davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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)

I was a victim of identity theft, for which the documentation was submitted to Experian to remove the XXXX XXXX XXXX account, with # XXXX they removed it from my credit report, and they reinserted the account that does not belong to me without notifying me by mail 5 days before as required by law, so I request that you remove this account as soon as possible.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Account # XXXX Account # XXXX Acount # XXXX Account # XXXX Account # XXXX Account # XXXX Has Violated my Rights 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Formal declaration dated : XX/XX/XXXX Formal Notice : Refusal to pay a debt. 
Reason : Identity Theft, account isn't mine. 
Notice : Under 15 USC 1692cc Regarding Accounts : XXXX ( Business ) and XXXX ( Personal ) and any other associated accounts. 

Dear Sir/Madam, I, XXXX XXXX XXXX hereby declare my refusal to pay, exercising my right under US law , specifically 15 USC 1692cc . Despite multiple notifications and formal declarations, XXXX XXXX persistently reports fraudulent account activities associated with my identity. Accounts starting with numbers XXXX and XXXX, erroneously linked to me, remain on your records despite originating in XXXX. I discovered these discrepancies in XX/XX/XXXX. 

I demand an immediate cessation of all communications and reporting regarding these fraudulent accounts in accordance with the Fair Credit Reporting Act ( FCRA ), particularly violations under sections 1681 i a-5 and 1681 e-b. Furthermore, I remind you of the provisions outlined in 15 USC 1692cc of the Fair Debt Collection Practices Act ( FDCPA ), which mandate the termination of communication upon notification of refusal to pay a debt, including reporting to any credit bureaus. 

Additionally, I implore XXXX XXXX to comply with 15 U.S.C. 1681c-2 by implementing measures to block information resulting from identity theft. Furthermore, an examination of late payments under 15 U.S.C. 1681a ( 2 ) ( 1 ) exclusions and verification of permissible purposes under 15 U.S.C. 1681b are urgently requested. 

Failure to adhere to these demands will result in further legal action. Please acknowledge receipt of this notice promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX Email : XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (PR)

This card was aquired at a time I was married to the mother of my children. She had used it on different occasions and I decided to fille for bankrupcy at the time and the credit cards where in the audit. I had this mention to the credit card company thus they terminating my account.
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Island Finance Puerto Rico (PR)

I am receiving almost on a daily basis a call from Island Finance trying to collect a debt from a person that I do not know. They say that I'm a reference contact and I have never consented to being a contact for anybody. Moreover, I not know who the person they are trying to contact is. 
I have told them this and the collector refused to believe me and keeps calling. I called their customer service line and reported the situation and the caller, they told me they would investigate and remove me from their calling list. Yet I still receive calls. I am currently blocking these calls but the collector keeps leaving voicemails asking for this man that I do not know.
Consumer complaint received 2024-05-01
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. (IL)

" I'm asking for proof of the prior investigation, including details of your investigative process and all relevant communication records, like names, business addresses, and phone numbers. Additionally, I need documentation verifying the late status of this account. If you're unable to provide this within 15 days, please update the dates on the account to 'PAID/NEVER Late ' and send me a copy of my updated credit report. ''
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (PR)

On XX/XX/22 CITIFINANCIAL RETAIL PR, XXXX XXXX receive a payment of XXXX with reference number XXXX on behalf of my XXXX XXXX XXXX account, that payment was made by mistake, since then I have been trying to contact them for a refund by information provided by XXXX XXXX XXXX, but I haven't succeeded. They told XXXX XXXX XXXX that I have to present the complaint myself so they can refund me the money. XXXX XXXX give me the postal address of CITIFINANCIAL but when I send it, the letter was return to me for insufficient address. As of this day I haven't make any contact with them to get the refund of the money. 

My email address is XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (PR)

so on XXXX XXXX i bought an item for XXXX and i quickly wanted to be cancel cause i dont want it as its my right to refuse the item, well this company ignore my request and told me that i couldnt do it and told me that just to sell the item on there website, i told them many times i dont want the item and please just to refund me they still denied me and sent the item either way, i received the item and i return it back to its sender, after i told them that they still refuse to give a refund so i went with my credit card company which is ( apple ) i submitted every single evidence in my part and with that i was calm cause i know i was in the right, i received my email today XX/XX/2022 saying that i lost the dispute and the reason that i lost was because supposedly The evidence we received confirms that all sales were final at the time of purchase like that doesnt make any sense it doesnt matter if there were final i returned the item and they refuse the item so what i am my supposed to do i did everything but they still refuse to give me a refund, other that just sketchy to tell your customers to sell it in your website that just the worst place i resubmitted the dispute and will provide the same evidence i did and the worst of all i need to wait 2 billing cycle to get answer which is really disappointing, please i need your help with this apple is not doing its part as a fair credit card company
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

hey i asked the trans union to do in in investigation of account XXXX XXXX XXXX that had a lot in inaccurate information and XXXX XXXX  XXXX XXXX  i do not recognize as mine iv never paid for phone plan of phone. that if any information was inaccuracy to delete from my report .instead they made update and that was not my request so im writing to you In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

any actual damage sustained by comsumer as a result of failure or damages of not less then 100 not more than 1,000 : I want 1,000 per violation & removal of account from my profile.
Consumer complaint received 2024-04-11
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. (MA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PR)

Account frozen without notice for three days for an investigation leaving elderly account holder without access to cash in the 3 day interim, until the investigation is concluded. No regard or consideration given to the fact that this is the only financial institution and locking account up leaves the person financially stranded for 3 days. Tried to request that the investigation be expedited unsuccessfully after mentioning that it is the only financial account and that I could not buy groceries to make it through the weekend. Placed me, XXXX widow without kids or family in significant financial hardship for three days as I do not beep cash in the house and did not have enough food to make it through the weekend. Account was locked on Thursday and will take 3 business days to be unlocked ( 5 actual days without any access to my funds.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-01-02
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. (AR)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (NJ)

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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. (OH)

Dear Experian, My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile. I'm concerned about the accuracy of the information in my credit report. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true. Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXXXXXX 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
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (KY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (PR)

I would like to file a complaint about Pentagon Federal Credit Union. I have a credit card with multiple promotional balances on it. Two of these balances are due by XX/XX/XXXX. The third is not due until XX/XX/XXXX. When I make a payment, they apply the payment in parts to all promotional balances, rather than the promotional balance that will expire first. I could find no information anywhere, either on their site or in the documents that came with the card, that explain how these payments are applied. When we called the bank on XX/XX/XXXX to inquire about making sure payments were applied to the correct promotional balance first, they told us that there is no way to apply our payments to the specific balance we want. We must wait for the promotion to expire, and then pay it ALL off the day after in one lump sum. This is an extremely unfair and predatory business practice. I should have the option to pay these balances off by the due date. It feels as though they are attempting to trick their patrons into having to pay interest no matter what and they do not make possible to pay off specific interest before the promotional rate expires.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX and XX/XX/XXXX Nelnet opened XXXX loans on my credit report. They notated that all of these loans which adds up to over {$23000.00} was each a separate loan. Nelnet also put my date of last payment as XXXX. Then charged over that and made it a negative balance. I do not owe any student loans. I did not receive any funds from these loans. Nelnet bought these loans from Great Lakes thinking I would pay it. Again I didnt receive any funds these loans were reported as fraud. I did not open XXXX loans. I did not open any loans. XXXX XXXX charged loans XXXX or 4 times and never sent me the funds they distributed these funds to someone elses bank account. Again I did not receive any funds from these loans. I did not sign any documents for these loans, and these funds were obtained fraudulently I do not owe Nelnet and now they have damaged my credit.
Consumer complaint received 2024-04-11
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: Experian Information Solutions Inc. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I took a 20 year loan with Banco Popular totalling {$91000.00}. On XX/XX/XXXX XXXX, I received a call from Banco Popular, XXXX XXXX XXXX XXXX. The call was to make me an offer of an amnesty of up to 4 months. My credit would not be afeccted nor late charges were not goign to be XXXX. I ask XXXX XXXX if the conversation was recorded, and he told me it was. I ask if the payments were going to be mmove to thje end of the loan and he told me yes. I ask if it was going to be a lump sum payment or installments and he told I just have to complete my installments. I took 3 months out of the offer of 4 months and resume my payments regualry. In my payment number XXXX I print the screen with the balance on the loan and the numbers of paymnents made. I did the same with the payment number XXXX. When I went to make the payment XXXX I notice the loan was increase by {$2700.00}. I made a call to the bank and spoke with XXXX XXXX XXXX, she send me a statemnet showing a second mortgage for the same amount, I stated writing since then telling her I have never apply for a second loa, that they sum that amount to me loan without my consent. I told her I wanted to hear the telephone converstion with an officer of the bank because the conditions offer and accdepted by me were very different to what they establish. XXXX XXXX told me several time that I just have to complete my XXXX paymnents, not that I was going to endo up payimg XXXX payments, that was not what we agree over the recorded conversation. I made the payment number XXXX and they charge my bank account but have not credited to the balance of the loan nor to the number of payments. I receives a letter that I missed a payment when I have the receipt of the XXXX payment. I hope you can help me, this institution is abussing of myself and probalbly of many other who have not notice the shceme.
Consumer complaint received 2015-09-02
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (NM)

I believe we have reached a mediation settlement with the mortgage company. I am enclosing the documents. I had XXXX a job loss and I am recently employed, my older son and I are making the payments to escrow. I am attaching a document since I could not attach it to the other case. Case number : XXXX. We need the cooperation of the seller and the trust company, Sunwest trust, the bank has agreed to let me and my family assume the loan. We have made the payments and lived and repaired and insured the home. Please refer to the attached document.