davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days.

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WI)

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: US Mortgage Resolution LLC (PA)

We had a heloc with XXXX in XXXX. We tried a loan modification and was denied for unacceptable collateral. It was charged off on XXXX. We made payments until XX/XX/XXXX. In XXXX XXXX, XXXX sold the mortgage to US Mortgage Resolutions LLC and we were never notified. On XX/XX/XXXX, we received an XXXX XXXX from XXXX XXXX XXXX We went to XXXX to apply for help on XX/XX/XXXX. They said their was nothing listed in the XXXX courthouse against our property. We hired a lawyer and he found that both US Mortgage and XXXX had placed the mortgage lien against a satisfied property we own in XXXX XXXX. XXXX tried to foreclose on XX/XX/XXXX. On XX/XX/XXXX, XXXX discontinued foreclosure on the XXXX property. On XX/XX/XXXX, US Mortgage Resolutions LLC placed mortgage assignment against our XXXX property. On XX/XX/XXXX, XXXX placed a mortgage assignment against our XXXX property. On XX/XX/XXXX Monteric files act 91 foreclosure against XXXX property. On XX/XX/XXXX we respond by lawyer. Monteric files for summary judgement. On XX/XX/XXXX We had to sign a loan modification to avoid foreclosure and pay {$5000.00} in legal fees to XXXX. During this process, interest has been charged by US Mortgage and XXXX and added to the debt which ended being more than we borrowed.We still have liens placed by them on a satisfied property in XXXX XXXX, Pa. We tried to sell the lackawanna property but were told it had lien against it. We believe that we were victims of mortgage fraud and were forced to sign a loan modification under duress! On XX/XX/XXXX XXXX sold our mortgage to XXXX XXXX XXXX principal balance on XX/XX/XXXX was XXXX with XXXX. The address of US Mortgage Resolutions LLC -XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The address for XXXX XXXX is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il. XXXX.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OneMain Finance Corporation (CA)

Received denial letter. I have not applied for a loan. called company was transferred to fraud dept at that time they were to busy to assist me. was given direct number received recording to call back. called back and was left hanging on line. I did purchase a car for my son XXXX XXXX but it was paid in cash. I used a XXXX, I do not pay large amounts in cash in case a problem arises like now. We started a loan app but did not complete, decided against having finance charges. I don't have a copy of a loan being submitted to any finance company in that paperwork. I am sending a copy of receipt and letter, which I received XXXX. I only have reference # as the app was denied. # XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management (MN)

The debt collection agency FOX COLLECTION CENTER parked a debt on my consumer reports without notifying me of the alleged debt. I never received a notification or disclosure to dispute the debt or that the communication was from a debt collector. I, XXXX XXXX, noticed that FOX COLLECTION CENTER is not licensed in the state of MINNEAPOLIS, the company FOX COLLECTION CENTER indicates that it is in the debt collection business. This is against the Debt Collection Rule under the FDCPA. This company also gives implications that the holder of this account is from an attorney. A violation per 15 USC 1692e ( 3 ). This company is also damaging my financial reputation placing this alleged debt on my consumer report with the three consumer reporting agencies. A violation of 15 USC 1692d ( 1 ).
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Reporting information on a consumer credit report without their written consent is identity theft i did got give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated i am demanding the company to remove the account fromt my consumer report not later then four business after such information i provide acount information ( XXXX XXXX  ACCT # XXXX
Consumer complaint received 2024-04-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. It was financed by XXXX XXXX ( TX ). My note was {$400.00} a month. By XX/XX/XXXX, the XXXX was repossessed ; then sold to someone else. My last ( {$400.00} ) payment was around XX/XX/XXXX. Three months of nonpayment is {$1200.00}. Not {$5000.00}. Simple math. Accurate information. My account was closed by XXXX, filed with XXXX credit bureaus ( XXXX, XXXX and XXXX ), and now being pursued by debt buyer NCB Management based on false information. The ( {$5000.00} ) amount owed is wrong, not true. Credit bureaus, especially XXXX, never categorized it correctly on my report. It was never reported or filed as a vehicle repossession. Ive made several attempts ( submitted many disputes with supporting documentation ) from XXXX to have it updated or removed. NCB picked up on my falsely reported and classified ( {$5000.00} ) account in XXXX, I think. Recently, I filed another dispute. Credit bureaus and NCB keep moving the goal post. Now this verified and updated account is dated XX/XX/XXXX. So itll be another XXXX years before it comes off?! If I shut up and dont challenge them then itll stick and just be on my report until XXXX?! Thats XXXX years since I bought the car. It will be XXXX years since the XXXX was repossessed and sold to someone else. Thats insane!! This is harassment!! Isnt this breaking or violating a law?! Predatory lending and collection practices. Discrimination. Im sure not all repossession accounts are handled like mine. Credit bureaus are determined to let false reports, records, and debts negatively impact my credit score. For a while, my credit score was almost XXXX. Now I cant possibly finance a home with my current credit score or this stain on my credit report. Due to these false claims and financial predators, my credit has dropped to XXXX, according to XXXX. Theyre attacking my credibility! They keep their foot on my neck with frivolous charges! Just cant get to a XXXX credit score ; regardless to what I do to counteract this {$5000.00} lie! XX/XX/XXXX, I bought a car. Im still paying on it. My credit score averaged XXXX while I was in college with a XXXX. Now my XXXX  student loans are being addressed and have been updated steadily for the last year. But this random, inaccurate {$5000.00} car debt is still on my credit report?! Seven years later?! Nothing has changed in seven years. This SHOULD NOT be allowed to happen!!!
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

Company L.J ROSS & Associates has furnished my consumer report trying to collect a debt that has been written off and charged off by the Original Creditor, XXXXXXXX XXXX. I have requested IRS documentation from XXXXXXXX XXXX XXXXXX/XX/XXXX ( cancellation of debt ) that the bank has submitted to the IRS. I received verification on the call the amount in question was and has been CHARGED OFF. I was advised they would send the requested IRS documentation within 7-14 days. This account is currently in litigation as all parties will be held responsible for furnishing my consumer report and their attempts to try and bring stress upon I the consumer. L.J Ross and Associates has furnished my report illegally for 4 years. This company has received several disputes regarding this account and in their efforts have continued to verify information to my consumer report without : A. having permission from I the consumer to have my non-personal information. XXXX XXXX  breached their privacy policy with I the consumer as advised in the contractual agreement that my non-public information is not to be disclosed to non-affiliate third-parties as, L.J Ross & Associates . XXXX. L.J Ross & Associates and XXXXXXXX XXXX have violated my rights of privacy pursuant to The Privacy Act of 1974. 

I demand the collection account be removed effective immediately. All parties have been notified.I am requesting damages pursuant to the FDCPA for falsifying and furnishing inaccurate information to my consumer report for years. Indicating that I owed the alleged debt and in fact I DO NOT. I am willing to settle XXXXXXXX XXXX XXXXXXXX XXXX, civil liabilities and damages against I the consumer in accordance with the FDCPA 15 U.SC 1692g.
Consumer complaint received 2024-02-20
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: AMERICAN EXPRESS COMPANY (SC)

Subject : Cease and Desist Demand Regarding Unauthorized Credit Reporting Referring to Federal and South Carolina FCRA Identity Theft Fraud Laws Dear AMEX, I am writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina FCRA identity theft fraud laws. 

It has come to my attention that AMEX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a clear infringement of federal and South Carolina state laws. The FCRA explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, South Carolina FCRA identity theft fraud laws impose strict regulations on the reporting of consumer credit information without explicit consent. Any unauthorized access or misuse of personal information, as in this case, is considered a serious offense under South Carolina law. 

I want to emphasize that I have not provided consent for AMEX to report any information to my credit report. This lack of explicit permission constitutes a flagrant violation of my rights and poses a significant risk to my creditworthiness, as well as a blatant disregard for federal and state laws. 

I demand, unequivocally, that AMEX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and South Carolina FCRA identity theft fraud laws. Failure to comply within the specified 30-day timeframe will be considered willful noncompliance and subject to penalties under applicable laws. 

Compliance with these laws is not optional but a legal obligation. This is a demand for immediate action to rectify these egregious violations and uphold my rights under federal and state laws. 

I expect your prompt attention to this matter and anticipate AMEX 's compliance with the law.
Consumer complaint received 2024-02-19
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: JPMORGAN CHASE & CO. (FL)

My name is XXXX XXXX, and I had a car loan through JP MORGAN CHASE BANK. The car was return back to the lender 2 years ago and I recieved a check because they SOLD MY CAR. They took my car from my parking spot 2 YEARS ago. It was paid for after being sold and was removed. 

After looking at my credit documents on ALL 3 bureaus, they are still reporting this CARD AS LATE PAYMENTS, ITS CURRENTLY STILL OPEN AND REPORTED. I do not have possession of this automobile. 

Because if this, this is a additional reason I cant not get an apartment, credit or anything because its showing I owe a car company who not only took the car but sold it as well. 
The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. 


The ruling interpreted 1692e of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt.
Consumer complaint received 2024-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (HI)

I received a letter in XXXX of XXXX requesting proof of insurance for my condominium. I then reached out to my insurance agent and he sent the proof of home owners insurance to New Rez Shell point. I then called customer service and the agent informed me that the insurance they needed proof of was Hazard insurance, so i had that agent from New Rez contact the Property Manager in XXXX of XXXX and obtain a copy of the insurance policy directly from him. In XXXX of XXXX, I had confirmation that they received the proof that was needed, and that i should get a copy saying that they had the proof that was needed. In XXXX of XXXX, i had not yet received the letter from them, so I called customer service, and the agent I spoke to informed me that they did not have proof of insurance. I gave the agent the name of the agent that said that New Rez did receive the proof that was needed, then the call dropped, and I was not able to get that agents name. I called the following day, and the agent i spoke to said that there was proof of adequate insurance, and that they would do an escrow analysis, and have my mortgage corrected without the lender placed insurance. This was in early XXXX of XXXX, and it is still not corrected. Currently, I am paying an extra {$280.00} per month because of the lender placed insurance. This is the second time that this has happened with this company. The first time was with New Rez Loan care, and now with New Rez Shellpoint. Once they ask for proof of insurance, get it to them as soon as possible, and get a confirmation that they received it, but still, they purchase a Lender placed insurance on the property when its not needed. I have filed two complaints with the XXXX, and they have assisted in rectifying the issue, but really, why does it have to come to that? I find it suspicious that although I do all that i can to communicate with this company, it falls on deaf ears and they proceed in purchasing a insurance policy. I have wasted so much time around 20 hours total trying to get this resolved and numerous calls to my insurance agent. It is frustrating to work with such a company, and I have emailed the CEO to also explain my frustration. Thank you for your services. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I received an advertising mailer addressed to myself ( XXXX XXXX ) from Citizen 's Bank- stating Get up to {$600.00} on us. The mailer reads to use the QR code or go to the website to open your accounts and get your bonus ( mailer attached ). I open a Checking and Savings account online on XX/XX/year> and I received an email confirmation from Citizen 's Bank, on that same day. I was sent a debit card to access both accounts and banking information from Citizen 's Bank shortly after opening the accounts online. A few days after I was sent the debit card, I was unable to access the bank accounts online, which prompted me to call customer service, who then informed me that the back office team had disabled my online banking access. Left with no other option I went to the nearest Citizen 's Bank branch on XXXX XXXX, which is 20 minutes from my home and spoke with a branch manager ; XXXX XXXX. XXXX XXXX asked to see my driver 's license, social security card, asked for my employment information and informed me that the accounts I opened online were closed. I asked why the accounts were closed and he could not give me a reason, he said he didn't know and that he could open another account for me and I would still be eligible for the offer sent to me in the mailer to receive {$600.00} for opening a savings and checking account. I agreed to open the accounts, then gave the manager {$50.00} in cash, the accounts were opened and I received another debit before leaving the branch. I made sure to ask about online banking before leaving and was assured that the back office team were working on the online banking and it should be up and running within a day or two. I reluctantly left due to living 20 minutes away and not having any idea when I would be able to get back to the branch if I ran into any issues and the fact that online banking is so convenient, I wanted to make sure to have everything ironed out before leaving ; as I didn't trust that Citizen 's Bank was going to honor their advertisement nor care about the inconvenience they caused their potential customers. Furthermore, the reason why I was reluctantly to leave I know I would be the one to suffer behind Citizen 's Bank 's misleading business practices of taking consumers money to opens and then the customer has to wait to get their money back when Citizen 's Bank feel like mailing to you- all the while the customer ( I ) have wasted time, energy, money for gas, etc. just so Citizen 's Bank can meet a quota of the number of open accounts or any of company gain by sending deceptive mailers to consumer when they have no intention to give consumers the money they are advertising ; {$600.00} for switching banks.