davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

This complaint is lodged against XXXX XXXX XXXX for falsely reporting details on my LexisNexis XXXX XXXX report. XXXX XXXX has misrepresented two separate claims on my consumer record dating XX/XX/year> and XX/XX/year>. These misrepresentations have caused me to experience a lapse in vehicle coverage and hardships as a result being rendered unable to legally operate a vehicle without paying in excess of double my previous insurance cost. For the accident dating XX/XX/year>, this accident was caused by another driver, evident in both settlement documents and incident reports. For the claim on XX/XX/year>, this claim is already closed out with XXXX XXXX, but they reflect it as an incident on my record despite the claim being closed and merged following my vehicle being stolen the following day. To be clear, these misrepresentations reflect irresponsibility that is not characteristic of myself, and as a consequence any potential future insurers see 3 non-at fault and 1 at fault accident as opposed to an entirely not at fault record, and only 3 incidents. This difference is extremely substantial as it results in approximately {$90.00} in additional premium payments per month. Additionally I find that XXXX XXXX behavior is anticompetitive in that their misrepresentations assured I would continue seeking insurance through their firm as any alternative options would have been too costly, not having seen internal adjustments that XXXX XXXX made but failed to report to LexisNexis.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (AR)

JPMCB CArd is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (DC)

I tried to open an account at Ally Bank a few years ago, and I was denied. When I called asking for an explanation, I was told that it was because my credit score was too low. This had to have been false, because my credit score was and remains well over 700. I suspected the real reason for the denial was because I had recently applied a credit freeze to my consumer reports with XXXX, XXXX, and XXXX after some of my personal information was compromised. But a credit freeze isn't suppose to prevent me from getting an account -- the bank should just reach out to me to confirm it's me trying to open the account before proceeding. 

Today, XX/XX/2023 I tried again to open a savings account -- this time as a joint savings account. Once again, the application was denied. I received no explanation for the denial. The only statement provided by Ally Bank 's automatic system was this : " We weren't able to approve your application. We can't accept your application because it didn't meet our requirements. We didn't make an inquiry to your credit report. We appreciate your interest in Ally Bank. '' I tried calling Ally 's 24/7 support line for more information, but had to wait on hold for a long period of time before I had to give up. It is unclear what " requirements '' Ally Bank claims I have failed to meet.
Consumer complaint received 2024-10-10
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: Spring Oaks Capital, LLC (MO)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-05-12
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. (CA)

TRANSUNION is posting inaccurate information on my consumer report which is causing harm to my personal life. TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX '' that is " 120 days past due '' yet it also claims to have a balance of {$0.00}. This information is from an account that was opened over 12 years ago, in XX/XX/2011. This report is inaccurate and needs to be removed from all consumer reports regarding my person furnished by TRANSUNION. I have tried disputing with the company through XXXX and had no success. I have also already filed a complaint here with the CFPB and yet TRANSUNION continues to violate my rights as a consumer by publishing my personal information against my consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports. I am not asking for TRANSUNION to conduct a fraudulent investigation to verify any account. I am telling TRANSUNION that they do not have my consent to publish this information on my personal credit report. Further use of this information will directly result in TRANSUNION committing Identity theft against me and will be punishable by law. Even here on the CFPB website it clearly states that " Stealing your identity could mean using personal information without your permission ''.

Clearly TRANSUNION is in violation of the law.
Consumer complaint received 2021-11-12
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: American Credit Acceptance, LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have a loan with AMER CR ACPT ( Account number : XXXX ). I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I tried contacting Credit Bureaus with no successful resolution only reporting me late. There was definitely an error on their part. I was never late.
Consumer complaint received 2024-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (GA)

My HELOC initially established with XXXXXXXX XXXX was unfortunately sold to Shellpoint Mortgage as of XX/XX/year>. Once I finally received notification of the sale, I attempted to create my account online, but after several failed attempts, I was assisted by customer service XX/XX/year> and was able to make my payment. I began making additional payments in addition to the interest only payments to bring my balance down, however Shellpoint was inappropriately applying, backing out, attempting to charge for fees for " phantom payments '' I didn't make over the couple of the past 4 months. 

I'd successfully paid the balance down to {$49000.00} as of XX/XX/year>, only to be told on Friday, XX/XX/year> that although Shellpoint had created 3 different statements, 2 of which showed I had no payment due for XXXX, and one showed a {$100.00} payment, it was my fault my account was now showing past due as I should've realized based on the finance charges my amount due was incorrectly reflected on the 3 statements I received. I was also advised they could go back and correctly apply my payments, however, it would result in my XXXX payment being reflected as past due. I was also advised they had discrepancies and issues with statements in XXXX incorrectly reflecting the correct amount due, but they were not aware of issues after that time. Again, I have 3 different statements for a given month, contrary to what Shellpoint advised their agents to communicate. 

As I explained each time I was contacted by the company and each time I've followed up to ensure I remained current, each of the payments I made after my initial XXXX payment was paid online. I have paid an additional payment to ensure I was paying more than the interest owned. The payment made for XXXX was intended to account for the {$100.00} interest only payment due as well as an additional {$100.00} towards my principle. I was told as of Friday, XX/XX/year> my current balance is {$49000.00} and I would need to make an additional payment of {$170.00} to bring my account current. Shellpoint has consistently incorrectly applied my payments and I'm to bear the responsibility of their predatory lending practices. Their system, accounting errors are the reason my account is showing past due and they should be held accountable for their errors. My account should not only be made current, but my balance should also be adjusted.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX I wish to complain about Transunion, XXXX and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit.

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( Transunion, XXXX and XXXX ) to report anything on my credit without my consent
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PROVIDENT FINANCIAL SERVICES, INC. (GA)

XXXX XXXX XXXX  XXXX XXXX Provident Bank posted a mortgage payment to my Checking Account in " XXXX Bank '' for the amount of {$4300.00} on XX/XX/year>. I did not Authorize this payment amount to Provident. I paid my regular Mortgage amount to Provident on-time, and no dues from my end.

I approached both Provident and XXXX XXXX  Customer Service regarding this multiple times. 

XXXX XXXX  said that Provident bank posted the payment, and they paid the amount to Provident Bank, and they don't see any errors in XXXX system, so they are not responsible, and they asked me to contact Provident Bank. 

Provident bank said that they don't see the transaction at their end at all, so they are asking me to contact XXXX bank. 

Both banks are not taking the responsibility. Extra {$4300.00} from my budget keeping me in difficult situation to pay for my other household expenses and bills.
Consumer complaint received 2024-12-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

SPS is basically caught in violation of all XXXX XXXX XXXX XXXX. XXXX XXXX is part of a Wrongful Foreclosure with XXXX XXXX and XXXX XXXX Sheriffs. XXXX XXXX is selling off my information without Right, Consent or Contract with SPS employees stealing my ( our XXXX and I ) Identities creating new loans and debt with no contract. There is no mortgage. It is paid off, attached is the proof. XXXX XXXX is running now that I am suing them ... SPS just added themselves to it if no Out Of Court settlement for this Fraud and Mail Fraud. 
SPS must prove and show the contract XXXX and I have with them and we both know there is none = they now owe us Compensation. These contracts pertain to ARTIFICIAL LEGAL PERSONS so when you send mail to the ALL CAPS NAMES in attempts to extort the man or woman via the ARTIFICIAL PERSONS = 18 USC 1341/1342 Violations which I 100 % proved happened. 
I require/request CFPB to get my Compensation of {>= $1,000,000} per 18 USC 1341/1342 reads. 
SPS was faxed, mailed and called to CEASE AND DESIST ... they kept trying to contract and sending mail = MAIL-FRAUD and Harassment. If they attempts to send a man with a XXXX to my house to extort us for SPS = XXXX XXXX = XXXX defense activated. SPS & XXXX XXXX nor any other Corporation has STANDING to Collect, Foreclose, Auction or Administrate property ( man/woman ) via Color Of Law and ARTIFICIAL LEGAL PERSONS, the Mortgage Scheme is fullyexposed. The Foreclosure Defense Handbook shows it all and I back it up with an Audit and Proof of National Mortgage Contract Fraud using Grammatical Deception. The Legal/Legalese system fraud is exposed in all my cases. 
When you lower yourself to the U.C.C. = no immunity using your job/Color Of Law to steal proerty no one owns, lent money towards or is a real party of interest as CORPORATIONS can't talk, aren't real or can claim anything. 
So, SPS has until XXXX to show the contract or they're out millions/already owe me for 18 USC 1341/1342 Violations. 
I DEMAND/REQUIRE CFPB to go after XXXX XXXX and SPS for Contract Fraud & Identity Theft .
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

In XXXX, XXXX, upon receiving a notice of change ( an increase ) of escrow payment amount from Mr. Cooper ( that purchased the mortgage from XXXX XXXX XXXX ) due to an increase in homeowner 's property insurance premium, we contacted XXXX, our homeowner 's insurance carrier. XXXX corrected the premium, lowering it by some {$600.00}. We notified Mr. Cooper by phone and via email ( we sent a new Declaration from XXXX ) of the change in premium on XX/XX/XXXX, and Mr. Cooper acknowledged receipt by email on XX/XX/XXXX. This change would have lowered our monthly mortgage payment by about {$50.00} per month. 

In contravention of our request, Mr. Cooper paid the incorrect amount on or about XX/XX/2023 to XXXX ( some 30 days after being made aware of the correct amount ), and has continued to refuse to correct both our escrow and our monthly mortgage payment. 

Three protracted telephone calls with Mr. Cooper 's employees have not resulted in a correction of the problem, and clearly paying the incorrect amount was done in blatant contravention of accepted practice and procedure.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2022-09-12
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. (NV)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX