davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

randomly ran my credit and found it had dropped almost 100pts which I could not figure out since it's been in the 800s for years. apparently, it is due to a late payment reported by SYNCB/JC Penney which was NOT actually late. In reviewing, I also saw they reported one inXX/XX/XXXX. I called and NEITHER were ever actually 30 days late. In fact, theXX/XX/XXXX one wasn't even 1 day late. 
I spoke with someone who had no case # or file # to reference but did say they submitted a correction to the credit bureaus. 

I have no way of knowing this and do not trust them at all at this point. in fact, I had cancelled my card last month because I can never get a statement from them and keep getting hit with late fees for payments I do not even realize are due. 

I'm a bit horrified that a store credit card can be reported to the bureaus with zero proof and cause a persons credit score to drop by this much. It hardly seems fair or honest. 

How do I find out if these are corrected? And how do I make sure they do not do something like this again to myself or others.
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Herbert P. Sears Co., Inc. (AZ)

Just recently I had the opportunity to retrieved a copy of my credit and a consolidated credit search was conducted and as a results there was rrightigjt away identifing what debt I hadhad and were actual mine. One of the account from the list is unfamiliar and I have no recollection of this HERBERT P SEARS CO for XXXX. I believe this is not a debt that I have owned or recollect. I should have received calls, or mail. I have contacted all accounts of debtdebt and have set up arrangement s, and payments.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NV)

Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
Consumer complaint received 2021-05-06
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. (CA)

XXXX ACT # XXXX XXXXREPORTED 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Consumer complaint received 2021-05-06
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. (CA)

XXXX ACT # XXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Consumer complaint received 2021-05-06
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)

XXXX ACT # XXXX XXXXREPORTED 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I've made repeated requests for this agency to validate this alleged debt and each time they fail to respond and/or send fictitious, made up documentation. Also, they make repeated calls to my personal phone, business phone, home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
Consumer complaint received 2019-12-04
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. (SC)

Equifax is reporting an XXXX XXXX  # XXXX on our credit reports that one was closed and paid in XXXX of XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

on XXXX i sent an Estoppel by silence letter to Wells Fargo. to this day they failed to removed the alleged debt. I am seeking monetary damages for violations. Under 15 U.S code 1681b permissible purposes of consumer reports, I never gave Wells Fargo any written consent to report anything on my consumer report. No consent is identity theft. As a consumer by law this account must be deleted immediately. thanks!
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX XXXX County told me that they do not verify that information. 
XXXXXXXXXXXX
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021, Company called to lower my interest rate on my credit card through financial institution. Transferred me to major Credit card issuing company. Did not asked to verify my information, stated they could lower my interest rate to 6 % because I was a good consumer. I asked which of my various credit cards have the largest balance. Gave lowest balance. They gave just enough verifying information to seem authentic, verified some personal information with them, then verbalize that I was no longer comfortable.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (NY)

Robo call requesting that I navigate to XXXX  due to my collections balance. Nondescript for what the balance is or what the company represents. They identified themselves as " F.C.R. Services ''.
Consumer complaint received 2021-05-06
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. (NC)

XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX Mortgage Reporters  XX/XX/XXXX Experian XXXX XXXX  XXXXXXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Real Estate, Sales and Rentals XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (GA)

XXXX # XXXX - I trying to update my email address to a new email My account was deactivated Tuesday XX/XX/2021 at XXXX XXXX Coinbase support hasn't been too helpful. I get the message Sorry, account temporarily disabled. Please contact support. I've been without access to my account and funds since Tuesday XX/XX/2021. I have provided an e-mail below is the last message I received from Coinbase. 

From : Coinbase Support <help@coinbase.com> Date : Tue, XX/XX/2021 at XXXX XXXX  Subject : [ Reply ] Case # XXXX - I trying to update my email address to a new email To : XXXX XXXX Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref
Consumer complaint received 2021-05-06
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: ALLY FINANCIAL INC. (FL)

On XX/XX/2017 date I former boyfriend XXXX XXXX and I purchased a vehicle through Ally financial. As our relationship separated I took my XXXX  to court for XXXX matters. While we were in court, I asked the judge to force XXXX to remove my name from the loan as XXXX has been deliberately making late payments in an effort to destroy my credit, and the judge granted a court order XXXX attached ) for XXXX XXXX to keep possession of the vehicle and remove my name from the loan, title and registration. 
XXXX XXXX has violated a court order and continues to destroy my credit through making late payments, which is another violation of his court order considered indirect harassment. 
Ally financial has ignored my requests on several temps to rectify this situation and continues to report XXXX XXXX derogatory late payments on my credit report, even though a court order is in place. I have written letters explaining the situation and they go ignored and the only number I can contact Ally Financial through is the collections department and nothing is getting achieved.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (CA)

On Thursday, XX/XX/2021 I sent money to someone using XXXX. This person had sent me pictures of a kitten, signed a sales contract and was ready to deliver this kitten. Once delivery day approached I got a bit nervous as I hadn't heard from this person. The total amount was {$950.00}. I immediately contacted my bank and they said there was nothing they could do as this money was already sent to the person. I found this very hard to believe. How can a scammer continue getting away with this if the bank won't fix the problem? 

The bank is PNC Bank.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. I am here because I have no where else to go. I had been approached for unemployment benefits with benefits starting XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to reciprocate my edd card from Bank of America. I had unemployment benefits within the last three years but am no longer in possession of my old card. After realizing that is where my initial deposits will be going contacted Bank of America to replace it with a new card which I was told was going to arrive 7-10 business days. Two weeks passed and nothing in the mail so repeated this after verifying my address which was accurately reflected on my account. I called again today after yet again no sign of card though I was informed it was mailed XX/XX/2020. The agent informed me Bank if America made an error in doing a standard shipment instead of express apparently. Granted 15 days is over either limit while I have been wrecked financially charging up credit and damaging hard earned credit. I asked to speak to supervisor but the agent refused saying they Re not  'trained to do that ', essentially refused to assist me any further besides repeatedly telling I can get yet another card issued. I made repeated calls only to be told to hold while being bounced around with no resolution, adding to distress in top of existing emotional trauma caused by having to continue to wait for payment approved back in XXXX and this is XX/XX/XXXX. One of the last agents I spoke to informed me I should be getting a call back in half hour at the most to resolve the issue and I waited over an hour with no call. I called back again and once agony I am being told to hold again and again while being told ' I am waiting for a resolution ' by the agent just like all of them and finally gave up and decided to fike this complaint in addition to seeking legal advice on how to proceed to see and convince these institution to show any kind of regard to human suffering. I am quite certain I am only one of  many left in this limbo and unspeakable distress and lack of sleep through no fault of our own and intend to reach out to all affected nationally to address the indefensible BREACH of duty Bank of America seems perfectly OK with with respect to folks suffering from unemployment while I am sure assessing the government and thus taxpayers fund fir service they are not devoted to providing. Please help!
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows no company name with account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.
Consumer complaint received 2021-05-06
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: SCA Collections, Inc. (NC)

I have reviewed a copy of my credit report and I show company SCA COLLECT  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-06
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. (VA)

I contacted Equifax on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXXXXXX  ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2021-05-06
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. (NC)

I have received a copy of my credit report and it shows company CREDIT COLL ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.