davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (PR)

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with Monterrey Financial Service LLC. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that MONTEREY COLLECTION SVCS is not doing.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DOLLAR MUTUAL BANCORP (VA)

Fully opened an account via online platform and provided {$50.00} opening deposit and promotional code for a {$600.00} new account opening bonus on XX/XX/year>. On XX/XX/year>, received electronic correspondence that my account suddenly couldn't be opened because " information could not be verified. '' It was requested that I visit a branch location to complete the account opening. However, at this time, I am unable to do so due to a XXXX. To date, I have not received the return of my opening deposit, despite a request for same.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OH)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (PR)

The facts that give rise to the claim against Banco Popular of Puerto Rico are as follows : On XX/XX/XXXX, three checks totaling XXXX ( euros ) were deposited at the branch of Banco Popular of Puerto Rico XXXX XXXX XXXX in XXXX XXXX, PR. Each check, dated XX/XX/XXXX, was for the amount of XXXX ( euros ) and was deposited into the following accounts of Banco Popular de Puerto Rico : The Banco Popular XXXX XXXX XXXX representative who assisted me contacted the Trade Finance Department of Banco Popular for advice on currency exchange. The checks were in euros, and this deposit would not be reflected immediately. They explained that they sent the checks to the collection office and that XXXX XXXX XXXX XXXX XXXX would carry out the transaction. The transaction would take about a month and a half and would cost {$75.00} for each check exchange. Follow-up was conducted every two weeks after the deposit. However, the XXXX XXXX Department has informed us that the checks were lost, and despite sending four swift messages to the receiving bank, no reply has been received. Banco Popular claims to have sent three certified letters, but they were returned due to closed offices at the bank 's address without any forwarding information. Banco Popular has indicated that the bank apparently moved to a new location. 

On Tuesday, XX/XX/XXXX, Banco Popular de Puerto Rico informed us that XXXX XXXX XXXX  XXXX XXXX confirmed via email that the three checks sent via XXXX on XX/XX/XXXX can not be processed because they are overdue. The customer is responsible for covering the costs associated with processing the checks with XXXX, which will be debited from the accounts described in the XXXX form and must have sufficient balance to cover the costs. After the collections are closed, we will send a letter to the client detailing the charges. 

We are claiming the money that was deposited in Banco Popular, which was not handled correctly due to negligence or other reasons, as described above. 

Attention : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My bank is being sued for illegally charging customers with over draft fees and credit card scams and etc im with Bank of America and I would like you guys to investigate my account because I believe I have been wrongly charged for months now
Consumer complaint received 2024-04-11
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. (MI)

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 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX, when reviewing my First Bank Puerto Rico account, I found that two unauthorized transactions had been debited in favor of XXXX XXXX. The total of transactions is {$300.00} ( {$120.00} + {$170.00} ). At anytime I made these transactions or authorized them. Immediately I proceed to notify First Bank Puerto Rico. A dated letter with XX/XX/XXXX from First Bank inform me that the transactions were correct and my money was not credited to me. On XX/XX/XXXX I made a written appeal and as of today I have not received a response and my money has not been credited.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PR)

I bought a XXXX  XXXX  from this group -> XXXX XXXX XXXX XXXX XXXX XXXXXXXX and i bought directly from these two profiles -> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This group is also administered by XXXX XXXX XXXX XXXX XXXX XXXXXXXX I payed via paypal friends and family on XX/XX/2023 to XXXX XXXX XXXX  the amount of {$300.00} and I payed the amount of {$450.00} to XXXX XXXX on XX/XX/2023 for XXXX XXXX XXXX then i payed am additional {$200.00} via a XXXX XXXX gift card to XXXX XXXX for the XXXX XXXX  delivery. We had originally agreed the total would be {$750.00} including delivery of the XXXX  and food until.i was ready to receive the XXXX, then she said regulations changed and that for the nanny services it was an additional {$200.00} and then they were charging me an additional {$700.00} for a crate refundable upon arrival of the XXXX. That is when i realized it was a scam. I think it prudent for XXXX  to act against this group of people by banning them out and collaborate with judicial agencies to stop them from offering puppies to innocent people, families and children.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was sick and out of work for 3 months I was late on the XXXX talked to XXXX XXXX XXXX about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX cent expedited fee send XXXX  an email of guaranteed certified fees they tagged my credit of being 30 days late
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX I changed my credit card product with Banco Popular Puerto Rico to upgrade the XXXX XXXX to XXXX. With this product change the annual fee would increase from {$40.00} to {$99.00} as additional benefits were being introduced including but not limited to free first bag. 

My first trip with the XXXX was on XX/XX/XXXXXXXX XXXX  and had to pay the bag for the roundtrip. Upon inquiry to XXXX, I found out the Bank hadn't notify the airline of the product change and they needed the Bank to update the information. On XX/XX/XXXX, I contacted the Bank with the information provided by XXXX to look into it and request the bag fee that I had to pay even though the product includes the bag fee waiver. 

On XX/XX/XXXXXXXX XXXX I had to fly again and pay for the bags as the investigation was ongoing. 

By XX/XX/XXXX, I visited the XXXX XXXX to open a new claim for the roundtrip bags, submit travel and invoice evidence and follow up on the product update communication to XXXX. The response provided by the call agent was to show my credit card at the counter so that the XXXX agent will waive the bag fee. I communicated the bank call agent that this was an unfair and abusive treatment as my adult daughters have the same product and can purchase their bags through booking or check-in without any fees, and because I'm a XXXX XXXXXXXX XXXX XXXX woman I was being treated different. 

In XX/XX/XXXX, I received a call from the Bank that they had completed investigations and will make me whole for the {$140.00}. To date, the Bank only credited {$70.00} to the account. 

On the numerous times that I've called the Bank to follow up on the product update they have treated me unfairly. I contracted a product with the same terms and co ditions as my daughters but can't enjoy the benefits because the Bank in almost 7 months of having contracted the product has not provided XXXX the necessary information to access my benefits. 

Today, XX/XX/XXXXXXXX XXXX  I've opened up yet another claim to have the issue investigated and the remaining {$70.00} from bag fees credited. Note that to this date I've been paying interest on contracted benefits.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Island Finance Puerto Rico (PR)

The financial company is charging me some surcharges that I understand are not appropriate. They give me an additional 10 days after the payment due date. On this occasion, on the XXXX, they did not open an office, so I was forced to make the payment on the XXXX and that is why I believe that they should not charge me the surcharges that they are charging me.
Consumer complaint received 2024-01-31
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: FIRSTBANK PUERTO RICO (PR)

On the XXXX of XX/XX/2021, I buy two pairs of shoes in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX, for the amount of {$220.00}, when it was processed the first time it was declined. I was told to go to another terminal where the original transaction was completed. The XXXX of XXXX to my surprise I received my bank statement which shows the original transaction of XX/XX/XXXX and another on XX/XX/XXXX for the same amount of {$220.00}. I went to the store, and they told me I have to claim at the bank, First Bank of Puerto Rico. I went to the bank, and they do not recognize that I was charged two times, a duplicate charge.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (PR)

