davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I try to correct the XXXX XXXX XXXX account on my credit history and what I get is evasion from Trans Union. Right now I even have my account suspended and I turn to you to see if you can help me.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

My cash app was cleaned out XXXX and I was sleep when it happened. Somebody hacked into my account and made it look like I sent it. And when I contacted cash app about it. They responding to a few emails and then stopped responding and just kept sending an email saying they cant refund the money. I sent screenshots of what happened. And on the transactions you cant request a refund as they told me to do. When I click request refund it says contact cash app support. They said they were going to investigate and just never responded back.
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. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-09-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANCO POPULAR DE PUERTO RICO (PR)

Hi my name is XXXX XXXX I lived in XXXX de XXXX XXXX, in XX/XX/2022 the building was evacuated because we have a wall content around the building collapse. The reason was tropical storm XXXX was near Puerto Rico and the arrived with a lot of water. My mortgage is with Banco Popular denied to extended the mortgage payment. In my case I make the payment during the last 11 month. The private insurance not answered yet the claim of the loss. I need some king of extended because I dont have any place to live. The apartments dont suffer any damages, but the parking lot did it. I'm looking for help. XXXX from XXXX XXXX in Puerto Rico has a many reports of the damages.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (MS)

This company is exposing my personal private informations to non family members and calling all my family members without my consent. This company attached my personal information and furnish bureaus to someones credit profile and is reporting the inaccuracies to my credit as well. They have XXXX harassed my immediate family via phone and leaving voicemail messages with my name, address, work phone, and my private cell phone on voicemail to a number that has never been associate with me.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GU)

XXXX XXXX XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GU)

Macy 's XXXX XXXX XXXX is the worst card to ever be made in the history of call credit cards. Many people on the island of XXXX and I'm sure many other users HATE THIS CARD HAVE BEEN TRYING TO CLOSE IT DUE TO THEM REPORTING THAT CONSUMER 'S MADE LATE PAYMENTS WHEN THEY DID NOT. They are the ones that TAKE PAYMENTS LATE AND DO NOT POST THEM RIGHT AWAY. MANY TIMES THEY HAVE TAKEN OUT MY FUNDS DAYS AFTER I HAVE PAID!!!!!! THEY ARE THE WORST AND THEY NEED TO SERIOUSLY REMOVE THOSE LATE PAYMENTS THEY STATED IN 2022 WHEN THEY ARE NOT TRUE!!!!! I HAD A JOB THAT TIME SO THERE IS NO REASON WHY I DIDNT MAKE THOSE PAYMENTS!!!! TERRIBLE REPORTING!!!! GET IT OFF MY CREDIT REPORT AS IT IS AFFECTING MY FINANCIAL HEALTH AND I AM NOT ABLE TO GET ASSISTANCE EVEN DURING XXXX NATURAL DISASTER DECLARED BY FEMA!!!!!! THIS IS TERRIBLE!!!!!! GET RID OF THIS NOW!!!!!
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

I had two credit cards with Bank of America, had a high utilization but bills were being paid, without prior notice they closed my accounts. I never recieved a call, e-mail or letter inidcating my account could and/or will be closed, if i did o would have made my arragements so this wouldnt happen
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers. 

Thank you
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd XXXX  XXXX XXXX account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PR)

My Bankruptcy case was filed on XX/XX/2017 and is still showing on my credit reports on all 3 Bureaus. I have attached the bankruptcy papers. 

Thank you
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion According to Cushman v Transunion 1997, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd exact Banco popular account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
Consumer complaint received 2023-07-16
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. (PR)

