davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (AZ)

First bank in Puerto Rico, Loan officer XXXX XXXX XXXX and processor XXXX XXXX were Non responsive. I started this deal in XXXX and XXXX approach and still no closing in site. Emails, calls and text often unanswered despite me submitting any document request in a timely manner. Below is the email I sent them ( No response by the way ) " Feedback is a very important part of improving your business. This is why I am taking the time to write this email. 

Transparency is very important when you do business. Responsiveness is a very important to doing business. I am sorry to say neither of these have been characteristic of your Bank managing my account. 

I need to take a moment to voice my frustrations with your loan process. I have closed approximately 10 loans in the last few years which has included 5 rentals properties ( XXXX each ), 2 primary residences ( XXXX and XXXX ), 2 refinances ( XXXX and XXXX ). I am VERY familiar wth the process. Even during Covid I had a 30 day close on a property. I have never had such difficulty in communicating and closing a loan such as this, I have never had to " withdraw '' an application to convert the deal to a cash purchase. I am grateful that I have the resources to convert this to a cash purchase to avoid losing the deal but I am very dissatisfied with First Banks responsiveness all around and the manner in which you conduct business and managed my account. 

After numerous emails, phone calls and texts. many of which went unanswered, I had to make the decision to find alternate means of make the deal work. I have provided every document requested in a timely manner despite my busy schedule. 


Rest assured that as I continue to do business in Puerto Rico and invest in real estate, First bank will not be my first option nor any future recommendation to any of my colleagues or others. It is unfortunate we came to this point and please understand, my issue is not that you did not complete the loan ( I was NOT declined ) it is ultimately the manner in which you have conducted business. 

This was not a million dollar deal but in the loan industry any size loan matters. Your company and its representatives lacked the attention to detail necessary, responsiveness and communication to make this process efficient and see it to completion. I have had to resubmit many documents even though when I was asked I typically submitted them within minutes. 


In closing, this was my first transaction using a PR bank and I hope in the future I may have a better experience as I am committed to investing in PR. I hope this letter serves you with information you may use to serve your future clients better and improve your processes. ''
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX I discovered my account ending in XXXX was no longer available for view on my online account. I called Capital One and they informed me that my account was closed by the credit reporting agency due to my account being opened fraudulently. I never received a letter or warning regarding closure of my account my first time having any knowledge was when I called to inquire. Fast forward to XXXX Capital One has refused to reopen my card and is now reporting a new card ending in XXXX. I've never had a card ending in XXXX only XXXX. Is this legal? When I called to inquire why the card number was different they told me it was because of the " fraud '' placed on the account. I just want clarity why my account number was changed without my consent or acknowledgement.
Consumer complaint received 2023-02-25
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: Affirm Holdings, Inc (LA)

IVE TRIED DISPUTING THIS ACCOUNT DIRECTLY WITH THE COMPANY AND THE BUREAUS AND NOTHING HAS BEEN DONE.THIS IS NOT MY ACCT. IVE CALLED OVER AND OVER AGAIN TO GET THIS RESOLVED EVEN FILED A POLICE REPORT
Consumer complaint received 2021-08-11
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. (TX)

My credit report shows a payment deferred status with on my XXXX mortgage account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX  mortgage and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.
Consumer complaint received 2020-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MD)

Thanks for help, the thing is i had this credit card from " XXXX XXXX XXXX '' and i paid off and asked to close it long time ago and it was disappeared from my credit report long time ago, from about one week ago i found my credit score went down because the credit card company reported that this card paid full but in late then i found the credit card appeared to be open which is totally odd so i am asking for help please thanks
Consumer complaint received 2017-08-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MI)

