davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I send a dispute to Transunion about a public record they are reporting on my credit that is not mine. I asked them to send me the independent investigation that reflects my name address and information and they didn't comply. I want they to delete this account the public record that shows is XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PR)

I send evidence not debt being out of time for collection but keep harassment with collection procedure, I inform them that time was out for them and ask to stop with approach toward me and my family. They didn't answer. they treated very rude and respectable manner
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (TN)

The following unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 According to the FCRA these unverified and unauthorized items must be removed.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (FL)

XXXX gym had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon completion of the final payment to honor the lease agreement between myself and XXXX XXXX with option to purchase my wife asked the rep from XXXX XXXX XXXX about obtaining the title to the vehicle and they couldnt give her an answer. I got a notification from XXXX XXXX about a change to my credit score. My XXXX score dropped XXXX points I Transunion score dropped 150 something points. XXXX has reported my account delinquent. Not only was this account not reported on every XXXX payment I made for the last four years now they ruined my credit at the end of the lease.
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. (CA)

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 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I have a PENFED CREDIT UNION XXXX XXXX XXXX since 2012. I have made balance transfers in the past and pay them as the offer expires. At the moment I have various balances at various interest rates in the same card. Since last year ( around XX/XX/XXXX ), I have noticed that the payments I sent, were not been allocated to the highest interest balances. They were distributed among all balances ( including the 0 % ones ). This was not like this before. As an example, there was a remaining balance of XXXX XXXXXXXX 15.24 % in my XX/XX/XXXX statement. I made a payment of {$450.00} ( more than the minimum payment of {$190.00} ) but to my surprise, the balance in XX/XX/XXXX was {$85.00}. Only {$3.00} was credited to my highest interest balance. This is unacceptable and will not make it possible for me to pay the highest interest balance. Today ( XX/XX/XXXX ) I contacted customer service of Penfed to ask them to allocate my payments to the highest interest balance. They stated that this was not possible, that payments are distributed proportionally to all balances. I told them this was against the law, but the representative repeated the way they are doing things. Please help so that PENFED CREDIT UNION complies will the Credit Act.
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-03
Product: Credit 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: DISCOVER BANK (PR)

post XXXX XXXX {$1300.00}. 
I requested two disputes to discover since a company that will recover money turned out to be a fraud, after disputing both transfers I proceed to upload the information about the fraud, in the first dispute, discover rules in my favor, in the second, it says that the company is right and that to get my money back the company had to return it for them to return the money to me, After asking for information, when the letter arrives he states that the following and quoted " My friend had him send the money to me, then I forwarded the money to my friend. So I never kept the money '' for discover is reason enough not to refund my money, even though on their page they have a promotion of XXXX fraud and in my case they did not help me at all even though I sent them all relevant and non-relevant information. Even the company shut down its social media and website, the name is XXXX XXXX but for discover it's not reason enough to reason enough to protect customers.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I enter a Job in an application which promoted themselves as an XXXX XXXX  called XXXX  XXXX, I had to sent money first as a compromise of doing the job. The money had to be sent in XXXX XXXX, and I would get paid in usdt. They have people already working for them, I heard about the job through a friend. They did conferences and everything to explained the job which made it seem legitimate. I did not receive my money back. Everything ended up being a scammed, some Ponzi schemed. A big one, many in different countries lost money, I lost {$4100.00} dollars that I did in two different rransactions for the scamming company as a requirement for the job earning. I contacted my bank institution Banco Popular de Puerto Rico once there were news it was all a scam. I sent all documents about the company and the transaction. The resolution they sent was that the XXXX XXXX XXXXXXXX do not do refund and everything was done according to the policy they have so the bank will not refund the money. However other banks, XXXX  XXXX  did refunded their clients when they explained the same situation as I did. Those banks were first tech and XXXX XXXX XXXX. This information was provided by other victims of the fraud that also put their money in that XXXX application. After all it was a fraud and it was for an ilegal business. Me and many hope we can get a refund of some of the money at least.
Consumer complaint received 2023-04-28
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: SANTANDER HOLDINGS USA, INC. (MA)

I noticed a XXXX XXXX XXXX  registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted XXXX in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I signed up for Square Payroll services, Square debited my checking on XX/XX/2021. The monies were never sent to the payee and I was locked out of my square account I have emailed and called square more than 10 times and I haven't received a reply,
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 ). I am not the one who initiated these inquiries. These inquiries is hurting my credit score.

I am submitting a complaint regarding these inquiries and for assistance to REMOVE there from my credit report immediately.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Due to issues of fraud alerts I recieved I placed a credit freeze at all three credit companies. Since that time I have to lift and replace the freeze but when doing this with Transunion their website for handling this is not functioning and I have had to do so via the telephone. This is a long and difficult process due to wait times in answering the phone. It has not been weeks and there seems to be no progress or information available as to when they plan to fix their website.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wrritten instructions.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (TX)

They have took out a total of XXXX dollars that are unaccounted for. They also said I took out increments of XXXX out of an arm. My bankstatensnts and transactions don't match. They just keep blowing me off and have even closed my account for no reason.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to Experian requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to Experian. Experian continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In Accordance with the Fair Credit Reporting Act Convergent Accounts BP/Visa Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wrritten instructions.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AXOS FINANCIAL, INC. (PR)

Axos bank was requested to send a wire XX/XX/ the deducted the funds basedmy wire request and fee. They then later returned the funds but not the fee I called and they said there was a mistake and they reprocessed the wire but charged another fee. When I questioned why I would pay two fees they said they can not do anything about it.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (TX)

I was looking at my account because my account total looked incorrect so I was question my card company and then all of a sudden a unknown purchase from a store I did not go to was on my account. Now the card company is saying that claim can not be processed because it is now to late to make the claim.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRSTBANK PUERTO RICO (PR)

Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card XXXX  from First Bank XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in XXXX XXXX went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXX credit card which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on XXXX XXXX and XXXX.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX XXXXXXXX Balance Owed {$0.00} ; XXXX XXXX XXXX XXXX Owed {$110.00} ; XXXX XXXX  XXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXX Balance Owed {$690.00}.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Greetings, My name is XXXX XXXX XXXX, Ive been having some preoccupations related to a credit card Beyond from XXXXXXXX XXXX XXXX XXXX with a credit limit of {$5000.00}. 

Ive used it and paid it very soon, by on XXXX XXXX I used {$1900.00} aprox. And the bank on XX/XX/XXXX my credit score in Trans Union went down about XXXX points! I mean, have other credit cards and I used them and pay fast to maintain and grow my credit score and history as Im a business person and if it wasnt for my XXXXXXXX XXXX XXXX which increased my credit line and made my credit score a bit up my credit score would have gone way more down.Im working with the bank on a mortgage and this could affect me and obstruct my transaction. 

I paid the amount used on the card, Terrified about what I was looking at, but the bank only reported the credit card balance on {$0.00} but didnt gave me back my points. 

How I see it, its not cost effective to use a credit card which for such a small amount of money ( didnt reach the 50 % use ) takes down your credit score in less than a week but dont report it back as it was. On XXXX I Have as score of XXXX and it should be the same on Trans Union and XXXX.