davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (PR)

On XX/XX/XXXX I pulled my credit report from Experian and I found the following discrepancies that 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. Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off {$9200.00} That credit report states that the last payment date was on XXXX however according to their acct history, it states that on XXXX & XX/XX/XXXX payments were made. See attached Credit Report History. Information on XXXX also differs. 

XXXX. Account name XXXX XXXX XXXX XXXXXXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX states that there is an Account charged off of {$5000.00} however {$14000.00} is now past due. There is a mayor discrepancy on your files, written off was {$5000.00}, balance says {$14000.00} and past due {$14000.00}. Three different amount for the same account is unacceptable. Your records show that the last payment date was on XX/XX/XXXX however your payment history doesn't match because that states that payment were made until XXXX No Data was posted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account appears in XXXX under the name of XXXX XXXX with a different account number. See attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} XX/XX/XXXX. According to your records the last payment was on XX/XX/XXXXXXXX  however on your payment history it states that in XXXX as well as in XXXX I was 30 days past due. 
Another discrepancy. See Attached Credit Report. 

XXXX. Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 
According to your records my last payment was on XX/XX/XXXX however according to your payment history this account was cuarenta until XX/XX/XXXX and in XX/XX/XXXX ND. See Attached Credit Report. 

XXXX. Account name : XXXX XXXX XXXXXXXX, Account number : XXXX Date opened : XXXX XXXX, XXXX Collection account. {$1700.00} There's no furnished data from XXXX I have no knowledge of this account. See Attached Credit Report. 

These account discrepancies are hurting my credit and I need this resolved A.S.A.P.
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. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PR)

Dear CFPB, I am writing to file a complaint and request your assistance regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, one of the credit reporting agencies. 

On XX/XX/2023, I sent a written request to Equifax, via certified mail with tracking number XXXX, requesting method of verification for two accounts on my credit report, which are XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 611 ( a ) ( 6 ) ( B ), Equifax is required to provide me with the method of verification within 15 days of receipt of my request. 

I have attached copies of the certified mail receipt, tracking information, and a copy of the original letter for your reference. These documents serve as evidence of Equifax 's receipt of my request on XXXX XXXX. 

However, despite the passage of the legally mandated time period, I have not received any response or method of verification from Equifax. In fact, I recently contacted Equifax regarding the status of my request, and they acknowledged receiving my letter. However, they stated that they will not conduct further investigation and that they are currently processing a dispute for the account in question. This statement is incorrect as all disputes related to that account have already been closed on Equifax 's website. 

It is clear that Equifax has failed to fulfill its obligations under the FCRA by not providing the required method of verification within the specified timeframe. This disregard for the law is concerning and has a significant impact on my rights as a consumer.
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. (OH)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (PR)

I had American express card num. XXXX they close the account. Because I do not paid a balances. I ask information about the debt, They explain the type of debt. is about {$65.00} I response they do not send any bill to my address and if I do not receive the bill is impossible to paid. Then we agree, American express will send me the bill and I will send the paid. 
But the close the account and sent incorrect information a to credit scores company, meaning that show that I do not paid the bill.
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CT)

A transaction in the amount of {$30.00} was sent to user ID $ XXXX on XX/XX/XXXX by mistake, wrong person.. The error occurred due to user ID appearing last, this person was sent money prior on XX/XX/XXXX and therefore the ID came up after amount selected. Also, the person has a similar name to person intended for. I requested a refund shortly after, it does not appear the person will refund as it has not been processed as of yet.. Since the person did not refund, appears to be a scammer, I have blocked the user ID. My Cashapp ID is $ XXXX. I request Cashapp refund the transaction as the transaction is in error and person appears to be a scammer.
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. (NY)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with Experian XXXX and XXXX are reporting these unauthorized inaccurate accounts : Account : XXXX XXXX XXXX. 
Account number : XXXX Opened : XX/XX/2023 Account : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/2023 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted Experian, XXXX, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-04-11
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 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  XXXX XXXX {$1600.00} } XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc. (NY)

Beginning on XX/XX/XXXX I attempted to use my cash app card at an atm. I was declined although I was able to send money to another cash app user. Every week I receive unemployment benefits Direct deposit to this cash app account this is the second week I have not received benefits. I can not enable the cash app card. I am not able to speak to anyone from cash app on this matter. It is frustrating because this is my income and I know due to the glitch in the system with the cash card not being g active this is the reason my XXXX Direct deposit isn't active. Cash app hasn't resolved this issue yet and still I haven't received my benefits
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. (LA)