I have asked XXXX XXXX on multiple occasions to stop calling my work cell phone. I get repeated calls from different numbers all over the United States and every time it is XX/XX/XXXX. Instead of stating who they are and they ask is this My name and put me on hold then attempt to coerce me into paying on the spot. I have tons of customers calling me on my cell phone as I am a XXXX XXXX yet half the time I answer it is Midland. This morning XX/XX/XXXX they called at XXXX XXXX as well as yesterday at XXXX XXXX. I have been working nights to help cover for XXXX at work. They woke me up this morning as soon as I went to sleep. This is repetitive and abusive and I believe falls against debtors protection laws.
Consumer complaint received 2022-12-19
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. (RI)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2018-04-05
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: Experian Information Solutions Inc. (CA)

Reach out to Experian Credit Bureau to Verify 3 accounts that is on my credit report and provide me with a copy of the original creditors documentation on file that this information is mine and is correct per FCRA. They have not provide these documentation to me, they also sent me a letter stating the information has been provided by the creditor but I never received the documentation I requested per the FCRA, so these three accounts are still consider unverified and is hindering me and my family from purchasing a home. I attached two certified notification when I sent Experian, also the 3rd letter in the exact words they received the first two letters along with a copy of my state license.
Consumer complaint received 2024-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize nor applied credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent inquires from my credit report as soon as possible.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One credit card has unfairly and unilaterally closed my business account along with another joint credit card account without any notice and proper justification. My husband and I have outstanding credit history and have never missed a payment. All charges made to both accounts have been well in line with the credit card agreement and with verbal and recorded phone interviews with the company. Capital One refused to elaborate on the account closing and gave no choice to reopen both accounts. They cashed out my rewards at half the accumulated points.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

In early XXXX, I received my monthly statement from XXXX XXXX XXXX with a charge called " XXXX XXXX '' for {$100.00}. I was unfamiliar with the charge. When I contacted the credit union to further inquire, they said that they were unable to identify the vendor and had no phone number. They did have a vendor number, which they XXXX. They said that this vendor number is associated with numerous online complaints of fraud, and recommended that I deny the charge. I agreed and they denied the charge for me. 

On XX/XX/XXXX, I received two letters regarding my XXXX XXXX XXXX XXXX from an organization with the letterhead, " XXXX XXXX ''. The letter had no other identifying information about the name of the business. It said that my automatic payments on my XXXX XXXX XXXX XXXX were being cancelled and that the " payment account relationship '' was being removed from my credit card due to this charge of {$100.00} not being authorized by me. I called the number on the letter and was informed that I needed to pay a {$25.00} late fee and that my account was in suspension. Part of the reason I didn't recognize the charge for {$100.00} was that there was a bill of {$120.00}, but there was a positive balance on my card for about a year for the difference, and so the actual charge was less than the total amount of {$120.00}. 

My questions are of a general nature. Why wasn't the credit card company required to write me a check for the small balance after many months with a positive balance on the books? More importantly, why is a credit card company allowed to submit an ACH with no further identifying information than " XXXX XXXX '' and no phone number or address? Why does the letter itself not identify the company? This behavior either requires consumers to accept at face value any charge, or pay a penalty for trying to figure out whether fraud has taken place. I recommend that CFPA require better identification on all ACH transfers, including a phone number. 

I found out on the call that XXXX XXXX is actually Elan Financial Services, a subsidiary of XXXX Bank that services many banks including Fidelity. Fidelity was unable to advocate for me, although they contract with XXXX to manage their card. The person from XXXX who answered the phone said she was a supervisor and was unable to remove the fee or change the way the charge appears on bank statements. When I asked to speak to her supervisor about the latter issue, she said she does not have a supervisor, and that the only person above her is the CEO, who only has an email relationship with her. I am concerned that organizations such of this have inadequate accountability and lack grievance procedures.
Consumer complaint received 2021-09-14
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. (TX)

XXXX XXXX account showing {$0.00} balance but is showing on my report as charged off/unpaid. There is no such thing as a {$0.00} balance. The balance is inaccurate as well as the date of account opened.
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX  COMMUNITY CUDispute XXXX COLLECTION XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Consumer complaint received 2020-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute all ftc violations
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.