On my payday over XXXX ago I went shopping to a store with my daughter, to my knowledge money was in my account due to my payroll being directly deposited into it on a weekly basis, and saving up as well. When I get to the checkout point as I provide my card and press my pin my transactions were being declined. So on the XXXX try my card becomes blocked. I call the Fifth Third Bank in XXXX, Ohio while still at the store, as soon as I explain my situation on the call the representative who takes my call replies " oouuu you have fraud and Identity theft on your account, the account was overdrawn and someone inside the bank ( employee ) opened a new savings account as well in your name ''. Bank then decides to help me via investigation, closing the accounts in person and after a while returning my money. But while all this was happening a few days later my XXXX XXXX that was on a XXXX lease gets repossessed for non-payment ( Due to unknowingly insufficient funds in the account when payment was to be processed ). I was so trusting my money in this bank that I wouldn't verify anything ( definitely a learning lesson for me ). When I called today XX/XX/year> ( yrs later ) the automated service stated me to enter my account number ( which I didn't have ) or SSN ( I used for access ) and pin, when I did this it all went through, automated service gave me details of my account which none should've been open and said that my card was locked due to too many incorrect pin attempts. I'm very upset seems that even going to the branch yrs ago and closing my account in person it wasn't done properly and I also wasn't able to get a letter stating I had identity theft so I can mail out to my creditors as well. Today when I spoke to the bank representative XXXX over the phone, I explained I needed that letter from the bank, and he said all I can get from them is that my account was closed. I know that letter will never be accepted by creditors, what they want is identity theft proof and I need help. I just updated my mailing address on file with the bank as well and was told I needed to wait 14 days in order for my address to be updated and to call back again to get only an account closure letter. They have been doing this to me for many yrs and going into the Branch I was denied one as well. I'm tired of the runaround and lies instead of helping their customers and be responsible when things like this occur. I want to dispute items in my credit and can't even do that. Please help me find a solution, it will be greatly appreciated.
Consumer complaint received 2024-01-23
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, # 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 a account without my written instructions
Consumer complaint received 2024-01-19
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: DISCOVER BANK (PR)

I previously submitted a dispute for the charge off account for the Discover Financial Services credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.
Consumer complaint received 2024-04-11
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. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-01-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRSTBANK PUERTO RICO (PR)

Auto Lease Account # XXXX During the first week of XX/XX/2023 I received a notice from First Bank dated XX/XX/2023 ( attached ) stating that the car I am leasing from them has been left without insurance coverage and that an insurance policy would be purchased by the Bank XXXX The notice also stated that if I was not interested in this insurance policy that I had to provide a double interest policy with the same terms and conditions as the previous one and a payment certification issued by the insurance company. The payment certification must show that the premium was paid in full. The information had to be provided within 30 days from the date the insurance policy becomes active. I called the Bank and was asked to provide all the information via email. I sent an email on XX/XX/2023 with all the requested information. I have sent XXXX additional emails requesting the policy information to be updated but instead I have received XXXX additional notices stating that the Bank purchased the insurance and that I would be charged {$5000.00} for this. 

The insurance policy 's renewal date was on XX/XX/2023. I made the payment to the insurance company on XX/XX/2023. The new insurance coverage started on XX/XX/2023 and I sent all of the information the Bank requested on XX/XX/2023, that is within the 30 days from the date the insurance policy became active. I have provided all the information requested in a timely fashion and still the Bank has failed to update the information and now is charging me for another insurance policy/
Consumer complaint received 2024-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRSTBANK PUERTO RICO (PR)

I got a mortgage from First Bank Puerto Rico, with the XXXX endorsement, It has been 14 months, and they have not registered the property under my name with the State of PR, in addition they have not paid the taxes to the state, and at 12 months raised the payment from XXXX monthly to XXXX I have tried to speak to a manager however the assistants have given me the run around, how does a fixed rate loan increase that aggressively in such short time period, Most importantly, the registration of the property and the taxes worries me, for i can be fined by the state Revenue Department, please advice, I served for XXXX  years in the military of this great nation, and i am a XXXX Veteran, Respectfully XXXX ( XXXX  ) USA
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCO POPULAR DE PUERTO RICO (PR)

Unauthorized transactions ( over {$1000.00} ), unauthorized fees ( over {$100.00} each month ) taken without authorization or consent ( fees being taken by Banco Popular ). Email threads to XXXX among other in person conversations with other employees ( XXXX XXXX would not meet in person ) also conversations over the phone, in bank branches etc. Example : " I have not authorized the {$1300.00} transaction until after other pending transactions '' XX/XX/, XXXX and before when there were unreported, unauthorized assessed fees for no reason, my account being assessed higher fees than other bank customers for the same service and often the service not rendered because internal employees prevented to login ( creating problems for me to login to the web portal ). 

Unauthorized account closure. Breach of contract and agreement. Check fraud.
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. (GA)

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.
Consumer complaint received 2024-01-15
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 reporting credit act account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A : states I have the right of privacy.

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Consumer complaint received 2024-01-13
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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.