I was taken advantage of by the car dealership. XXXX a college student, first time buyer my XXXX XXXX was low XXXX. I had a approval already from my person bank that allowed me no money down, reasonable car note, and interest rate however the employees at the dealerships did not like that and was insisting I put money down my credit was checked over XXXX times without my permission which eventually hurt my credit in the long run. I knew nothing about these inquiries and its unfortunate because I cant apply for XXXX let alone credit cards in my name. I plan on moving to a brand new complex soon once my lease is up and purchasing a new car for myself but my credit is horrible and hindering me from accomplishing big milestones in my life.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PR)

On XX/XX/2023, I purchased merchandise through PayPal using my PayPal credit card ( issued by XXXX XXXX ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by both PayPal and PayPal Credit ( XXXX XXXX ) has caused me great concern and despair.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Transunion LLC showing A XXXX XXXX credit card account XXXX XXXX po box XXXX XXXX XXXX PR XXXX Transunion llc mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX  repott Please have transunion investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX XXXX 120 days late Account never late please make it current
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (IL)

On XX/XX/XXXX, I received a notification from my credit monitoring service that my BPOP credit card was in settled status. I had no idea what it meant and I was slowly paying off their credit card. Once I learned its a negative status I called BPOP at XXXX ( XXXX ) XXXX on XX/XX/XXXX, where I was told that the account is closed and that I should call XXXX. Note, on the website the account still shows as open and active. 

I called XXXX and eventually talked to a supervisor XXXX, who said a notice to me they have a record of a notice being sent and that account was closed a year ago. I never received that notification so I am not even sure if I was paying on a closed account all that time, but the settlement notification did not show up on my report until XX/XX/XXXX. I never received a letter or a call from anyone so I could not even attempt to resolve this item going into 'settled ' status by simply paying it off. I certainly did not know the account was closed for that long. 

When I pointed it out XXXX said there is nothing they could do and gave me a phone number to another 3rd party ( XXXX ). I did indicate that she is forcing me to call multiple agencies and whether there is really nothing else, they can do. She said no. 

To add additional wrinkle to all this, after a call got disconnected, I called back to get the remaining details on the account ( date closed, amount owed and date the notice was sent ). A different representative ( not XXXX ) indicated that the account was closed XX/XX/XXXX, amount owed was {$1400.00} and notice was sent XX/XX/XXXX. Needless to say, I noted the discrepancy in dates ( recent closure and notice ) provided by XXXX and requested to speak with XXXX again, but she was in a meeting already according to the representative I was talking at the time ( XXXX XXXX ). 

Something clearly went wrong, but I am not even sure what or who is to be blamed for this issue. More annoyingly, no one seems to know exactly what happened. I keep getting a run around and the information provided by different representatives is contradictory so I am not even sure who to trust in terms of information. All I know for sure is : I got a ding on my credit report and it was a surprise, because the amount I thought was a balance on credit card is now a 'settled ' balance. I did not settle with BPOP ( BPPR ) and I did not receive appropriate notification from them. I did not even receive a call.
Consumer complaint received 2023-06-12
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)

For 2 years I have been sending letters to XXXX, XXXX and Transunion to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.
Consumer complaint received 2023-06-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (PR)

In Summary, Banco Popular of Puerto Rico sent information that is not accurate to the Credit Bureaus since I am still disputing a property tax debt with a government agency. Therefore, they were supposed to send accurate infornation after a debt final resolution and not before. Furthermore, to pay this debt the Bank accept an amnesty without my permission. For further details refer to letter attached. THANKS for your attention.
Consumer complaint received 2023-05-10
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. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GOLDMAN SACHS BANK USA (PR)

I have been using an Apple Card for the past two years. The main reason I started to use the card was to create credit. However, I havent been able to access my credit reports/score. I have continuosly tried to solve the issue with Goldman & Sachs. At first they said since I was only a participant I wasnt getting my credit reported. That I had to opt-in for credit reporting if you are a participant. When I did, they told me the change would reflect on reports in the next few months. It is now more than 6 months after that and I still have no reports for my credit score. I called today and they said that they have no clue why its not credit reporting. This is an issue I have had for 2 years ongoing and still have no information. 2 years of positive credit lines without missing a payment and all for nought. Today the issue was taken to their investigative department to check the situation out. I want to report this issue to see whether it is an issue with the beureaus or with Goldman & Sachs.