davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (PR)

I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and Puerto Rico Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX XXXX was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (PR)

The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A. States 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with XXXX XXXX XXXX XXXX, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with Equifax. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with Equifax either. This serious error or discriminatory act on the part of Equifax has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

XXXX XXXX XXXX XXXX ( XXXX ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.
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)

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 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PR)

Company closed my credit card account without any warning... I was told by company that reason was due to return payment in the last to bills... I was told that, that is specified in the terms and conditions ... As I verified the terms and conditions, it doesnt specifies that the account can be closed due to that... The only reference of it in the document, is the part says " We may close your account at any time, for any reason. " ... I consider that clause to be abiguous and can be use as excuse for reason that can be absurd or even unnethical, in my opinion ....
Consumer complaint received 2023-03-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PR)

Experian received the complaint I submitted using the CFPB complaint process. I attached all the required documents need it for the complaint, including : IDT reports, Proof of Identification and Proof of residency. I received an email today from Experian asking for thos documents already submitted. This is a work avoidance issue that need to be fix rigth away or I will take legal actions. I'll will attach the same document in this complaint. Alsi, I'm attaching the original complaint and the email received from Experian.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (FL)

In accordance to Fair Credit Reporting Act, the following accounts have 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 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

XX/XX/2020 at XXXX, I received a phone call from XXXX XXXX XXXX XXXX XXXX that was supposedly a Cash App representative that was trying to verify that I sent my mother {$100.00} on Cash App website. My mother was having trouble accessing the money sent to her via the Cash App. My mother got Cash app phone number from XXXX, and gave this so- called Cash app representative my phone number. The representative already had information about my mother and was trying to get my pin. Unfortunately I couldnt remember my pin, so he text links for me to access to reset my pin. I received a fraud alert from my my credit union that someone was trying to debit {$2000.00}, {$1000.00}, and {$500.00} dollars from my account. I try to contact Cash App but it was difficult. There is no way to get help from Cash App about these situations. I deleted my account with Cash App. My concern is the same number XXXX XXXX XXXX XXXX XXXX called me again and this person keep sending me texts from a phone number XXXX XXXX XXXX XXXX XXXX about a person sending {$1100.00} to me via my cash app with a link. The same person took {$200.00} from my mothers cash app account also today. I would like to submit a complaint and a alert of possible scam and fraud.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and financial reputation.
Consumer complaint received 2023-06-05
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)

Delete these accounts ASAP. 

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. 

" Account name : XXXX XXXX, Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$9200.00} written off. {$9200.00} past due as of XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXX, Account number : XXXX Original creditor : XXXX XXXX  XXXX sold- Account type : Debt Buyer Date opened : XXXX XXXX XXXX  Status : Collection account. {$1700.00} past due as of XXXX XXXX
Consumer complaint received 2023-04-12
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: PENTAGON FEDERAL CREDIT UNION (PR)

In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-05
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. (PR)

Delete these accounts ASAP. 

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. 

" Account name : XXXX XXXX Account number : XXXX Credit card opened XXXX XXXX XXXX  Account charged off. {$9200.00} written off. {$9200.00} past due as of XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX  Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXX, Account number : XXXX Original creditor : XXXX XXXX Company sold- Account type : Debt Buyer Date opened : XXXX XXXX XXXX Status : Collection account. {$1700.00} past due as of XXXX XXXX
Consumer complaint received 2024-06-14
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. (NY)

XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX I have an active fraud alert on my credit report and I did not request credit or loans with any of the businesses above, I have called XXXX to inform that it was not me that authorized them to check my credit report. They did not do anything.
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. (MA)

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 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EMI Equity Mortgage, Inc. (PR)

I got divorced in the state of Pennsylvania USA in XXXX. My divorce ( Decree ) has been valid by a court in XXXX XXXX since XXXX, after this, the court in PR in my favor ordered to the " XXXX de la XXXX " put the title of the Property in my name Only. But the mortgage loan I have been fighting for eleven years to be allowed to pay and the investor and the bank do not authorize it, They said do I need find my ex Husband, this increasing the expenses, costs and attorney 's fees. After 11 years Last XX/XX/XXXX, the court dismissed the investor 's Demand. After this happened, now the bank are saying that they are going to help me. They have been asking me for the same documents for more than 3 weeks, the month of XXXX has just entered and that is more money for the bank and the investor. In my case I was proved and Find out that it is one case with full of misinformation, mistakes and lies. I want to know if my case has been handled properly under the federal Loss mitigation laws. It has been demonstrated and is on record by a court in our jurisdiction that the investor and the bank have not complied, with the law, Know I need the cfpb investigate this particular case and let me Know if the investor and The bank Follow the Federal Rule of Loss Mitigation Laws. step by Step. Thank You.
Consumer complaint received 2024-06-19
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-03
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. (GU)

I reported the issues surrounding an account found on my credit reports named XXXX XXXX XXXX  '' # XXXX account that had many inaccurate information on payments with CFPB as of to date per XXXX and Experian it ( shows that I made a payment in XXXX OF 2023 ) ; I have Never made any recent payments to this company- ( please ask to see a payment receipt from said company it will show nothing! I have no copy of any paid receipts, no recordings of such kind ) reporting payment dates, etc.. as of to today. This company is reporting something that is FALSE and intentional! This goes against section 623 of the FCRA and regulation V. Second, I have also reported this a few times with credit bureaus and both XXXX and Experian with the exception of XXXX has removed/ deleted the account. 
This said account was opened XXXX ( it is now aged at 10.4  months old ) and after verifying with a free annual credit report and the bureaus this account has EXCEEDED the FCRA rule which is " a consumer reporting agency can no longer report negative information that is more than seven years old. '' As a consumer they have violated my rights and is not in compliant. I demand that they remove this account immediately across XXXX and Experian bureaus. They are strictly in violation of my consumer rights.
Consumer complaint received 2022-12-05
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA violations : not my names XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-01
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: LCI Acquisition Inc. (PR)

. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that they immediately delete the items specified above from my consumer file with their agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-05-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO (PR)

I have paid off a car loan on XX/XX/2020, and there wasnt a notification of additional charges of that account. Currently doing a dispute to my credit record for that amount, the bank states 3 years later that there was an outstanding amount of XXXX, and the account status was changed to charged off. The bank institution does not submit in the last 3 years any invoice or letter requesting payment for any outstanding amount. 

That is a ilegal charge and Im not gon na pay any additional account without any evidence of the institution regarding any attempt to collect that new amount.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

My credit limit was drastically reduced. {$3000.00} to {$300.00} due to a routine credit check. The reasons given were inaccurate and some of the things mentioned were present when the account was approved which makes little to no sense. 

Payments made on this account were never late.