davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (CA)

I am a victim of identity theft, I have no knowledge of these accounts I seen on my XXXX, XXXX and XXXX XXXX submitted claims with the cfpb in regards to these claims, I filed a police report in XXXX and XXXX regarding some of these same accounts. Please help me I am a XXXX XXXXXXXX XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XXXXXXXX XXXX XXXX  I never had a credit card in my lifXXXX XXXX XXXX XXXX Bridge crest XXXX I never lived in XXXX XXXX I live in XXXX ca. I had to come all the way out here to wait at the location until an officer came to do the report.
Consumer complaint received 2024-10-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TX)

I made a complaint in XXXX regarding paying on my mortgage for 19 years and have only paid {$8000.00} towards my principal in that time, which I think is wrong. I brought this up to my first mortgage company XXXX, to which when I started to complain they sold me off to NewRez.. I am now asking questions, requesting information and complaining to NewRez and now they are switching me off to another mortgage company. Is this legal? When can we the consumer actually get help? Do these companies get off the hook by keep passing us on to other mortgage companies when we start to complain and ask questions? Shouldnt we the consumer get a notice of who we get switched to? Its awefull how I just made a complaint with yall ( CFPB ) on XX/XX/year> and I received a letter today XX/XX/year> from Shellpoint that New Residential mortgage has acquired the rights to service my mortgage loan account. Can somebody please explain this to me?
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I had two different bank accounts ( both under my name and are owned by me ) that are linked to the Marcus by Goldman Sachs account ( hereby referred to as Marcus account ). I have different amounts of money transferred to the Marcus account overtime. 

I made a withdrawal of all of my money on XX/XX/year> to XXXX of my checking accounts ( without being aware that I could not withdraw money to any account for 90 days ). Goldman Sachs representative called me informing me that this transaction will be reversed as I could not with draw all the money since they originated from different accounts. They also informed me to withdraw a certain amount which originated from one account, and another amount which originated from account # 2. 

I tried this once the transfer was reversed and was unable to do so. 
On XX/XX/year> I called Marcus and they informed me that a temporary hold was placed on my account and is being investigated ( I was not aware of this nor did I received ANY information about this hold in writing or electronic communication ). I inquired why but they did not disclose information. 

On XX/XX/year>, I called Marcus again asking why is there still a hold on my account they informed me that once the transaction was reversed I should have been able to withdraw money to their respective originating accounts, they do not know why their system is not allowing me to do this and have opened a case within their systems for it to be reviewed and informed me I will be contacted in several days On XX/XX/year>, I contacted Marcus again and they informed me that the case is still under the review queue and do not have a way to resolve this issue. I will be closing on a house purchase with funds from my savings account and this delay and the fact that Marcus does not communicate is both frustrating and unprofessional on their part.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

On or about XX/XX/year> a collection letter was sent from Radius Global Solutions, LLC asserting a debt of {$330.00} [ XXXX XXXX ]. I responded and sent Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX ; Request for Validation of Debt [ XXXX XXXX. ], on XX/XX/year> to Radius Global Solutions, LLC. On XX/XX/year>, they responded with XXXX ( XXXX ) pages as follows XXXX XXXX XXXX A Letter asserting that " We have conducted an investigation and are providing you the enclosed validation. " ; XXXX  ) An essential blank page showing an XXXX, MN address as a header, with a showing of the name XXXX XXXX XXXX and my mailing address ; XXXX  ) A copy of a 'XXXX XXXX XXXX XXXX XXXX XXXX showing similar information [ name and mailing address XXXX XXXX XXXX XXXX I presume that this a copy of the back of the XXXX XXXX listed in # XXXX above ; and XXXX ) An information sheet allegedly explaining Important Rights. 
I assert that none of the information provided by Radius Global Solutions, LLC provides proper validation for the debt alleged. As such, I'm reporting them because they refused to acknowledge the failure to validate the debt, and to then act accordingly. I was informed that they would not close the debt even though they failed to validate it, or provide proper validation and are unable to deny that the debt was paid when they purchased it. They suggested that I request additional validation information. I refused. My 'Request for Validation of Debt ' letter sufficiently requested the necessary information to validate the debt, I should not need to make an additional request.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Experian credit report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accordingly according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In General, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, or modify that item of information, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2, they are supposed to not furnace 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 not accurate.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was advised by a TRANS UNION Rep to fill out this report because of unauthorized inquires in my file. Please remove all these unauthorized inquiries from my report. This is hurting my credit score and giving false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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: Experian Information Solutions Inc. (FL)

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year>XXXX  To whom it may concern. 

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report. 

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, XXXX has failed to remove the account from my credit report, continuing violate FCRA regulations. 
Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. 
please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (TX)

These fraudulent accounts have resulted in multiple unauthorized hard inquiries and fraudulent collections appearing on my XXXX credit reports, which are damaging my credit and were not initiated by me.

I made multiple attempts & disputes. My next action is litigation against each company and credit reporting agency for allowing this to be reported for so long after multiple complaints of fraud.

This has severely affected my life. Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud.

Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) & I demand immediate response that this fraudulent information & accounts be blocked and removed from my credit report immediately within 4 business days. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

Please See Attached Notarized & Non Notarized Files. ALSO : These addresses Ive never lived at : These addresses are also associated with these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Alsomultiple laws are violating multiple laws & my rights : Attached Is A Notarized Dispute Letter Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

So, I was going through my paperwork and learned that titlemax checked the box that i was not a Military spouse they never asked for proof of income or anything they predatory lended this loan to a military spouse but lied on the app then im seeing all these other lies on the app i was never told about isnt ot true they never was supposed to lend to military families at all? Didnt they just go tbrough a lawsuit???? With CFPB i also told them at the time I wanted a small amount which my cars current value as a Lemon law buyback which i just sued the dealership and finance company for not disclosing to me which i won, settlement for it has lemon law buyback branded title only worth XXXX they gave me XXXX $ i asked for XXXX! Then they never disclosed all thia extra fees thia is predatory lemding now it has been literally 5 days since my due date they are making NUMEROUS CALLS DAILY THREATENING ME WITH REPOSSESION THEY WANT A PAYMENT OF XXXX a month! This is ludicrous and i plan to file federal suit if this isnt handled through CFPB
Consumer complaint received 2024-09-15
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: Experian Information Solutions Inc. (FL)

I have disputed the following accounts 3 times with not response from the bureaus. Please assist in the investigation. 

XXXX XXXX XXXXXXXX : Validation has not been provided for this collection. XXXX reports it as 120 days late with 4 late payments. XXXX reports the collection as open. Please delete immediately. 

XXXX XXXX XXXX  XXXX : No validation has been provided for thhis account. Please delete immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : I have not recieved a dunning letter from this company. I have not been provided validation when requested. Validate this account or delete immediately. 

XXXX - XXXX : No late payments are reported for XXXX and XXXX. Experian reports undocumented late payments. Experian ha a XXXX high balance. XXXX has a XXXX limit. There are different dates of last activity and last payment. Please delete immediately.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

I've been trying to dispute a charge on my American Express since XXXX. I've submitted several pieces of documentation to American Express but they continue to reject my claim without a clear understanding of why. When I call the disputes department, I'm only told to resubmit new information. How can I provide information without knowing what American Express is looking for? 

Nonetheless, I've provided American Express proof that the vendor is misrepresenting facts, and the goods were not as described. I would appreciate if American Express would clearly state why they are rejecting my claim when I've provided sufficient evidence.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

In according with the FAIR CREDIT REPORTING ACT. 
Account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE XXXX SENT TO ME A XXXX FORM, WHERE SHOWS A DEBT CAMCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX, XXXX XXXX Account # : MIDLAND CREDIT MANAGEMENT : XXXX XX/XX/2024 Dear Sir : I received a debt letter from you. Do you have the right person? Can you supply me with a contract or agreement signed within your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENT OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURE TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported the debt. 

PERMISSIBLE PURPOSE Please state why you have permissible purp [ ose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 

XXXX XXXX XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I mail my third dispute letter XXXX, due to still not having my payments updated as current, all I ever received is it's been verified, with no proof. I requested proof of the previous investigation, I requested records of who they spoke with, their business address and information, and phone numbers, as well as documentation that the account was late. XXXX  XXXX XXXX XXXX  ( XXXX XXXX ). I asked for third time that you updated my payments to current. I have provided enough proof, that my payments were paid on time, or arrangements have been made do COVID-FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ), and XXXX  XXXX Loan extension FCRCA-FCRA mandates that credit bureaus must report accurate information about a consumer 's credit history, including late payments, which means they can not report a payment as late if it was made on time even with a loan extension. I attached proof of my information. Update my information I will have to seek legal action. I also attached a complaint to the XXXX  state attorney general ( Consumer complaint ). 

Update the following incorrect information on my credit report. 

XXXX XXXX as current XXXX and XXXX are current- XXXX XXXX XXXX COVID government law, the coronavirus Aid Relief, and Economic Security Act, passed by congress, addressing the FCRCA ( 15 USC 1681 s-2 ( a ) ( 1 ). That the furnisher of data to the consumer reporting agency that allows consumer to defer payments, make partial payments, modify payments should not report the account as delinquent, but should continue reporting it as current. 

XXXX XXXX XXXX Each month state I'm 30 days late, Common sense I can't be 30 days late each month I can't be 30 days late each month that an error XXXX XXXX Both XXXX and XXXX are current, again common sense shows I should also be current for that month I was not late. If I was on time the month before and the month after, XXXX XXXX XXXX XXXX and XXXX show current how can XX/XX/XXXX be late? 

XXXX XXXX Both again XXXX and XX/XX/XXXX both show as current how can XXXX be late?? 

XXXX XXXX XXXX  -I Provided proof I was not late and overpaid for those months and was not late XXXX XXXX XXXX - I overpaid my payments for those months I provided proof. 

XXXX XXXX is showing up 60 days late, I was given a loan extension, which should not report late on my credit report as late its the law- I provided proof of loan extension. 

Update my payments as current or I would have to seek legal action, I have additional documents as proof, yet you have not provided me with and proof these payments have been late but keep reporting my credit and damaging and hurting my credit. 

I asked if they can not provide me with information proof of the information within 15/days paid never late and requested updated copy of my credit report.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC. (TX)

I received a phone call and voicemail from Frost Bank. When I looked up the bank online, it looks like they are out of the XXXX XXXX area XXXX I do not live anywhere close to this area. The bank left a voicemail asked me to call them about an account that was opened up under my name. The name they gave me was a name from when I was married prior almost XXXX years ago. I informed the lady that I have not been married with that last name for over XXXX years. She informed me that my identity was more than likely breached. They had allowed this individual to open up a checking account under my alias name of what I was over XXXX years ago ; used my old address and cell phone number ; and had mailed out a debit card to my old address. She informed me that they would be canceling the card and apologized on their behalf. It looks like I will be having to freeze my credit accounts as well as report identity theft.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year> : Informed over phone Marcus by Goldman Sachs Bank of 14 unauthorized withdrawals. Marcus support person told me that somehow my account has become a Joint account holder and that the name of the joint account holder is my own name! Marcus website does not even have an option for me to add someone as a Joint account holder in the first place. So, I wrote a letter to Marcus asking for complete details of this joint account holder and how come I was never asked to give my consent in the first place. Four months have passed and after multiple letters to Marcus, they have failed to respond. Marcus gave me credit for 11 of the 14 withdrawals but denied 3 stating they were legitimate! The total amount of these 3 withdrawals is {$25000.00}. Not only that whatever little communication I received from Marcus via letters- they do not even sign that letter, the letter has no name/designation of the person sending the letter.

I want Marcus to credit me for these 3 withdrawals, plus interest plus appropriate damages. 

My case # is : XXXX