davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (PR)

I had a checking account with First Bank Puerto Rico. I used the checking account for emergencies and when I had unexpected expenses. I have another account with another bank for daily use and to pay bills. On the last days of XXXX, I tried to use the ATM and it declined. When I returned home I noticed that the account balance was negative. I went to the bank for instruction on how I can fill a claim. One of the official told me to write a explanation of the situation and to include the statements highlighting the retirements that I did not recognize. The same day I returned to the bank with the required documentation. The official send the documents by internet to the bank customer service department. She told me that within 10 days I should receive and answer from the bank in addition to freeze the check account. I authorized to freeze the account. I waited for about 20 days and collect customer service because I had no received any notification from the bank. The operator told me that claim department concluded that my claim was not valid. I went to the bank again and asked for an explanation of the customer service decision. The official through the clerk notified that she can not help me without a resolution number. I made may self clear that the bank never sent me a notification. With that response I decided to wrote another letter and I sent it to customer service. After some time and without any news of the bank, I called customer service and the operator suggested me to open a reconsideration case. I also tried to access the account thought the internet and the bank closed the account. Until today, I have not receive any official document. The amount retired from my account in seven months is more than $ XXXX.
Consumer complaint received 2019-08-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

OnXX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX   XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.I called Transunion on XX/XX/19 and they still saying that the information is accurate because they supposedly contact the creditor. I have requested the method of verification because If I cant contact the creditor by myself how can they contact them if they have the same address that I have? They only said that they use e-oscar or any means of automated verification. So I started to ask them the name, address, and telephone number of each person contacted regarding this alleged account .For my surprise they refused to give me that information. Clearly with the XXXX XXXX Method of verification they cant gave me that information because they don't have it .I told them I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) .Given that I believe you are acting in bad faith. 
Another thing, in my last complaint XXXX they expressed on XX/XX/19 that it  would take 60 days to investigate the claim .I called on XX/XX/19, they didn't have in the system that I had made any claim regarding the XXXX XXXX XXXX INACCURATE ACCOUNT.
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with XXXX and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Account Bal. {$4300.00} Account # XXXX
Consumer complaint received 2022-05-04
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. (MO)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXXE account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (MO)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXXXXXX account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX ACCOUNT XXXX XXXXI account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX file XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Credit Reporting Act XXXXt Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have 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 2020-12-14
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. (PA)

I review my credit profile and noticed several inaccurate accounts that are fraudulent reporting on my profile below are the following fraudulent accounts : Transunion : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This credit debt was paid off over 2 year ago and the creditor is refusing to take it off my report. 
I am in the process of getting a mortgage and the company is being super awful and no cooperating with me. 

I'm attaching my bank statements to prove this debt is paid.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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.

Account Numbers 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 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (PR)

In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PR)

You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PR)

The IRS ( XXXX XXXX ) received a 480.6A form from Synchrony Bank indicating that my debt was discharged. I did not settle this account with Synchrony, I have not file for bankruptcy or authorized the debt to be discharged. Now the amount of {$5300.00} is considered income and I have to pay taxes. 

Account- XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint sometime in XXXX of XXXX, Consumer Financial Protection Bureau, Complaint ID XXXX, JP Morgan/CHASE Reference XXXX XXXX XXXX JPMorgan/CHASE responded in a letter dated XX/XX/2021 that " JPMorgan Chase Bank was the Trustee for the mortgage securities trust of which the loan was a part. '' Require JPMorgan Chase Bank to identify the deed of trust instrument number it was a part of AND state the securitization date of the? i.e. promissory note, account, other. Reveal whether JPMorgan Chase Bank was managing a lien for a bond issued for a construction loan? or a consumer mortgage loan secured by real property single family dwelling? 

Require JPMorgan Chase Bank to reveal whether it held a first or second lien and on what specific asset? i.e. Real property single family dwelling, a bond or other? Provide the date the lien was filed and instrument number. 

Require JPMorgan Chase to reveal if it filed a cause of action suit of a Judicial Foreclosure of a lien for a consumer mortgage loan against XXXX XXXX XXXX, XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX? If yes, name the borrowers involved.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (NY)

I have attempted to have the XXXX Credit Card account removed from my Experian and XXXX credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both Experian, XXXX, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. Experian and XXXX were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (FL)

I have tried at least 3 times to get these inquiries off my report before making this complaint, there are 9 inquiries on my report that I DID NOT authorize and they need to be deleted. The Following inquiries need to be deleted : 1. XXXX   XXXX  XX/XX/2018 2. XXXX XXXX XXXX XX/XX/2018 3.  XXXX XXXX XXXX XX/XX/2018 4. XXXX/XXXX  XXXX XX/XX/2018 5. XXXX/XXXX XXXX XXXX XX/XX/2018 6. XXXX/XXXX XXXX XXXX XX/XX/2018 7. XXXX/XXXX XXXX XX/XX/2018 8. XXXX XXXX  XX/XX/2018 9. XXXX XXXX XXXX XX/XX/2018 I did NOT authorize these inquiries and I DO NOT want them on my report
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I placed two orders with XXXX in XX/XX/2020 and opened their store card with Comenity bank to purchase the clothing ( Order No. XXXX and XXXX ). 

The packages were " returned to sender '' for incomplete shipping labels, I never received either packages, or a store card - so I can not provide an account number for the store card. 

I was being passed around between comenity and XXXX  XXXX, seeking a refund for the clothes that I did not receive. 

I requested that the XXXX  look into this and as a result comenity informed me that they would close the account as I have requested. The XXXX  have provided me with your information as I continue to receive bills in the mail, with additional late fees added, I receive texts and calls - even at XXXX XXXX on Sunday  mornings! 

I should not be charged for goods that I am not in receipt of - what am I paying for?! Nor should I pay late fees on these missing items!
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$24000.00} account # XXXX 30 days late in XX/XX/2020, and XXXX 2020.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting a collection account that is recorded on my XXXX  and Transuion credit reports. I have, in the past, protested this account through XXXX and Transunion, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.
Consumer complaint received 2020-12-14
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: Source Receivables Management LLC (NJ)

On XX/XX/2020 SOURCE RECVB add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold And I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, SOURCE RECVB has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PR)

Since last XXXX XXXX, 2017, I have asked for these accounts to be corrected that I mention below which do not belong to me, as well as variations of names, addresses and social security # XXXX, without positive results. 

I have never had an XXXX XXXX XXXX # XXXX account which reports being lost with a balance of {$450.00} open at the moment, XXXX XXXX # XXXX that collects a balance of XXXX in loss of {$520.00}, XXXX XXXX # XXXX that collects a loss balance of {$190.00} XXXX # XXXX Credit limit of {$100.00} which I do not belong either. 

I have never lived at the following addresses, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, P.R XXXX After the passage of Hurricane Maria by our Island I have not been able to carry out the pertinent procedures for the repair of my home either by a personal loan or with Fema for this situation that still can not be solved.
Consumer complaint received 2022-05-04
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. (VA)

formal complaint that credit bureaus reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate in accordance with FCRA 15 USC 1681, section 602 ; 15 USC 1681, section 604A, section 2 and 15 USC, 1666 ( b )
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear NAVY FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections XXXX and XXXX of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that NAVY FCU Account XXXX : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for NAVY FCU Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that NAVY FCU Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect NAVY FCU Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NV)

from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear BRIDGECREST. 

Despite my attempt to get you to remove the late fees from my record, you refuse to. 
It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - BRIDGCREST with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. 

I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. 

Most sincerely, XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I just received my investigation back from Experian they said everything is 100 % complete and accurate. I would like to receive that description according to 15 U.S.C 1681I ( C7 ) because the list of accounts below are not accurate. XXXX bank # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX