davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

I tried to transfer funds from my savings account in the amount of {$20000.00} and the transaction was automatically reversed by them. I called them and they claimed that the funds couldn't be transferred to that account since I had not previously transferred funds to that account, even though the account at XXXX XXXX bank is an account managed by me as majority owner in the business for that account. They insisted that I couldn't transfer these funds because Marcus policy wouldn't allow it and that I could only transfer to the primary used checking account. This critically affected my ability to make business payments and is holding my money hostage for no reason.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (IL)

I received a letter from Pro Collect regarding an apartment that was rented in XXXXXXXX XXXX using my information. I have never been to XXXX, nor would I rent an apartment there as I own my home in Illinois. This is yet another incident of someone using my information to rent an apartment in XXXX. I thought all this was cleared up two years ago. I have sent the police report and a copy of my driver 's license to Pro Collect. The amount is {$3100.00}. The person lived at this XXXX XXXX from XXXX XXXX until he/she was evicted in XX/XX/XXXX. 
Please help.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercury Financial Intermediate LLC (FL)

Created by : XXXXXXXX XXXX XXXX XXXX XXXX XXXXrustor , and Secured-party to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without United States VIA CFPB DEBT VALIDATION LETTER XX/XX/year> To : XXXX XXXX Head of Customer Service Dear XXXX XXXX, This letter is being sent to you in response to : Response to your communications I received on XX/XX/year> Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX {$2100.00} XX/XX/2024
Consumer complaint received 2017-05-17
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. (MD)

After signing in to   XXXX   XXXX   for an extended period of time I noticed that they was a public record for a bankruptcy. I have never filed for a bankruptcy ever! I am not sure where they credit bureaus are getting this information but it is incorrect. I sent all  XXXX  bureaus a letter requesting they provide me with documenation used to validate this bacnkrutpcy but they did not they just sent an updated copy of my credit report stating tha the account was verified and updated. At the time indicated on the public record I was not even risiding in the state Maryland so it would virtually impossible to file a bankruptcy.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (NV)

On or around XXXX I received a Principal balance reduction thereby reducing my Principal loan from approx {$440000.00} to approx {$320000.00}. 
On or around XXXX XXXX I became very ill, loss of income and fell into hard times and applied for a loan modification which was granted and I received with terms of a reduced interest rate from 9 % to 2 % and a Principal balance adjustment of approx XXXX XXXX.with a Deferred Principal adjustment ( which I have no idea what that is ) of approx {$170000.00} which reduced my mortgage to even farther to {$200000.00}. I also received documents to confirmed this.

The Prinicipal mortgage balance continued to declined to {$200000.00} up until around XX/XX/XXXX. At which during this same time period a Principle balance adjustment was debt to the my mortgage account of {$170000.00} thereby increasing my mortgage balance to over {$370000.00}.

Because of my illness I paid no attention to these figures until my son brought it to my attention which I immediately called OCWEN and they kept telling me someone would be calling me and offering me another Loan modification. At this time of housing market had started climbing back up OCWEN was checking out the house to determined if they could double their profit on the home thereby reinstating the adjusted principle balance. 

On or around XXXX, still no answer and too sick to argue back and forth and too broke to hire an attorney, Ocwen decided to sell my mortgage to PHH which was finalized in XXXX. 

On or around XXXX I finally got PHH to forward a printout to myself of all my account activities and this is how I was able to confirmed exactly what OCWEN/PHH had did and probably done to others. As soon as the owners starts questioning these types of activities, your loan is suddenly transferred.

My loan is now over {$380000.00} after paying XXXX  years and within XXXX  years a balloon payment of {$170000.00} will become due.
Consumer complaint received 2023-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector XXXX We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account with XXXX, XXXX with account number XXXX that was charged off on XX/XX/XXXX As of XX/XX/XXXX, you owed : {$600.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$600.00} Settlement Offer Available ( for a limited time ) - The current creditor has authorized us to release you from all responsibilities in regard to this debt for {$330.00}. Offer is no longer valid after XX/XX/XXXX. Payment must be received by our office on or before that date for this offer to be valid. 
- To ensure you make the deadline date feel free to call our office to pay over the phone or you can pay on our website at XXXX. In addition, you may print this notice, tear off the bottom payment stub and mail with a check or money order to this office at the address above. 

What we will do for you once you pay the account - Upon clearance of funds the current creditor will be notified with the correct adjustments made to your account records. 
- In the event this office has reported this account to the credit bureaus we will then update your credit records with the proper payment information. 
- There are other payment options available. Contact our office for more information. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Mail this form to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (MA)

Subject : CITICARDS CBNA and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA CITIBANK sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used CITIBANK 's name to report the debt to the three credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the three credit bureaus against CITIBANK CBNA : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting CITIBANK CBNA to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted four departments of CITICARDS CBNA. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that CITIBANK changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching 137 %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called CITICARDS CBNA again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number.

I filed a complaint with CFPB and reported to FTC, requesting CITICARDS CBNA to immediately delete the account from the three credit bureaus.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

FNB processed a fraudulent check in the amount of {$3900.00}. FNB has refused to put the money back in our account due to their error. I immediately notified the bank. I was told an investigation would be started..I was told that I needed to file a police report, which I did. The following day, I attempted to contact the assistant manager as instructed. Her number went into the company directory and there was no individual listed with her name. I was unable to also leave a voicemail. I emailed the assistant manager but received no reply. I've been in the bank several times to speak with individuals regarding this matter and the assistant manager never attempted to engage me in conversation. 

On XX/XX/year> hours provided an affidavit of forgery or alteration and was told that this needed to be signed. I was provided another form which my lawyer advised me not to sign. Since I was unable to return this form for a few weeks I received a letter which was the only written instructions I received from the bank, to return this affidavit or the investigation would be stopped. On XX/XX/year> this affidavit was returned to the bank. However, after I left the bank, the assistant manager notarized this form without my consent and me being present and signing it in front of her. The date on this form was also altered. I filed a complaint with the state notary board and in the process of contacting the local police for criminal prosecution. 

On XX/XX/year> I again presented to the bank and asked about this matter. I was told that I needed to bring in the police report but was never told us. Throughout the whole process I was never provided any written policy, instructions, etc. to indicate how the process worked. On XX/XX/year> I contacted a regional manager and left a message. This message was also unreturned.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On Monday, XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I requested an ACH transfer of {$130000.00} and the closing of my account. At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I was informed that the transfer would be canceled because the bank could not identify the source of {$3000.00} of these funds. I was told that I would only be able to transfer {$120000.00}. I was then transferred to another department at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to proceed with this adjusted transfer. 

At XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the same day, I received a call from the bank stating that they had identified {$6000.00} of the funds but could not determine their origin because the funds had been in my account for less than 90 days. This is perplexing because these funds had been in another bank account for a longer period before being transferred to Marcus for savings. 

Later that night, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the {$130000.00} was returned to my account. Following the bank 's instructions, I initiated a {$6000.00} transfer back to XXXX XXXXXXXX XXXX. However, today, XX/XX/year>, I received a notification that the transfer request was canceled because the account number on file was incorrect. During a three-way call with credit union , my identity and the correct routing number were confirmed. Marcus then informed me that they would need to stop this transaction, which had not yet been processed. I updated the bank with the correct account number. 

While I was waiting for this matter to be resolved today, XX/XX/year>, I received a call from the bank at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding my initial request to close the account. They informed me that the available balance was now {$6000.00} less due to my XXXX transfer. I agreed to this and requested an expedited wire transfer of the remaining {$120000.00}. As of now, however, there has been no movement in either of my accounts, and I was informed that my account is frozen until XX/XX/year>. 

This situation is critical because I need these funds for a down payment deposit on my home. If the bank continues to hold onto my money, I risk losing not only the deposit but also the opportunity to purchase my home. These funds are collective and originated from other financial institutions, so I do not understand why there are verification issues.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my checking account was compromised.. l ; over {$9000.00} was somehow transered from my chase Investment account to my checking account. This is not the first time this has happened.. as of today XX/XX/year> it's now the THIRD time this thievery has happened... 

On the XXXX the theives proceeded to spend {$4000.00} at XXXX XXXX XXXX along {$16.00} cab ride and {$7.00} dollars at XXXX. Also, withdrawing {$3000.00} cash from my account.. 

Chase reimburses me for all the RETAIL, but is holding me responsible for the CASH withdrawls. My card has never ever been out of my possesion, I don't have a duplicate card, never have, never will.. No one but myself has access to my card. I was on the subway coming to work, simultaneously, and physically couldn't be in 2 places at once. I immediatly went to my local branch for start the process... 

I didn't do this, my card wasn't used and somehow boosted or whatever these thieves do no a days. One of the most disturbing elements of this whole circumstances is how where they able to get into my account do that transer? And like I mentioned before this is the third time this has happened. Seems like some sort of inside job to me.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery is charging me {$810.00} for a payment that Ive already paid off. As of today, XX/XX/year>, I have received a notification of this debt collection on my XXXX XXXX XXXX. Under 15 US code 1692c ( c ) a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OK)

My account with Marcus Goldman Sachs was frozen. I opened a high yield savings account with them a week ago, and had a large sum of money transferred into my account from XXXX XXXX XXXX XXXX. I tried to log in this morning and their app told me I had been locked out of my account. I called their customer service number and was asked a bunch of questions to identify who I am. I was then told I was being transferred to another person who told me they couldnt authenticate me and my account was frozen. I gave them all my information that I have. I then said I wanted to talk to someone higher than the person I was talking to, and was told she was the supervisor and there was nobody else I could talk to. I was told it would take 3-7 business days to send my information to the verification department to be verified. I was also told that they couldnt verify me because they couldnt send me a code via text message. I thought that was strange because they sent me a code via text messaging when I started my account. I asked if they could call me at the number they have on file to verify me and was told no. So for now I have a lot of money in Marcus Goldman Sachs and I cant get access to it.
Consumer complaint received 2024-10-09
Product: Mortgage — VA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: CMG MORTGAGE, INC (PA)

According to Veterans Benefits Administration XXXX XXXX, mortgage companies are to avoid reporting negative information to credit companies until the freeze ends. Our mortgage company continued to report the negative credit the entire year. We have had nothing but issues with XXXX XXXX, including XXXX lost checks that were mailed and never made it and mail arriving XXXX to XXXX  days after the date on the letter.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under 15 USC 181a ( 2 ) ( 1 ) under exclusions.

Protects information collected by consumer reporting agencies such as Credit bureaus, medical information companies and tenant screening services and 15 USC 168s2 which states a person shall not furnish any information relating to a consumer to any consumer reporti g sgency if the person knows or has reasonable cause to believe that the information is inaccurate, I feel my rights as a consumer have been violated. The information is incorrect and I would like for credit bureaus to delete the account from my credit report. 

XXXX Dispute Departmen XXXX XXXX XXXX XXXX Texas XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Account number XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (TX)

I appreciate your effort in providing some information regarding this matter ; however, I must bring to your attention that the documentation you provided does not fulfill the requirements for proper debt validation as outlined by the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a written request for debt validation on XX/XX/year>. As per the FDCPA, debt collectors are legally obligated to provide certain information within 30 days of receiving a written request. 

Unfortunately, the documentation you sent ( a copy of a bill from the OC ) in response falls short of fulfilling these requirements. 

Specifically, the following information was not included : 1. Detailed breakdown of the alleged debt : The documentation you provided lacks a clear itemization of the debt, including the date of the last payment made, and any interest or fees that have been added.

2. Verification of your authority to collect the debt : The documentation you supplied did not establish your legal right to collect the debt. It is essential that you provide evidence demonstrating that you are authorized to act on behalf of the creditor. 
XXXX. Proof of written agreement : The documentation failed to include a copy of any written agreement or contract that substantiates the existence of the debt. It is necessary to provide a document bearing my signature or any other form of evidence indicating my acknowledgment and agreement to the debt.