davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NC)

In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX  for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX   aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX  without my consent. The XXXX XXXX XXXX XXXX   did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX  and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX  stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX  aloud XXXX XXXX XXXX  to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX   was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX  that was turned in due to XXXX XXXX XXXX   's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX  that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX  was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc. (TX)

Rozlin Financial Group is attempting to collect a business debt and has placed the amount on my personal credit report. 

The debt was also illegally obtained without a written notice of the debt. 

XXXX  has illegally shared my information with Rozlin Financial Group and has refused to own up to breaching the contract with XXXX XXXX.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I sold a house and mortgage was paid off with Wells Fargo on XX/XX/19. Escrow was to be dispersed on XX/XX/19. It was never received. They tried to ACH to me but sent to someone else and now are refusing to give me my escrow money. There was {$2000.00} in escrow account at closing. They continually lie, won't contact me, send me to different departments but still after 2 1/2 months don't have my escrow money with no sign of receiving in the near future.
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion keeps claiming I have an open dispute every time I request a free copy of my credit report and refusing to furnish a copy on these grounds.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MA)

I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX. 

We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise. 

XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ). 

As a consumer, the charge is now impacting my credit score and I would like to rectify the situation. 

Thank you in advance.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

I am receiving text messages stating " CareCredit Rewards MC courtesy reminder. Make payment. carecredit.com/Mastercard  XXXX FreeMsg : Synchrony Bank. To opt out reply STOP '' I do not have a CareCredit Mastercard. I have an old Synchrony card which has not been used in 2 years. I am afraid someone has gotten a fraudulent card in my name. The only way to get info from them is to give them my Social Security number, which I will not do. What do I do?
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hillcrest Davidson & Associates (CA)

On XX/XX/XXXX i was contacted by Hillcrest, Davidson & Associates, LLC they stated there was a civil lawsuit against me with XXXX XXXX XXXX  for XXXX dollars. I explained to Hillcrest, Davidson & Associates, LLC that my account with XXXX  XXXX  was personally closed back in XXXX and at that time had a XXXX  balance. the women I was speaking with from Hillcrest, Davidson & Associates, LLC stated she would give me 24 hours to find documentation stating this if I could not then she would retract my file and pursue the lawsuit. Looking into this matter I was never contacted by XXXX XXXX  stating I owed money via mail or email. the woman called me back the next day asking i fid out documents. I let her know that I was never contacted and I felt like this was false and I asked for further information about Hillcrest, Davidson & Associates, LLC and who they were. she stated she did not have to provide any information and hung up on me. today XX/XX/XXXX I personally called XXXX  XXXX XXXX. The bank told me that I do not Owe XXXX dollars. I do owe XXXX dollars in fines but no action has been taken against me. They told me to go to a branch manager and have the fees waived. I then called Hillcrest, Davidson & Associates, LLC back today XX/XX/XXXX to let them know this and the lady became angry with me and stated " well get thrown in jail i dont know why your calling me back if you know so much '' then hung up on me.
Consumer complaint received 2018-12-05
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. (FL)

Filed a dispute - and now cant get back on system. Every time I call, either hold for hours and hours ( and then get cut off ) or they tell me system is not working. It dropped my credit score 50 points and I cant get a resolution. I am shopping for a car and can't move forward
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a phone call from my mother stating that a process server was trying to serve me with a summons and complaint to her home in XXXX XXXX, MI. I have lived in XXXX, GA for the past 15 years. When I called Midland the representative advised me that he could have no more contact with me because they were not licensed to practice debt collection in the state of GA. I asked him what would happen with the summons and complaint and he said it would be dismissed. I asked for that in writing and he advised me that he could not send any mail or email to me because I was in GA. That was on XX/XX/2019. Today I spoke with the 10th district court in XXXX XXXX MI and the clerk advised that no order for dismissal had been received to date. 

