davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (TX)

to whom this may concern, accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I signed up with Coinbase with a debit card. They verified my account instantly and pitched the Bitcoin I requested. 12 hours later my account was compromised. The warning sent by email that my password had been changed suggested that I lock my account and reset after validating my identity. However they will not verify my identity and have permanently locked me out of my account. The customer service is non existent and automated with a computerized faq but no actual help. They have basically stollen my money and refused to address the issue. I guess its legal to steal so long as you can avoid the person you have stollen from long enough
Consumer complaint received 2020-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I have been trying to have my account unfrozen and have access to {$25.00} in my Venmo account. I have sent them information they have requested and I have asked to speak to a supervisor. At this point, I asked for my account to be closed and mail the balance to me. I would like to ask for damages of {$100.00} also due to the severe inconvenience I have been caused by this delay.
Consumer complaint received 2020-01-12
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. (FL)

Good morning. I was sent to collections by ideal collection services inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX XXXX XXXX son sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working XXXX jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay ideal collection services their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off ideal collection services SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at ideal collection services is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take ideal collection services off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Consumer complaint received 2020-01-12
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. (FL)

Good morning. I was sent to collections by XXXX  XXXX  XXXX  inXXXX due to an outstanding debt I had with my abusive ex husband that I now finally divorced in XX/XX/XXXX but left in XXXX and had to move out of our old place which was moldy and made our XXXX year old son  sick so I took him out of there and had a lot of stuff going on those years which by the way made me a stronger person and came out of it even stronger then when I came in the relationship so I thank God for that .... however after I was sent to collections I was in the middle of a nasty divorce with my ex, my sons custody battle, working 3 jobs etc and it was very difficult trying to pay all my bills. I was not able to divorce my ex and get the paperwork finalized until XX/XX/XXXX at which time I had to finally take out a loan through XXXX XXXX XXXX to take my name off my credit report And pay XXXX   XXXX  XXXX their Monies to be able to get housing in XXXX Colorado as I am trying to relocate to be closer to my father. I went through my report with a fine toothed comb and tried to pay off ANYTHING THAT MIGHT potentially hurt me with my score or to try to get anything to boost my score up.. so I paid off XXXX  XXXX  XXXX  SEE ATTACHED LETTER ... I have tried to get them off my credit report now since XXXX and they will NOT EVEN TALK to me and wont get this negative report off my account after numerous calls and 1 dispute to all credit bureaus was all I was allowed and they never even did anything with them. The girl that works at XXXX  XXXX  XXXX  is quite harsh and not too kind as she wont budge and be compassionate with me and understand what I am going through to finally take this off my credit report as it was paid. I was able to finally take out a loan to pay them in full but monthly to XXXX XXXX to get this off even though the interest rate is atrocious but whatever I paid off my debt but its STILL hurting me as people who check my credit can still see this negativity in my report and I am begging you to please get them to take XXXX  XXXX  XXXX  off my report. I had 2 other accounts in collections which was paid off and they removed my accounts. Please I am begging you to help me remove this collection account off my credit please let me know as I pray everyday to get this resolved so I can move forward in my life and be able to get a place to live in XXXX to be closer to my family. Thank you so much for your time
Consumer complaint received 2020-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (SC)

My loan comes with unemployment insurance, which for the first time in my life I needed to file as of XX/XX/2019. I called the branch to get help with filing a claim to ensure my loan payments are kept up. The loan was based off of my pay which has drastically changed with unemployment. I was transferred to XXXX who works in the branch where I got my loan after the girl who answered the phone did not know how to help me. XXXX was not helpful and gave me no instructions on what to do. After I spoke with him he actually called my phone back and left a bullying voicemail message. I called the corporate office and explained this to the lady, who said she would have the district manager reachout. To date that has not happened.
Consumer complaint received 2020-01-12
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. (OK)

the information being reported on Transunion for the account under XXXX XXXX is inaccurate, under the remarks they have it as a deed in lieu, there was never a deed in lieu, XXXX XXXX bought the property back, I have the email from them were they show the don't have a deed in lieu, and the miss payments are wrong as well. there is no money owed on this account and there was only 2 missed payments before they bought it back, and have resold the property for {$34000.00}. they are require to show proof if requested by consumer, XXXX needs to show a signed deed in lieu document, which needs to have three signatures and be notarized stamp and signature, please forward all documents provided to Transunion by XXXX XXXX.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Lexisnexis has been listed as the furnisher of public record information for XXXX, XXXX, and XXXX. I have provided recently a court signed document expungement of bankruptcy case XXXX filed on XX/XX/2019. This was a human error that wasn't created as a new filibg. The document state that error. I emailed Lexisnexis the document included their case information on the email, and had previously in the same disputed request have provided Lexisnexis with a copy of my drivers license, mail address. Yet, Lexisnexis, XXXX, XXXX  and XXXX   are not removing this erred bankruptcy case. I have provided all 3 reporting agencies with my driver 's license and mailing address via dispute and through Cfbp complaints filed through out XX/XX/2019. I want this corrected on my credit report. It is causing great distress.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3 . The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (KS)

Goldman Sachs is REFUSING TO PROVIDE ME MY ACCOUNT NUMBER by any verified method. Goldman Sachs demands I gain this info on this closed account by a cell number and cell phone on a wallet app I no longer have. This refusal is not only anti-consumer it is anti-business. Goldman Sachs doesn't want to get paid if it doesn't provide the information necessary to conduct a balance transfer.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

am a victim of idenity theft, my information was exposed due to a data breach from XXXX, please remove these fraudulent transactions and credit card accounts from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. please remove the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove inquires and all fraudulent accounts from my report. PLEASE REMOVE THE FOLLIWNG ADDRESSESXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
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 company is refusing to remove inquiries I did NOT authorize. Although I may have accounts with some of these companies I did NOT authorize inquiries on the dates that are shown on my report.
Consumer complaint received 2020-01-12
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: Experian Information Solutions Inc. (TX)

These accounts are fraudulent accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX   {$110.00}
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX  XXXX Credit Card accounts were paid in full to Midland Funding and XXXX XXXX and I never received a payoff letter to report to the IRS for either account. This is a violation of federal tax laws.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (GA)

Saw an inquiry on my account for Syncb/Paypal that I did not make. Promptly called all reporting agencies for credit freeze. Called Synchrony Bank/Paypal Credit in XX/XX/XXXX and they confirmed it was a fraudulent inquiry and that they will have the inquiry removed. 90 days passed and the inquiry is still on credit file. I called again and was told relatively quickly that it is confirmed fraudulent and they would have the inquiry removed. It is now XX/XX/XXXX and the inquiry still remains on the account. I have applied for credit recently and got denied. This invalid reporting may have played part in that. I have called XXXX and was informed the company has to report it removed or for me to have a police report made and faxed over
Consumer complaint received 2020-01-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (PA)

My monthly payment with Sallie Mae is {$1100.00} with an interest rate of 9.625 %, down from 10.75 %. My interest rate used to be 4 %. Sallie Mae refuses to lower the monthly payment even though I clearly can not pay this much because I'm behind 2 months. Sallie Mae is requiring me to ruin my credit score before they will consider helping me. I was told I have to be at least 3 months late to be considered for a reduced interest rate. I am going to be homeless within the next few months because of Sallie Mae 's predatory loan tactics. I live in the richest country in the world yet I can't afford to eat because I am a slave to student loans. On top of that, my family members are receiving several calls per day from Sallie Mae. I want them to stop harassing my family. Please help me.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC (MO)

XX/XX/2023 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IA XXXX XXXX collecting for XXXX XXXX XXXX XXXX who was collecting for XXXX XXXX I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.
Consumer complaint received 2020-01-12
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. (TX)

These accounts are fraudulent accounts : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX scorerewards {$0.00} XXXX XXXX XXXX   {$110.00}
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (WI)

synchrony bank is reported on my credit reports on XX/XX/2019 and account for {$580.00}. I have contacted this company and explained to them that this account does not belong to me and I asked company to send me a contract stating with my social security and other identifiers and the company synchrony bank has not responded with any proof that this is my account. This account does not belong to me and the company has been notified of this several times. Hope you can help with this. Thank you
Consumer complaint received 2020-01-09
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 am filing this complaint because I was made aware of some accounts on my credit report that do not belong to me. The way I found out is that I got my credit ran by a loan company when I applied for a personal loan. I had no idea that these accounts were on my credit before today XX/XX/20. I did not open any of these accounts nor did I give anyone permission to open them in my name. I made some calls and I found out that these accounts were opened by a person named XXXX XXXX XXXX. I have no idea who that is nor why they opened these accounts in my name without my permission. I never made any purchases or payments towards any of these accounts nor did I benefit anything from these accounts such as money, services, goods or any other benefit.
Consumer complaint received 2020-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

A new mortgage company has taken over our loan, but we can't contact them. They don't answer their phone nor return emails. They raised our mortgage payment up even thought we are in a fixed rate. But they are doing things without contacting us but only by mail but the don't answer any questions or concerns. We paid 3 mouths in advanced to make sure anything fishy could happen. They are not even acknowledging we made those payments. Its nerve racking and disturbing. Please help us.