davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I'm sending this complaint today asking for assistance regarding my credit file Multiple letters were sent to EXPERIAN requesting to remove the disputed Items from my credit report as well as remove the Items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Island Finance Puerto Rico (PR)

On XX/XX/XXXX I went to the financial institution to ask for the payoff quote of my loan. I knew my last payment was on XX/XX/XXXX, I just didn't know how much would be the amount. When I get my letter stating the payoff balance, the amount was {$2300.00}. When I asked the assistant Manager, she stated that it was in result of the loan extension that was automatically applied to my account due to the Hurricane Maria emergency and that was the amount to be paid. I was not able to analyze the information at the moment of receiving the payoff letter due to my agenda. After reviewing the letter and seeing the outstanding balance being almost half of the initial unpaid principal balance ( {$5000.00} ) at the beginning of the loan back in XXXX, I realized that this was an unfair, deceptive and abusive practice. Once I went to the branch to discuss this high amount of the last payment, on XX/XX/XXXX they advised me that the interest for the loan extension had been accruing interest for all these years even though I never agreed to the terms and conditions of the alternative and it was automatically imposed on all customers. I never had the opportunity to refuse or sign any document or contract that stipulates that I was in agreement to the loan extension, and never got any letter stating the same terms and conditions being applied to my loan account. They advised me that there was nothing they could do to solve the matter and advised me to request the loan history with the customer service department but they could not provide details regarding balances of the account.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANCO POPULAR DE PUERTO RICO (PR)

I made a transfer from my transaction account to my savings account for {$1100.00} on XX/XX/XXXX. 

The bank did not post the transfer DEBIT until XX/XX/XXXX. The transfer debit was posted AFTER several debit card transaction that were processed AFTER the transfer. They also posted an XX/XX/XXXX bill payment after several debit card transaction made after the bill payment. 

This caused my transaction account to be overdrawn and the bill payment is now showing as rejected. 

The bank then placed the entire {$1100.00} that I transferred to my savings account on hold, causing the savings account to also be overdrawn. 

When I called the bank, they said that they placed the {$1100.00} on hold because my checking account was overdrawn and said they would not be releasing the {$1100.00} hold in my savings account until I covered the overdrawn balance in the transaction account. I explain that I could cover the overdrawn amount in my transaction account if they removed the hold on MY money in the savings account. The representative stated that the bank would not remove the hold in my savings account, even though that hold was on MY money, until I covered the overdrawn balance in my transaction account. 

I asked to speak to a supervisor. While I was waiting, my wife was able to transfer enough funds into my transaction account so that the account was no longer overdrawn. When I spoke with the supervisor, I was told that they would not be removing the hold, and that I would have to wait until the following business XXXX for the hold to be removed. 

This is a blatant reordering of transaction processing and arbitrary holds to cause fees. Also, I was misinformed by the first representative RE what I needed to do to get access to MY money. I was told that I had to cover the overdrawn balance to get the hold removed, only to then be told that they weren't going to remove the hold and that I had to wait until some automatic process to run the next XXXX
Consumer complaint received 2022-11-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report
Consumer complaint received 2022-11-29
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. (PR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Good morning, I am the daughter of the owner of a property financed through Banco Popular of XXXX XXXX. A summary of this case is as follows. This mortgage was modified on XXXX and after XXXX years of on time payments as agreed we had a dispute on XXXX when modification end. We found that balance was incredibly raised and my dad did an offer to do a Short Payoff. This offer was counter offer by Banco Popular on a communication dated XX/XX/XXXX by a Bank agent. This counter offer amount was {$81000.00}. After this event, I spoke to the agent and request and additional offer submission and her answer was that an additional offer was totally acceptable. Our second offer was submitted and without any bank communication the pending bank counter offer of {$81000.00} was canceled and a month later without any final answer of our second offer the bank called to inform that our case has been closed and that all documents must be submitted again. Further explaining, without any answer from us and without any bank response, the bank closed the case and opened a new case a few months later. The surprise was that increased the cancellation balance from {$81000.00} to {$110000.00}, approximately {$30000.00} more!!! On XXXX months in a middle of a pandemic it can not be justified a sudden balance increase since property value and interests were almost the same amount. My dad taught me that on business the agreements are of great worth. On this bank the rules are its discretion. In addition, the bank explained me that we had 15 days to close. The bank communication sent explain that we had 15 days to communicate and not to close. I communicated with bank the same day and keep communication constantly. I explain further, the bank did not answer emails, no mortgage banks are operating face to face near the clients and no communication with a XXXX is possible neither. Therefore, I demand the return of {$30000.00} that were paid in excess on the process to avoid foreclosure. Please indicate if there exist any remedy for this. Any additional detail required contact me at XXXX. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/2022 I went to XXXX store to pay my account to XXXX XXXX There were problems with the register that was unable to process payment, but I had already signed for electronic processing, they moved to another register gave me a receipt after I was asked to sign again, but told me to leave the check in case it didn't go through, which I did. A few days later I was checking my balances om my account and noticed same amount payment twice. I called my bank and they confirmed it was duplicated. I called customer service and was told they would revert it. XXXX only received one payment and it was reverted and they were charging late fees. I made claims to XXXX my bank, Banco Popular and tried making to XXXX who acted very strange. I finally spoke to the legal department of my bank and they said they reverted and deposited on my account only XXXX! There's more
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Genesys National Recovery, Inc. (PR)

I began a membership on a local gym. I had visited the gym just a couple of times before I was forced to stop due to work. I had requested a cancellation in XXXX, but because of health and work reasons I did not follow up. They would still debit the monthly payment right up to XXXX of this year when I had to change my debit card. After a couple of months, in XXXX, they contacted me about the debt. They said that it could affect my XXXX XXXX, and even called XXXX of the contacts I had provided. I told them that I was not prepared to pay the full amount, almost {$600.00} at that moment, but, if we could reach an agreement, in about 30 days I would be able to cancel the debt. They said that it would be referred to a collections company. At the moment, I thought that it would be better since I could come to an agreement with the collections company. 
On XX/XX/XXXX I received a call from XXXX at Genesys Financial, who began the conversation saying that he was calling to ask for my legal representation information because a legal process would be beginning against me because of the debt. I felt threatened. He did not inform me if the call was being recorded or not. He then continued to say that I had refused to pay the debt when I specifically told the person that had called before that the payment would be made in 30 days. He informed me that the debt now was {$1100.00} approx, and that I had until tomorrow, XX/XX/XXXX at XXXX to make the payment. He sent information regarding his company, but the company 's name on one of the documents does not match.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Yesterday, I visited XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in order to buy a bed with my XXXX Credit Card provided by XXXXXXXX XXXX. I am not a first time customer here at XXXX, the short name of this store, and I simply informed the sales rep, I have a credit at this store in the amount of {$6000.00}, as the included images from the XXXXXXXX XXXX XXXX Credit Card clearly show. But, the sales repXXXX said because I didn't showed the credit card, he understood I was talking about other credit option with XXXX and proceeded with my purchase as a loan application that I never mentioned or talked about. I understood that after saying the XXXX dollars credit I have with XXXX, it was easy to understand I was speaking about their credit card. The sales representative did not understood this way and proceeded to make a hard inquiry for a new loan.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PR)

On XXXX XXXX a dispute was opened in Experian ( XXXX ) for a account that does not belong to me XXXX XXXX XX/XX/XXXX XXXX I receive the results of that investigation, according to Experian " the company that reported the information has certified to Experian that the information is accurate '' even though I sent them a copy of my XXXX XXXX report ( XXXX ). I contacted XXXX and indeed they do not have any public records in my reports, in addition they do not have any request for information from Experian asking for the verification of the account that I am disputing. I am concerned that Experian is not taking seriously this dispute that I have been with them for so long and it is seriously affecting my borrowing levels. I need this to be resolved as soon as possible. 

attached copy of Experian resolution and copy of my XXXX consumer report
Consumer complaint received 2022-11-13
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: Experian Information Solutions Inc. (PR)

XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-11
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. (NY)

Im sending proof showing the fraudulent account with XXXX XXXX Collections for {$37000.00} and XXXX XXXX XXXX this is being reported by a XXXX party was reported to the identity theft.gov.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, 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. (PR)

Mortgage arrears appear in the credit report when the account is current with XXXX XXXX XXXX XXXX XXXX. Letter is sent indicating account up to date. This has affected my credit.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 Date of inquiry XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I notice that my credit report was really low within last couple months, base on my payment history since i never had late payments or delinquents account. After reviewing my hard inquiries reported i notice there were 2 lenders ( XXXX XXXX, XXXX mortgage, both lenders currently have no relationship with me ) that reported at least 4 unauthorized hard inquiries for 3 credit bureaus ( XXXX, TransUnion, XXXX ). I already contact them by phone, made online disputes and sent letters to this 3 bureaus, lenders and haven't resolved this fraudulent issue.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (NV)

Credit Inquiries filed were illegally submitted. Id fraud. Files ID theft with federal credit agencies. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX, XXXX XXXX XX/XX/year> XXXX Date XX/XX/year> XXXXXXXX XXXX XXXX Date XX/XX/year>
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

My spouse filed bankruptcy without me and without my knowledge. 
One account from XXXX XXXX is being reported unfairly as derogatory under my credit report with Experian. 
XXXX XXXX, after disputes and complaints, has even agreed that it should be removed. I have documentation that they have requested that the credit bureaus no longer report it. The other two do not have this account reported. Only Experian REFUSES to remove this account even after being provided evidence that XXXX XXXX agreed to remove it.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

I accessed Experian credit bureau online and I was able to view my XXXX credit reports for free under a trial base for XXXX days. The start day was XX/XX/year> and the last day of the trial period would be today XX/XX/year>. When I went online to Experian I noticed that my credit card information was changed without my authorization. My card ending in # XXXX was listed in their system and it was already past the expiration date however I noticed my card ending in # XXXX was listed in their system. There's ABSOLUTELY no way humanly possible that I input that particular card number as it's my business credit card. In the past I've contacted and demanded Experian to remove all of my payment information from their systems/records in which they willfully and malicious refused to comply in accordance with my request. Therefore I'm accusing Experian XXXX XXXX of credit card theft and identity theft. 

I'll be filing a police report against Experian for identity theft and credit card theft.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (PR)

Hello, this company has been trying to charge me for a service that i already paid and disconnected, they chargerged me twice in one month for {$120.00} and {$70.00} all in the month of XXXX when the XXXX XXXX  hit the XXXX, mind you i had no service since the XXXX of XXXX all the way to the end of XXXX since the power was down in most parts and they were not equipped with backups to keep the service running, i encourage this company to take a look at the account and stop sending mails to charge for a service i did not received properly, they then sent a debt collector to threaten me that if i not pay said amount my credit will be damaged which can not be true because i was never in a contact with them
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : Midland Credit Management/XXXX XXXX Midland Credit Management/XXXX XXXX Midland Credit ManagementXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. 

Thank You