I feel as if Midland purposely filed paperwork in the wrong state because they are not licensed to collect debts in GA.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2018 we had fraud on our debit card. It was compromised for {$590.00}. Chase bank said we are liars and there is no way our account could have been compromised. The charge occurred 35 miles away on the other side of town. We were in bed at the time. We filed 2 police reports. Sent footage of charges being made by someone else. They said we could have let someone else use our card. Our account has been negative ever since.
Consumer complaint received 2018-12-05
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XX/XX/XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

We refinanced our home and XXXX XXXX XXXX became our mortgage company. I made a payment to them on XX/XX/2020. I them received notice that Mr. Cooper was our new mortgage company. I started receiving emails and phone calls that my payment was never received! I made the payment to XXXX XXXX XXXX and they were going to transfer the money toMr. Cooper. I keep getting phones calls and messages that my account is past due! I have made all my paymentsandkeep getting harassing phone calls and emails
Consumer complaint received 2020-01-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Submitted disputes numerous times with Transunion to delete inaccurate/false information on my credit report. I am very upset that you have included the below information in my credit report due to its damaging effects on my credit standing. As you are no doubt aware, credit reporting laws require bureaus to report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing, and has negatively impacted my life. 

The following information therefore needs to be deleted from the report as soon as possible : XXXX XXXX, acct. XXXX. I have no knowledge of this fraudulent entry on my credit report. I have no accounts with the account numbers reported. I opened no accounts on the dates referenced. I have had no communication in any way, EVER, from the reporting agencies. The above information needs to be deleted as quickly as possible and confirm these deletions within 30 days. If these fraudulent accounts are not permanently deleted, and/or if you are unable to verify and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations, the FDCPA for violations of FACTA and the FCRA, I will also file a complaint with other appropriate State and Federal authorities. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I applied for the temporary PSLF waiver program in XXXX through Mohela. They still refuse to process my application, erroneously throwing out statements like they didn't receive all pages of my PSLF forms ( to which I sent in again and then they canceled saying it was a duplicate in XXXX ), or they can't verify my employer is a government agency ( despite it ending with a .gov address, having my employer signed PSLF form, and me sending in a copy from the federal aid website verifying the EIN is a qualifying employer in XXXX, to receive another letter in XXXX stating they can't verify the EIN and they understand I can't obtain verification of my employment. ) All these erroneous statements keep them postponing my availability to obtain credit for my work in the federal government of close to 20 years now, which I should have credit for towards my student loans. I also requested a prior history from Mohela of all my past student loan payments from prior servicers before my loans were transferred and they refused at first to provide it, and when I requested it again, they only provided a partial listing showing back to XXXX. I have been in repayment since XXXX.
Consumer complaint received 2022-05-04
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. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXXXXXX  Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2018-12-05
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. (GA)

XX/XX/2018 I contacted Equifax via Certified Mail in efforts to resolve inaccuracies on my credit profile. Majority of the accounts that were disputed are still on my credit profile. These are fraudulent accounts. I requested that the agency validate the accounts and furnish the data to me that validated that the accounts are indeed mines. 

The company failed to furnish data validating that the accounts were mines, and the disputes were submitted beyond 30 days ago.
Consumer complaint received 2018-12-05
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. (FL)

My name is XXXX and I have been fighting several medical collections listed on my credit file that I don't believe are mine. They are listing dates of service from this year, last year and in 2016. I haven't been to any type of medical facility in over 3 years. I have disputed with the bureaus to no avail. I don't know where else to turn.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX  XXXX. Unauthorized inquiry. No car purchased.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

The bank in question is XXXX XXXX XXXX. I requested transfer of funds via ACH transfer in the amount of $ XXXX and change and that the account be closed at ~XXXX XXXX PDT on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX a bank rep called me to " verify '' information ( I had already done this on Friday ). On Tuesday, XX/XX/XXXX at XXXX XXXX PDT, the money had still not reached the external transfer-to account. I called Goldman Sachs and they said to expect the funds to appear in " ANOTHER 1-3 business days. '' These funds were invested in a savings account, which are DEMAND DEPOSITS! I understand the float game and we both know an electronic transfer should occur within seconds. I believe XXXX XXXX XXXX is deliberately delaying money transfers for as long as possible, or maybe even longer, to glom onto " the float, '' at the expense of the owners of the funds, of course. 

I suspect this is a generic problem with Goldman Sachs and needs to be the basis of an enforcement action. Contact me directly for more details.