davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (LA)

I was sued judicially by Nationstar/Mr. Cooper. They never served me a copy of the summons and complaint, so I had no idea of anything. When I moved to vacate the default judgment, the court did not even look at it, as I would have likely settled the matter in mediation given the minute amount of past due, I was never given that chance and did not want to file for bankruptcy, so they sold the property for far less than the market value despite never serving me with anything. My tenant is going to leave, and now, because they didn't even look at the motion, not to mention I was in a trial modification, I lost my home.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

I bought XXXX iPhones from the XXXX XXXX XXXX XXXX XXXX for {$2000.00} I was charged for this purchase TWICE - equal to XXXX iPhones on my Apple Card. 
The Apple Card credit card was offered thru Goldman Sachs. 
The payment for the first XXXX iPhones I bought was paid on XX/XX/2022 from my checking account. 
An illegal charge for the same amount was deducted from my checking account again on XX/XX/2022. 
Attempts have been made to contact both the XXXX XXXX XXXX XXXXXXXX store and Goldman Sachs ; but they just transferred me around - trying to avoid responsibility. 
XXXX chat case : XXXX. 
XXXX order : XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$1600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX on XX/XX/XXXX and filed a dispute with them. No additional information could be provided. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have two other Synchrony accounts in my name that I am in good standing with. One of which was also opened in XXXX and the second was opened in XXXX.
Consumer complaint received 2022-05-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

I received the loan in my bank account on XX/XX/19 and paid it in full on XX/XX/19. The took a payment of {$260.00} on XX/XX/19. None of this payment went towards the principal. They do not explain their loans with transparency. When you log into your account online there is no information about your loan, balance or payoff. I borrowed {$1000.00} and in 3 weeks I paid it off. It cost me {$1300.00} to pay it off. Yes. You read it right. In 3 weeks they said {$380.00} had accrued in interest charges. They said I would receive a paid in full letter via email immediately after my payment. I never received it.
Consumer complaint received 2022-10-06
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Equifax have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Equifax is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In 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 : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXX I received a letter from AWA COLLECTIONS requesting payment for an account they have no right to collect on. I sent a certified letter on XX/XX/XXXX asking for validation of the debt ( pursuant to Fair Debt Collection Practices Act, 15 USC 1692g section 809 ( b ) ), they did not provide the validation information. On XX/XX/XXXX they reported the same account to XXXX  as delinquent. They need to remove from my credit report as they did not provide me with a sign agreement that shows I agreed to pay this debt to them back in XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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 2022-10-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (UT)

I believe I am an " Affected Consumer '' as described in the Consent Order in CFPB File Number XXXX - In the Matter of Cottonwood Financial Ltd. XXXX XXXX Cash Store. In short, I obtained a loan from the Cash Store in 2018 and was making payments, but without notice the Cash Store closed its store where I was making payments, and did not provide any notice of the closing of the store or where to make my payments after the store closed. I was willing and able to make payments but did not know where I should make payments, and as I said, did not receive any notice of the closing of the store or where to continue making payments. A few years go by without any notice from the Cash Store, then suddenly another company, including perhaps XXXX XXXX or its predecessor in interest, begins calling me, my friends, and my family threatening being arrested and a lawsuit. Not once did they indicate what the debt was or to whom it was owed. They just continued to harass me and my family, making threats of being served and going to jail. When making calls to my friends and family, the company disclosed of my alleged delinquent debt. 
Then, as of XXXX of this year, I was sued by XXXX XXXX, a case still pending. I believe I have a claim against XXXX XXXX or its predecessor in interest for the above unfair collection practices. As described in the XXXX XXXX of the above XXXX XXXX. XXXX, I believe my current case is a " XXXX XXXX XXXX '' because it's based on the same facts as described in the XXXX XXXX.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Today XX/XX/XXXX I received a message about an " Important Business Matter '' from the XXXX XXXX XXXX. Because i was at work at the time and headed to a meeting me intention was to contact them after my meeting was over. before i could, XXXX XXXX ( XXXX ) sent me an email to my job asking me to contact him about an important business matter and that he contacted my payroll department and they were nice enough to provide my company email address. He also quotes a XXXX in payroll gave him the information to contact me. I replied to his email asking him to not contact me at my place of employment and that i would contact him after i was out of meetings of that he could contact me via my personal email or via my home address since i was unaware of what this was pertaining to and have never received information regarding this " business matter '' previous to his call. He then replied to my email 2 times after stating that he could not contact me via my personal email to discuss this and that he would be contacting my payroll department again to have assistance with this information regarding me. He then sent an additional email apologizing for contacting yet again. to which i replied i would be forwarding this information to my attorney.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (IL)

