davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (WA)

I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX  return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.
Consumer complaint received 2019-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Good afternoon, I am writing to you today as what feels to me to be one of my final options in terms of the situation I have put myself in with student debt. The long and the short of it is that I currently hold three different set of loans ( Private : Sallie Mae, XXXX ) ( Federal : Navient ). Each loan having a sum of {$50000.00} or more. As you could imagine my monthly payments are of unreasonable proportions. My student debt accounts for almost 70 % of my monthly income which leaves a disproportionate 30 % for all other expenses. In recently doing my finances I have discovered that I actually lose on average {$100.00} a month from any saving due to the amount of money I lose to loans a month ( approx. {$1600.00} a month just in student loans! ) I find myself writing because I truly feel a decline in my quality of life and the stress has actually worsened even though my salary has increased periodically since graduating three years ago. Being put in situations where if my job does not pay me on time results in me missing a monthly loan payment is the hardest thing to cope with at the present time. I have quite frankly given up calling the the private lenders because the conversations end with one answer " There is nothing we can do, you already pay the minimum amount. '' I apologize for the long winded explanation but I have attempted to consolidate and constantly am denied, I assume because of the ridiculous amount I owe. I took out these loans at a time where my judgment was clouded by the fact that the only way to receive a decent education and struggle with issues on a more personal level in terms of getting the opportunity to move out of a broken home, I can see now why I took the only option given to me which was taking out student loans without understanding these consequences at all. 

Needless to say I am not coming up with excuses in any way. I have honestly just completely lost home in a decent quality of life and come to terms that my daily actions are constantly determined by the burden of my student loans. I have never defaulted on any of the payments and have made repayment my sole motivator to stay employed and earn an decent wage. I reach out to you to begin a dialogue as to how I can address the issues I am in and how I can move forward to get some form of assistance.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TN)

On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Equifax 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 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NH)

Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : Dynamic Recovery Solutions LLC ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have paid this company thousands to get out of a lease that terminated in XXXX. They are trying to make us pay XXXX more dollars- some of this is stating that it includes a carpet that is XXXX XXXX XXXX but in the lease, we signed only XXXX XXXX per charge on the damaged spot. On the bill, it states that the carpet is XXXX months old - if the rug was XXXX months old in XXXX ( the date they wrote this ), this means that someone would have broken into the apartment to place the carpet without our consent of entering because we were living there in XXXX of XXXX. This company is known for charging everyone for " destroying '' their carpets. '' They are also asking us to pay a termination fee of which we spent our part already- XXXX There are already tenants replaced in the apartment- why are they asking us to pay for them? There should only be a XXXX $ negative balance on the bill, and they are now trying to charge us XXXX $ more when we moved out in XXXX!!!!! -- -- If no tenants were replaced, we should only owe XXXX XXXX If NO tenants were replaced, and in fact, we did not sign an agreement that we would replace the carpet, which we did NOT. The company should ow us XXXX XXXX They need to leave us alone and quit harassing us for money. We moved out of this apartment early because the living conditions were unimaginable, with XXXX XXXX everywhere in the yards not being picked up and the workers and maintenance men sneaking in at night using the trash bins for their personal trash, which I have on camera.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.
Consumer complaint received 2019-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

The application online for an income driven payment plan is wrong. When you call they give you different information ... .then send you things like this that are wrong ... 
How to Apply Online - New Applicants To expedite the process, we recommend applying online : Log in to StudentLoans.gov.

Select " Apply/Re-Certify/Change an Income-Driven Repayment Plan. '' Choose the button that reads, " Start Application. '' Follow the instructions online to complete your application. 
You can select the option within the application to securely retrieve your most recent tax return information from the IRS online, which may expedite our review of your application. 
Electronically sign the application. 

This doesn't work and the customer service people tell you that. They also tell you confusing things that also dont work. I'm having to send things through snail mail ... in XX/XX/2019. XXXX????
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my right. 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 2022-08-10
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: CITIBANK, N.A. (VA)

I over paid my Macy 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management is attempting to circumvent Fair Debt Collection Act by : 1. ) Claiming they provided validation ( that was requested by me ) but the letter was " undeliverable '' despite all other mail being delivered - and despite offering no proof of this undelivered mail. 

2. ) Their " collections rep '' stated upon being asked by me ( and documented ) : " I want to talk to an attorney '' the rep replied " Yes, you can talk to me. '' Clearly this is representing they are an attorney and in fact are not - then going on to demand personal banking information. 

In my last complaint Midland attempted to sidestep a proper reply by claiming that it is a general line and mail wasn't delivered - both further bad faith attempts to cover violations of the Fair Debt Collections Act. 

I would like them to properly answer the statements with proof and show no more bad faith.
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-10
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. (AR)

Transunion and XXXX both have posted on my credit reports that companies XXXX, XXXX, XXXX XXXX XXXX XXXX have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since XXXX I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

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 permitted by FEDERAL and STATE LAW to file this dispute. 
I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. 
Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CA)

Hi, I opened an account with Kraken.com a few days ago. After they verified my account through my ID, I was told that my account is good to go for making a deposit and exchanging cryptocurrency. I was told that I can withdraw my money after 3 days of the first ACH transfer. First, I made a small deposit of {$50.00} to make sure it is safe and reliable. Once I realized it is safe, then I made another deposit of {$1000.00}. Now, that I want to withdraw my money, they have put a hold on my account and suspended my transactions. They are asking for ridiculous documents such as writing a note and taking a selfie with that. They should have let me know before if they are going to hold my money for no reason, and didn't let me make a deposit. They don't release my money despite of contacting them multiple times. I need help from you to get back my money from these scammers.
Consumer complaint received 2019-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (TX)

We have a home equity loan with lender XXXX XXXX. The company closed doors and we contacted a lawyer to pursue this company and found out they closed doors and no longer in business. All payments were seized and never heard from XXXX and all correspondence stopped and on line account access locked. Statue of limitations were reached. And now to our surprise the loan was sold multiple times. And we have sent letters to each of these new debt collectors asking for proof of original copies of loan and terms and real time payment made to loan so we can see the real time date and amount and transaction payor id so we can determine the information is in deed accurate, true and just so we can identify if statue of limitations has been meet. No one can provide that info. the loan is know in the hands of Shellpoint who has numerous complaints of Racketeering and unfair debt collection practices for mortgage loans that have unfair subprime terms.
Consumer complaint received 2022-08-10
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. (AR)

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, transunion, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to transuion, XXXX and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX  # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Consumer complaint received 2022-08-10
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. (NC)

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (NC)

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX