davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, Experian, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.
Consumer complaint received 2022-06-22
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

On XX/XX/XXXX I called Remex , Inc. ( XXXX ) and spoke with XXXX XXXX and with XXXX XXXX did not get her last name ) regarding a medical collection appearing on my credit report in the amount of {$120.00}. I asked if I can settle the account and obtain a letter stating the account will be deleted from my credit report. They informed me they can not delete it from my account unless I pay a debt from XX/XX/XXXX ( {$1200.00} + ), this debt does not appear on my credit report.. In the State of New Jersey, the statue of limitations on debt is 6 years. ( Collection of Debt on Account -- XXXX yrs. XXXX ). Basically they are holding my credit hostage unless I pay a debt that has past the statute of limitations. I am trying to obtain a mortgage and need to have these deleted from my report. When I advised them of the statute of limitations, they said that wasn't the law, when clearly it is. This is unethical in terms of trying to obtain payment on a debt that is no longer collectable.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (MD)

I was just looking over my credit reports and found some inaccuracies that I am demanding GreenSky and credit bureaus to correct. I sent a letter, certified mail, to all credit bureaus stating the issue and requested the information be corrected. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The account is stated to be active with GreenSky, but it was closed on XX/XX/2019 ( XXXX ) XXXX and XX/XX/2019 ( XXXX ), on corresponding credit bureaus. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The current balance is reported to be {$890.00} on my credit reports, but with GreenSky it is reported to be {$870.00}. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (PA)

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Consumer complaint received 2022-06-22
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. (MI)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # xxxxxx XXXX, XXXX LA # xxxxxx XXXX, XXXX xxxxxxxxxxxx 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 2021-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

My Coinbase base account was compromised. I am unable to login to my account. However, someone who was able to withdraw all my monies from my bank account. I called my bank account and had to close the account that was linked to Coinbase and open a new one.

I wrote Coinbase about the complaint, but have not received a phone call or anything that could resolve my issues. I have over {$4000.00} in asset in my Coinbase account.
Consumer complaint received 2020-05-13
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. (GA)

This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. Transunion would not respond to my efforts, the accounts that are fraudulent are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of today XX/XX/XXXX I've noticed that two accounts under the name XXXX XXXX XXXX XXXX has been reinserted back onto my ( Transunion ) credit profile without 5 business notice as required under federal law section 1681 of the fcra.

There are currently two accounts being reported simultaneously. 

1 ) account ; debt collector ; XXXX XXXX XXXX XXXX, report original creditor. XXXX XXXX XXXX XXXX with an outstanding balance of {$1900.00} inaccurate, unverifiable reporting a violation of FCRA rules section 1681.

2 ) account that collector, XXXX XXXX XXXX XXXX. Reports, original creditor as XXXX XXXX. With an outstanding balance of {$3500.00}. This information is inaccurate, misleading, inconsistent. A violation of fcra rules section 1681. 

Notice in attachment ; XXXX XXXX XXXX XXXX   knowingly changed the name of original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX and altered the outstanding balance I'm out from {$3500.00} to {$3500.00} to make it seem like a new account. This is a clear violation of federal laws. 

Both account has been added and deleted to my credit 3 times since XXXX of 2020. Records will show.
Consumer complaint received 2020-05-14
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. (FL)

To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority (MD)

I could not pay student loans for Georgia Student Finance Commission 's Student Access Loan for a while during XXXX. There was no attempt to resolve the issue by extending forbearance or deferment. It is just a feeble attempt to help fix this. XXXX when I started working a better-paying job, an attempt was made for installments of XXXX XXXX XXXX on XX/XX/2022. In addition, my XXXX  tax refund was used to help pay off the loan amount. I received my credit report and noticed late payment reports. I knew I had made installments, so I did not understand why missed payments were being reported. When I went to see what was going on and do a forbearance on XX/XX/2022 because I lost my job, I was notified later by mail that it was sent to collection. I never received any letter that this was being sent to collections on XX/XX/2022, and again, no attempt to resolve the issue. Even in collection status, I have received nothing from any collection agency! This is immensely hurting my credit for no reason.
Consumer complaint received 2022-11-19
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

Opened a sears account in XXXX of XXXX, I paid and made all payments on time in XXXX of XXXX sears reported that I made a payment 30 days late AFTER the due date which is false, the months before I made 2 payments for a total of {$150.00} dollars in XXXX, an made another payment in XXXX for {$50.00}, after my efforts to try an dispute it from XXXX failed cause sears said that the information is accurate, my account which showed what was paid was disabled/removed and sears reason for deleting my account that PROVES I made the payment was that it was supposed to be deleted because we CLOSED YOUR ACCOUNT for inactivity, I still have the receipt that sears sent me before closing the account because i saved it, an I would like this to be resolved, since this is the only DEROGATORY mark on my credit
Consumer complaint received 2020-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I continue to receive automated messages from HRRG collection company to call them. I mailed a letter regarding the debt they are attempting to collect with proof the account was paid other than a {$50.00} portion that was unwarranted and per the hospital that recorded the debt would be waived. I haven't received anything in writing in about 6 months. Every day at least once I get a call from HRRG with an automated message to call them. The numbers show up under peoples names and various other business unrelated to them ( XXXX was the most recent ) so clearly they are hiding their identitiy. When I mailed the letter, I asked them for confirmation in writing and of course received nothing other than the non stop calls. I have tried blocking the calls now but they keep coming up with other local numbers. I just want them to go away.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CT)

The first thing that happened was that I had got a notification from a website that I won a tablet so I felt out the application for it and a little bit later I decided to check my chime account and it showed me that something was pending for XXXX $ and that wasn't from me. So then I decided to call chime and they told me that they were going to do a dispute and to cancel/ get a new card. And then I called XXXX and they told me to call chime back to let them know that there was nothing that they can do because it was authorized. When I didn't do that because I don't even have a XXXX account. So then I called chime back that's when they said that they closed the dispute and they didn't even investigate nothing, then they told them if I get anymore proof call them back, then some someone tried to order more stuff on Wednesday at XXXX pm for something called XXXX, then on something called XXXX on Saturday at XXXX, so I called chime and told them about it and they told me to cancel my other card and to dispute it, and then with all those disputes they closed them all without checking into it, they told me that it was enough to reopen the claim, until I got a message saying that they weren't going to reopen it, they have told me to do a police report which I couldn't do because they weren't trying to get what the officer was saying to them so there was nothing he could even do, sense I had chime my money has been getting stoled not only on this cards but on other cards kind of connected with chime, this has been happening for now over a year and I really need my money back because over a year ago something was charged for XXXX $ dollars, there's other stuff that I may not be aware of, if money that I may not be aware of because I thought my money was safe cause there's large amounts of money that I can't explain, my ssi goes there, I had problems with my tax return and my stimulus on XX/XX/XXXX in XXXX Friday XX/XX/XXXX of XXXX, Monday XXXX XXXX, Tuesday XX/XX/2021, XXXX XXXX and etc. 

I couldn't do a police report because they had closed the claim The officer name is Officer XXXX and his number is XXXX Then I called them back, they told me that they were opening the claim, and then a few minutes later I got a email saying that the claim was closed, my social security checks and IRS and stimulus is linked to chime. Please help me because nobody would
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

I have submitted this before, a few weeks ago. When XXXX closed, Synchrony bank sent a mastercard out to me, and transferred the XXXX balance onto it without my permission. I informed them I did not want it, but they insisted that it has to be that way. I don't understand how someone can issue a card without permission, and I don't want it. I just want to pay on my XXXX charge, not a XXXX XXXX  XXXX XXXX ' by Synchrony.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. I found that under section 605b ( a ) Equifax and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : XXXX  and XXXX XXXX Date Opened : XX/XX/2016 Balance : XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 1618 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Synovus Bank (CA)

XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.
Consumer complaint received 2020-05-13
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. (NJ)

TRANSUNION CREDIT REPORTING REQUESTING TRANSUNION TO REMOVE 4 NEGATIVE REPORTING ACCOUNTS FROM MY TRANSUNION CREDIT FILE : DUE TO THE NATIONAL EMERGENCY AND PANDEMIC, I HAVE NO ABILITY TO PAY THE FOLLOWING 4 ACCOUNTS LISTED BELOW AND AM ASKING THEM TO BE DELETED AT ONCE. THESE 4 ACCOUNTS ARE : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX