davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

Dear APPLE CARD - GS BANK USA, I hope this letter finds you well. I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 6802. As such, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have previously provided to your agency. 
It is my right as a consumer, protected under federal law, to opt out of authorizations regarding the reporting or disclosure of my information to any third parties. I am requesting immediate action to ensure that any previously provided authorizations are revoked and no longer considered valid for reporting or disclosing my information. 
This request includes, but is not limited to, any previous authorizations given for the reporting of personal, financial, or credit-related information to any entities or third parties. 
I expect your agency to promptly update its records to reflect my decision to opt out of these authorizations in accordance with the FCRA and federal consumer protection laws. 
Please confirm in writing that my request has been received and actioned accordingly. I understand that federal law allows for a reasonable period to process and implement these changes. 
Your cooperation and timely response to this request are greatly appreciated. If any further information or clarification is required, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

XXXX XXXX  I received a letter stating that I owed on a student complex called " XXXX '' APARTMENTS out of XXXX, FL saying I owed them nearly {$8000.00} for the lease agreement. I applied to their place of business they approved me and the very next day they denied me I still have all the letters. So I moved on with my life thinking that everything was fine until a year later it showed up on my credit report nobody contacted me since the last time we had spoken the year before. I have called them which is under new management now and nobody has an answer to give. Just takes down my number and say we will have someone contact you. And they never get back. I do not know what conspired I just know it is making it almost impossible to get approved for anywhere to sleep with this issue being unresolved. It is a debt that I do not owe because I didn't create it.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the accounts. However, Transunion seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OK)

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

This complaint is regarding US Bank. 

I received a cashier 's check in the mail from an unknown Sender for {$3500.00} and an offer to become a " XXXX XXXX '' at local businesses in my area. I was to enter the businesses, critique the staff and store, buy gift cards from several different specific stores totaling {$3000.00}. I was then to send pictures of the giftcards to the Sender. I would be able to keep {$500.00} for the XXXX XXXX services. I thought it sounded fishy and was suspicious. I took the cashier 's check to my bank and told the teller of my concerns. I asked her to confirm whether or not the check was valid. She took some time in the back, and eventually returned and told me yes, it had " gone through ''. She gave me the {$3500.00} in cash. I completed my services for the Sender, sent him the receipts as requested and was done with it. Approximately XXXX week later I received a notice from my bank that the cashier 's check had been fraudulent, and they wanted their {$2800.00} back as they had already deducted all my money, {$700.00}, which was all the money I had in the account. Understandably, I immediately cancelled the account and left that bank. Now years later, this has shown up on a credit application check.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2023-09-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXXXXXX XXXX Works ) Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Works ) Account Name : XXXX  XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-18
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

I discovered that my Marcus saving account was locked on XX/XX/XXXX. On the same date, I called Marcus, and they informed me that my XXXX XXXX XXXX XXXX number was not associated with the name on the account ( which is my name ). I even went to a local XXXX XXXX XXXX XXXX  and asked them to pull my information from their system, which, according to XXXX XXXX XXXX XXXX records, matched my name. They said they would send me an affidavit to fill out. I waited for a week and then called XXXX again on XX/XX/XXXX. They assured me they would expedite the process and send out the affidavit as soon as possible, which would take 7-9 business days. However, after waiting for another two weeks, I still haven't received the letter. I lost my patience and asked an agent to close both of my accounts and transfer the money back to the original bank account that initiated the transfer initially. The agent agreed to that, and we went through the closing process on a recorded line. The agent sent me a one-time PIN number to my phone, and I provided her with the number. The agent assured me that the funds would be available within 1-3 business days. However, after waiting for another four business days, I still hadn't received the money. 

When I called Marcus again, another agent from risk department informed me that my accounts were not actually closed because their department vetoed the closure due to restrictions placed on my account. This information was never communicated to me last Friday. I requested once more to have my accounts closed. The risk department set up a three-way call with the savings department XXXX and we went through the same closing process again. However, they informed me that they could not send the PIN number to either my phone or email this time. The only two options left for me are : Receive a check via mail, for which they couldn't even provide a tracking number. 
Go through the old affidavit process, which has already taken a month, and I still haven't received the letter from the bank. 
Due to my concerns, I rejected the check option and insisted on getting my money transferred to the original bank account via ACH or wire. Unfortunately, they are not giving me that option. 

I don't see any risk in simply transferring the funds back to the original bank account, which I believe is the easiest and fastest way for me to access the funds.It 's really frustrating for me since it already took a whole month, and I don't want to waste another month on waiting for the check.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 950 Credit Inc (FL)

XXXX, Please see attached letter, drivers license, social security card. 

You need to add the rental tradeline onto my XXXX credit report. 

The rental tradeline company is also copied on this complaint to help assist if needed.
Consumer complaint received 2024-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

I live in a condo ( apartment ) with a purchase money mortgage serviced by NewRez. We have had this mortgage since XXXX and have always provided the servicer with proof of our condo owners insurance policy. For the first time, in XX/XX/XXXX NewRez asked for proof of the HOA umbrella policy. Once I understood what they were asking for I submitted a copy of the policy via the website as directed in early XXXX. When I called NewRez on XXXX XXXX  the rep said there was no record of me having submitted it, so I submitted it by email as the rep directed, to XXXX XXXX XXXX XXXX I chatted with a customer service rep on the website who said there was no record of me having submitted it so I emailed again, this time as they directed to XXXX XXXX XXXX. When I logged in again today ( XXXX XXXX  there is no record of the insurance on my account, and NewRez continued to bill us {$130.00} per month in force placed insurance. I emailed proof of the policy again to all three addresses today and begged them to either confirm receipt or let me know what the problem is.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I apparently have an account under Bank of America that I know I didn't open myself. I was trying to open an account with a local bank of mine and they denied me for being in the XXXX  due to this account. This account is completely fraudulent and needs to be shutdown.
Consumer complaint received 2024-01-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is XXXX XXXX I am requesting verification- ( sworn under oath ) by XXXX XXXX XXXX & FirstPoint Collection Resources XXXX Inc. for this alleged debt. I am also invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & requesting FirstPoint Collection Resources XXXX Inc. to cease & desist all communication unless for verification purposes. I am also demanding FirstPoint Collection Resources XXXX Inc. to stop all communication with third parties- XXXX XXXX XXXX XXXX XXXX immediately pursuant to 15 USC 1692c ( b ). Failure to stay in compliance with any provisions listed shall result in legal action pursuant to 15 USC 1692k.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

My Mortgage was sold to newrez. Newrez seems to be unable to recieve information or do math. We double paid XXXX payment they could not find, and we have reported the insurance 5 times. They do not respond. They now are charging me for insurance and have setup an impound account XXXX communication, does not seem to process any data, just terrible
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (NY)

Avants reply is not truthful!! I NEVER entered into a modification payment plan. I want my account reopened because of their DECEPTIVE TACTICS AGAINST ME!!!! 


My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/2023 I made a {$300.00} payment. My Avant card was then all caught up and all done on line. My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor Your company have violated

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX