayment, my balance is {$2500.00} Original Principal {$2600.00} Total Amount to be Repaid {$2800.00} Some number dont add up .... its weird and i dont understand this process. 
i ve been paying for years ... ... ... ... ... ... ... ... ...
Consumer complaint received 2017-09-10
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: Innovis (PR)

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX
Consumer complaint received 2024-05-03
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-02-14
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. (DC)

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX.
Consumer complaint received 2017-09-10
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: DISCOVER BANK (PR)

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PR)

XXXX-XXXX-2017 On multiple occasions I have submitted an investigation to the credit bureaus to remove from my excellent credit history these accounts that do not belong to me, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX which after research have not Been discharged from my credit history. 

These were also reported but were eliminated. 
XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX I have never lived in the United States and my credit history reports an address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Variation of name, XXXX XXXX. I have filed a complaint with the Police Dept and in the Federal trade commission but still, the accounts that I mentioned before have not yet been verified and eliminated. This information has greatly affected excellent punctuation and I need you to help me with this distressing situation. I await your prompt reply.
Consumer complaint received 2024-05-03
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. (AL)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.