15 U.S. Code 1681b - Permissible purposes of consumer reports According to rhe aforementioned law, the information on one s credit report should accurate snd XXXX XXXX  XXXX  account XXXX reporting a credit line of XXXX and a charged off amount of XXXX how is that humanly possible. That information is incurate ; you are clearly violating the law and dhould remove this sccount since that debt is no verifyable and it should be deleted inmediately It will be submitted to FCRA as well
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2023 To whom it may concern I am not satisfied with the company response for the following reasons I had addressed this issue in the past with XXXX XXXX XXXX I have sent notice this certified mailed to the company the company refused by sending letters by denying my negotiable instrument my intention was always to stay in honor when I am aware of this fraud the company still dissatisfied and decided to put the consumer in a stressful position by selling the information to resurgent capital this is a violation my understanding to this violation that there are rules and regulations they need to follow 15 U.S. Code 1666 - Correction of billing errors to my understanding XXXX XXXX XXXX never conducted an investigation neither provided documentations on how they conducted this investigation and instead it proceeded to sell my information to resurgent capital which now is sending threatening letters to the consumer which this is another violation15 U.S. Code 1692d - Harassment or abuse. Resurgent capital is posting negative remarks. on my consumer credit report in a very high balance which I believe is false I am holding accountable XXXX XXXX XXXX XXXX XXXX  for damages and for selling my information to research and capital 15 U.S. Code 1692k - Civil liability which XXXX XXXX XXXX never provided the wet signature contract information and the permissible purpose at the time I asked for verification XXXX XXXX XXXX did not have any recent to sell my information neither to collect any money when I was always stay in honor. as a consumer I consider this 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and since resurgent capital does not understand to cease and desist when asked by certified mail this law applies 18 U.S. Code 1341 - Frauds and swindles I was always trying to stay in honor I never deny paying.
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PR)

In XX/XX/XXXX I bought a unit condo throw a mortgage loan. Blueprint report that the property was constructed in XXXX. In XXXX I had a loan modification. On XX/XX/XXXX, there was a water flood event from a pipe located on the sixth floor that exploded affecting several units including mine. Because of the water flood mitigation process, on XX/XX/XXXX, a notice letter was posted on each entrance door and in each unit door. This letter was on behalf of the Condominium Board of Directors. In this notice, residents were informed that the building materials tested revealed the presence of a hazardous level of asbestos. As a result, immediate mitigation and abatement services needed to be commenced at the building. To preserve the health and safety of all the residents of the building were asked to vacate all units as expeditiously as possible and temporarily reside elsewhere. It was required to vacate all units no later than XXXX XXXX on Monday, XX/XX/XXXX. And this process to abate the hazard supposedly takes up to ( 60 ) days. On Monday, XX/XX/XXXX, during a units owner XXXX meeting, it exposed controversial information about the real age of the condominium. Evidence from County public records reveals and confirmed the existence of the property in the XXXX decade. Therefore, it is false that the condominium was constructed in XXXX. Even though the discrepancy between the property and a mortgage of a property does not exist, this account is in good standing. I was never told or agreed to buy such an old property that requires special maintenance. Also, I am still uncertain about other hazardous elements that might be present on this property as well as the uncertainty of the risk of being exposed to asbestos in future years.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (PR)

RE : SUSPENSION of Cash Rewards Programa by Penfed - LOST OR STOLEN OVER {$16000.00} On XX/XX/2022, I received a letter informing me that the " Cash Rewards '' program for my Pendfed card has been suspended. I have been a long time loyal Penfed customer. My relationship with Penfed is one of several years and complete. This relationship is made up of : bank accounts, savings certificates, credit cards, and vehicle loans and personal loans. It has always paid my obligations without arrears and as a loyal client of Penfed.

Penfed claims that I have been using the card inconsistent with the rewards program.

We submit several claims to Penfed including evidence of the expenses paid with the credit card wich include : General expenses, utilities and taxes payments. 

I always thought that by using the card according to its slogan ( XXXX XXXX  XXXX Rewards Visa Card gives you 2 % cash back on all purchases with no limits on how much you can earn ) on all purchases, services and consumptions, I would become a better and more loyal customer to Penfed, not get penalized.

The reward program was supended and i was not able to redeem the accrued reward poits. At that time I have over {$16000.00} accrued on cash rewards. LOST OR STOLEN. 

No previews orientation was given about its rules and how they could penalize me. These rules are contrary to the " slogan '' they promote ( 2 % cash back on all purchases with no limits on how much you can earn ), so I consider it a MISLEADING ADVERTISEMENT.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-07-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Island Finance Puerto Rico (PR)

I consolidated all my loan with XXXX XXXX XXXX and I told them that I did so and that the company will contact them to reach an agreement, but they continue to send latter all the time. I offered to give them the phone number of XXXX XXXX XXXX but they refused to accept it.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

I contacted USAA Bank to close my membership to USAA completely. I have closed my checking accounts and wish to close my membership with USAA. Even with all communication turned off, I still receive marketing emails from the CEO to my email address. I talked with a USAA support rep and they said that they had put a stop to all CEO emails, but I recently received one after that action was supposedly taken. They will not let me close my membership account and thus will keep sending unwanted communications to me, without my consent.