davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! -DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX XXXX " The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. ''
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I FILED A DISPUTE WITH CAPITAL ONE 360 BANKS REGARDING A CHARGE FROM XXXX XXXX  FOR {$120.00} I REACHED OUT TO THE COMPANY THAT CHARGE ME THIS AMOUNT AND THEY INFORMED ME THEY CAN'T REFUND ME I REACHED OUT TO MY BANK TO DISPUTE THE CHARGE AND THEY DENIED MY CLAIM
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I have continuously tried to dispute this account. I have asked that Portfolio show ownership that I had this account and they sent nothing but a bill, I later reached out to them and asked them provide anything else and they didn't respond. I have sent a complaint already to Cfpb and Porfolio has failed to meet the requirements asked of them. I sent a letter on XX/XX/2018 asking them to cease contact with me and remove items from mu credit and they sent me a settlement letter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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 inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 68XXXX effective immediately and indefinitely. 

DISCOVER BANK XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (SC)

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 

According to your communication, you claim that I owe a debt to J

efferson Captial. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. The date the debt was incurred.

4. The total amount of the debt, including any fees or interest.

5. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year> I had a balance of {$21.00}. I was broke down at a XXXX gas station where they had no cash back only a ATM with no transaction fees. I had to withdraw {$20.00} so I could pay to get on the bus to get home. This left me a balance of {$1.00}. When I opened my Truist app the following day it showed they had charged me a - {$3.00} Non-Truist ATM fee which I had never been charged before using a non Truist ATM. This instantly placed me $ XXXX in my account. Bank was closed XXXX so I had a friend send me {$3.00} in my cash app and then wired it to my account to bring me out of the negative. I was at + {$1.00} now. I spoke to Truist on Monday and they claimed this was an optional fee that they could charge in this situation. I never agreed to such a fee nor ever signed anything stating this was a thing. 
I wake up on XX/XX/year> and Truist has now charged me a so-called maintenance fee of - {$12.00} which Ive never once seen and claimed it was because I was in the negative for a few hours which they purposefully caused and that they had attempted to run a charge through at the time which is 100 % false. Thus, once again pushing me into the negative of - {$10.00}. 
XXXX currently unemployed due to XXXX XXXX in XXXX, Fl awaiting my XXXX and XXXX claims with no money coming in because the flooding trashed my vehicle. As an uber driver its my only source of income. This is predatory behavior and I thought these junk fees were illegal per EO of The POTUS. 
This could affect my credit rating, cause my account to be closed in the negative and through nothing I did wrong. Ive had this account many years in fact since they were SunTrust Bank. The first time I hit a rough patch through no fault of my own they take advantage of it. This is sick, unethical, disgusting behavior by any financial institution or XXXX Bank. 
How can this be legal?
Consumer complaint received 2024-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (TX)

I currently have a 30 year fixed conventional VA Loan. 

About 6-7 months ago, my mortgage payment suddenly and without warning, went from around {$1900.00} per month to over {$2300.00} per month. 

Ive called multiple times for an explanation, every time Ive called, Ive been given a different reason for the over {$400.00} p/month increase on a 30 year fixed. 

The latest and current excuse, is its because my homeowners insurance went up. 

Ive called XXXX to certify this MULTIPLE TIMES and theyve literally LAUGHED at me over the {$400.00} p/month increase due to increased homeowners insurance According to Freedom Mortgage, they apparently think its completely sane and normal for home owners insurance to go up over {$5000.00} per year. 

When I call Freedom Mortgage back, per their instructions ( to call XXXX, its a XXXX problem, we just have what they sent ) they refuse to listen to the information Im trying to provide that they requested. 

As of now, Im beginning to feel that this is a predatory lender, exhibiting predatory lending behavior and Im familiar with Feeedom Mortgages multiple lawsuits and settlements for bribes and kickbacks. 

I am a XXXX XXXX XXXX XXXX prior service XXXX. 

I was also injured and wounded while XXXX XXXX XXXX XXXX XXXX and XXXX XXXX under the XXXX XXXX. 

Im about to lose my house. I have multiple dependents with another on the way and this lender refuses to explain how or why they decided to hike my 30 year FIXED mortgage by over {$400.00} or do anything to help like an off schedule mortgage escrow analysis. 

I am exempt from state property tax from being 100 % XXXX. 

I pay my HOA fees DIRECTLY, every year, by personal check. 

I also have my homeowners insurance set to AUTO PAY and AUTO RENEW with my XXXX Savings Account. 

I have no idea where the money Ive been paying into this freedom mortgage escrow account is going or has gone, since the loans inception. 

This has been going on for years and when I call freedom mortgage to have them explain the increase, send a statement, request an escrow analysis, or have my broker call them, theyre extremely rude, unprofessional and refuse to account for where my escrow funds are, what theyre going for, why, or anything useful. 

I assume its because theyre trying to steal my house.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/2018, XX/XX/2018 ), as well as the credit bureaus ( XX/XX/2018, XX/XX/2018 ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Consumer complaint received 2018-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-17
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: JPMORGAN CHASE & CO. (AZ)

I noticed unauthorized inquires on my credit report, I sent emails and certified mail to the credit bureaus and the creditors. It has been more than 30 days and they have failed to respond and or remove the inquires.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Eagle Accounts Group, Inc. (IN)

I have a payment plan with Eagles account for a medical bill of around {$8000.00}. Payment plan started in XX/XX/year>, and has been being taken out monthly in the amount of {$200.00} and I lowered it to {$100.00} for a little. Then 3 days ago I received a summons to appear in court. When I called them they stated the XXXX payment didnt go through. They didnt inquire before hand and I assumed everything was being taken out like it had been. I was told they wouldnt do a payment plan and were going to take me to court
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I went into a payment arrangement with XXXX XXXX on my credit card payment. I called them because I knew it would be difficult to make the payments over the next few months. We agreed to close the account and set up a payment of {$210.00} per month. The representative told me to pay {$280.00} then and my next payment would be {$210.00}. Fast forward to XX/XX/XXXX I am about to make my next payment when I see that my account shows I am 30 days late. I called to find out why and they said the account was carrying a balance due. I was never told about this balance or contacted I was behind. I found out after they reported me late. I called to have this late removed and they have refused. I told them I will no longer pay this account until they remove all negative reporting as it was false. They refuse to work with me and only tell me I can fax in my complaint and they have 30 days to respond.
Consumer complaint received 2024-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

On or about XXXX XXXX, a solar panel sales person came to our door and sold us solar panels for our home, which I own. Before the transaction was completed, he put the finance company on the phone that took our loan application on the phone and approved us for {$50000.00} over 25 years right away. He said that they work closely with XXXX XXXX ( who filed bankruptcy on XXXX XXXX ), and as long as we paid monthly what we agreed to, we would keep our panels. It was a purchase not a lease.

The finance company 's name is Dividend Solar Finance, located in California. They sent the loan agreement for us to sign simultaneously to the purchase of the panels. Since we wanted to have green energy, we knew nothing about how this is done, and subsequent to the bankruptcy, I was told to approach the finance company and they should help us. They refused to do anything about it telling me it was my obligation and I owed them this money. 

Since the installation of the panels in XX/XX/XXXX we had issues with XXXX XXXX, with wrong CAD drawings of installation, the installation caused major leakage on the roof that damaged the interior. I reported this to XXXX XXXX and they continued to promise to take care of it or send me credit for the damage, which never happened. I called Dividend to tell them that the panel company which they financed, wasn't complying to our requests and they told me they had nothing to do with what they promised or not. 

Since the bankruptcy, I have learned that this finance company was collaborating to take advantage of people purchasing solar panels especially seniors, thus the {$50000.00} loan. In addition, th finance agreement included that I was to send them my state and federal government credit rebate for installing panels or the monthly payment would be increased. I did not send it to them and my monthly payment increased from {$190.00} per month to over {$220.00}. 

I called Dividend when XXXX XXXX filed bankruptcy and they said they could do nothing about it and I had to pay each month or they would report me to the credit bureau. Dividend Solar Finance is at LENDER : DIVIDEND SOLAR FINANCE LLC XX/XX/1500XXXX XXXX, CA XXXX ( XXXX ) XXXX Borrower 2 : __________________________ _______ Signature Date DocuSign Envelope ID : XXXX XX/XX/XXXX THIS IS A COPY This is a copy view of the Authoritative Copy held by the designated XXXXXX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION (PA)

This company have not carried out Fair Truth in Lending Practices. The contract was fraudulent. The vehicle was paid in full from XXXX XXXX XXXX XXXX estate ; then paid out by debits. The title was never received. I was also asked to make a down payment for the vehicle. That down payment was never reported. This account is over XXXX XXXX XXXX, but still reporting to my credit as closed.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ditech Financial LLC (CA)

First, We have yet to receive our XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX XXXX ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ... EVEN after our XXXX   Agent talked on the Phone to Green Tree, changed the necessary Policy requirements per Green Tree, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet Green Tree continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed Green Tree 's Records for a Small Claims Case XX/XX/XXXX. We LOST THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX  because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State &  Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SC)

JP Morgan Chase shows a charge off on my Credit Report for {$2500.00} that does not belong to me. I have never done any business with this company in my life. I need this removed from my credit report immediately.
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

I am being charged for past rent on an apartment/house I never lived at co-signed for at all, I currently own my own house and have been living in my home since XXXX  in XXXX  and have been there every since then. 

the amount is {$5400.00} I have never lived at this address in question
Consumer complaint received 2024-09-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have an American Express prepaid gift card valued at {$50.00}. I used it to make a purchase online at XXXX  on XXXX  for {$49.00}, however the payment was declined. I called the support number for American Express gift cards which directed me to a XXXX XXXX  which told me that due to increased security measures, my payment may have been declined. There was no way to resolve this issue or speak to a human regarding this.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I saw in my credit report that there is an alledge debt for a company called XXXX XXXX XXXX. There is no proof this alledge debt is mine there for this is a violation. I have never done commercial transactions with XXXX XXXX XXXX and never signed an agreement of contract with them.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.