davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PENTAGON FEDERAL CREDIT UNION (PR)

Penfed auto loans interest rates for Puerto Rico are higher than the rest of the nation. In their website they have below the rates table an statement excluding Puerto Rico from the table and when I called customer service they are .50 % higher than the ones showed. XXXX XXXX XXXX It is a discriminatory practice since I have a credit score of XXXX which I can be approved as another person from the mainland. I comply with the risk requirements involve in a repayment/risk analysis. It seems like a redline practice.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PR)

On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person
Consumer complaint received 2023-06-22
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-25
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. (AZ)

I need three inquiries removed off of my personal name, which is my credit report, because I did not authorize them Trans Union is reporting in accurate information. This is illegal under the American federal law. I will like these 3 inquiries removed immediately or I will take legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CBC Companies, Inc. (FL)

The following accounts needs to be deleted from my credit report as soon as possible ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are in direct violation of 15 USC 1681S-2 ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Consumer complaint received 2023-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC (IL)

Carpenter Hazlewood is a law firm attempting to collect debts claimed to be owed to my homeowners association. It obtained an injunctive order from the Courts by misrepresenting me and the facts of their claims, thus defrauding the court leading to its injunctive action. The injunction allowed the Association to restore common area landscaping which straddled my property and was installed to stabilize a slopping embankment. The Association hired a contractor to restore the embankment as allowed by the court, but in the process, trespassed on my property, damaged the landscaping on my property and stole personal property boulders that enhanced the property values of the neighborhood. In effect, the Association hired a perpetrator to perform a criminal act.

All of their actions were recorded on surveillance tapes, the perpetrators were informed of their trespass and that they would be charged with criminal trespass, property damage and theft by loudspeakers as the act was performed. Police were called and criminal complaints were filed with both the XXXX Police and XXXX Sheriffs Departments. Both have been asked to investigate the criminal complaints. This is the very definition of racketeering by the Association Board of Directors. 

So now Carpenter Hazlewood is harassing me by threatening legal action and foreclosure of my property if I dont pay fees and expenses that they demand. No credit for the stolen property or damaged property is deducted from those costs. These demands for payment is an abuse of the courts to bully and suppress residents under the color of Law. It has made a mockery of our God Given rights under the Constitution for the United States and no agency of the government is willing to uphold the rule of law. I am hoping you will.
Consumer complaint received 2017-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

After having XXXX XXXX go XXXX a major diasaster XXXX XXXX, the bank is offering a moratory of 3 months and then we have to pay the 3 months in XXXX XXXX or go XXXX a loss mitigation process that does not aliviate our diaster process. Some of XXXX have also lost our jobs or have to start from scratch and the bank does not offer a process in order to move these payments to the end of our mortgage.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
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)

I have consistently ensured that payments on this account are made on time, avoiding any overdue instances. I do not understand why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2024-06-25
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. (NV)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-07-01
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: Mid-Atlantic Finance Co., Inc. (TX)

I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Consumer complaint received 2023-08-27
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. (NC)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.
Consumer complaint received 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Absolute Recovery Services, LLC (TN)

This company states that I lease a house from them between XX/XX/XXXX and XX/XX/XXXX in XXXX Mississippi and I reside in XXXX TN they stated I owe them {$6000.00} and sent it to a collections agency so I contacted them and the XXXX  to help me. the company is called XXXX XXXX and the collection agency is Absolute Recovery Solution
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: KEYCORP (PA)

XX/XX/2023 Went into a KeyBank location at XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I do not have a checking or savings account with KeyBank, but my work uses this branch and their website states " Non-clients can cash certain types of checks at any of our XXXX branches. Types of checks we can cash. For people without a KeyBank deposit relationship can quickly and securely cash checks drawn on KeyBank accounts, as long as the check is for less than {$5000.00}. '' I have previously cashed checks here without incident. The check I intended to cash was {$2700.00}. I was informed that I can not cash the check since it exceeds {$2500.00}. I informed them what their corporate website says, and that CFPB states on their website " If you are at a bank or credit union where the check is from and you show the identification they require, the bank or XXXX XXXX must cash the check if there is enough money in the account on which the check is written. '' I had previously been required to show two forms of ID ( drivers license and debit card ) to cash the check, and had done so. I asked the employee who I was speaking with if KeyBank corporate website was wrong, or if CFPB was wrong and he wouldn't give me a straight answer.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (VA)

I'm planning to sue your company for not correcting the inaccurate information on my credit report, a clear violation of the Fair Credit Reporting Act. Despite numerous requests, you've consistently ignored the law, and this is my final demand before taking legal action in my local county for your non-compliance.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (NC)

On XX/XX/XXXX, I received a collection letter via USPS from National Enterprise Systems attempting to collect a debt that they claim dates back to XX/XX/XXXX. I have no knowledge or records of this debt, and I believe it is time-barred. The letter acknowledges that due to the age of the account, XXXX XXXX XXXX is unable to file a suit against me. 

Despite this, National Enterprise Systems is still attempting to collect the debt. I have never received any prior communication or billing statements related to this account, and I do not owe any money to XXXX XXXX XXXX. I believe this collection attempt violates the Fair Debt Collection Practices Act ( FDCPA ) due to the misleading nature of trying to collect a time-barred debt. 

I request the CFPB investigate this matter to ensure that National Enterprise Systems ceases their collection efforts on this time-barred debt and verifies that it is not reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

So, I got an email from a email associated with XXXX XXXX subject was ACT NOW. It says apply for oncampus job flexible schedule. This was the email : It is a Flexible Opportunity where you will determine your working time. All the tasks are work from home/on campus job, you do not need to travel, you do not need to have a car to get started. You can be in any location and work from your home/school... APPLY NOW During this time that we are in, working from home would be great. Therefore, you have been offered a campus employment office Job Opportunity at the convenience of your home or school, which serves as a gateway to pay all expenses incurred on campus. And I applied for the job. Then, they asked me for my phone number. Then i got contacted from XXXX. The he elaborated the task. After that they send me two checks to deposit and asked me to XXXX  it. I knew it was scam then, I ignored it. But I got threatening calls from the local numbers. Then I became afraid and I XXXX  him. After that they never called. I try not to XXXX   but their calls were so disturbing and I am a XXXX. I don't know anything and I became afraid so. I called bank of america fraud claim department too and said it was a fraud transaction, please return back the money but they did not do that. 

Here is the id that I have XXXX  : XXXX XXXX : XXXX XXXX. Amount : {$900.00} Date : XX/XX/2023 XXXX checks that I got was of {$1900.00} total, {$950.00} each, which were deposited in XX/XX/2023
Consumer complaint received 2017-10-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Popular Mortgage of XXXX XXXX has announced all over XXXX that they are offering relief for the hurricane by allowing customers to miss the next 3 months of mortgages, and loan Payments. This was automatic unless you were behind. Even when my mortgage has never been behind, I called to make sure my credit would not be affected. Although it wont, they are not telling people that they have to make up all of the payments in XXXX. This can potentially put many people in the streets. I for instance wold have had to make a prohibitive {$4000.00} payment in XXXX. This is a very irresponsible and fake announcement. They are lying to consumers, people who are already going through an extremely hard situation because of these XXXX category XXXX hurricanes. They are taking advantage of people under such dire situation.
Consumer complaint received 2024-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

Received a letter from " Debt Recovery Solutions , LLC. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, XXXX. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by DRS based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.
Consumer complaint received 2024-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid off my credit card in Full on XX/XX/year>. Announced to me the person that I was dating was taking my card and using it. Charging things like gift cards and other random things. Within about a month it was completely maxed and I didnt know until I tried to use it. I called the company and said that none of those charges were made by me, they asked me some questions and they said that because I didnt protect my card and that I knew the person that had done it that it was my fault and I would have to pay the charges. I dont think thats fair. I think an investigation shouldve at least been done. I need your help to resolve this with this company because I cant pay this bill.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MRS BPO, LLC (PR)

Hurricane maria passed over puerto rico And i need to get water, food, there 's no energy, economy was affected, etc ... 

I call MRS BPO LLC to request moratorium payments but they refuse it I have doubt of the legit of my account with MRS
Consumer complaint received 2024-06-25
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. (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account [ XXXX ] has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l am now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (IL)

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CONSUMER ADJUSTMENT CO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.