I dont know who live at XXXX I NEVER STAYED IN XXXX  XXXX IN MY LIFE! I SPOKE WITH MANAGEMENT AND TOLD THEM I WOULD BE LIVING THE PROPERTY ( SPOKE WITH XXXX LADY AND XXXX GENTLEMEN ) THEY TOLD ME IT WAS OK TO LIVE THE PROPERTY AS LONG AS I GAVE WRITTEN STATEMENT OF SUCH.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme dissatisfaction and outrage upon discovering a fraudulent account listed on my credit report. It has come to my attention that an account that I have no association with has been inaccurately added to my credit history, tarnishing my financial reputation and causing me undue stress and inconvenience. XXXX. XXXX XXXX XXXX and Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2019-01-24
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. (MO)

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}
Consumer complaint received 2017-07-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NC)

There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WI)

In XX/XX/XXXX I made arrangements with XXXX XXXX to take out XXXX dollars monthly from my account by electronic check until the debt of XXXX was paid off. They were to be 9 checks of XXXX with the last payment of XXXX to be the last paymentmade in XX/XX/XXXX. There was audio recorded of my conversation with the representative which they have not provided. They have only provided me with the account statement. No proof of the payments that o have made. They said they had only received the first payment and last payment. Below I have provided proof that the checks and money were being taken out my account. XXXX has since sold this info to XXXX XXXX XXXX  and now they are harassing me.
Consumer complaint received 2022-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Because I had previously disputed XXXX XXXX Servicing a close account which is reporting 5 times 30 days late. One in 2019 and others in prior years. The credit report agencies will not allow me to dispute the 30 days late payments on the close accounts. I'm unable to apply for a new mortgage until this information is updated on my credit report reflect a timely payment history with no negative information. 

I have made all of my payments in a timely manner. 

I also tried to contact XXXX XXXX XXXX and was unsuccessful since this is a close account.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

Diversified consultants is reporting a collection account to all three credit reporting agencies. I have never had an account with diversified consultants. In the notes for the account it says that I had an account with XXXX. I do not owe XXXX or diversified consultants anything. I have not had any service with XXXX since XX/XX/XXXX. Diversified Consultants in reporting the debt is as new as XX/XX/XXXX, which is wildly inaccurate for two reasons : I do not owe XXXX or Diversified Consultants any money and I have not had an account with XXXX for almost a decade. This seems like a shady practice to collect debts that are not owed.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flagstar Bank, N.A. (IN)

The debt collector is trying to collect a {$180.00} fee that I do not owe. Flagstar bank automatically opened an account in my name after they purchased XXXX XXXX. I have never used the account or gave permission to flagstar to open a checking account in my name. I do not live anywhere close to a flagstar branch so there would be no reason for me to have an account with them. I contacted flagstar and was told this has happened to several customers and that it was out of their hands since it had been sent to a debt collector.
Consumer complaint received 2019-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IA)

I've contacted synchrony Bank numerous times before they sold this account to portfolio recovery. I also disputed through XXXX XXXX and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.
Consumer complaint received 2017-07-21
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: CITIBANK, N.A. (NY)

This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-26
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. (HI)

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX  I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you