davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AZ)

For more than 5 years now I've been disputing auto insurance loss claims that don't belong to me, that I didn't cause, and are not my fault nor attributable to my vehicle which XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX in XXXX, AZ XXXX continue to erroneously report on my XXXX XXXX to LexisNexis. 

XXXX XXXX XXXX knows that the losses belong to my father. Unfortunately I live with my dad so we share the same residential address but we have always driven our own separate vehicles, had our own automobile insurance policies, and we even have our own separate lives. However, the agents & underwriters at XXXX XXXX XXXX somehow took it upon themselves to include my name as a driver on my dad 's insurance policy at some point without my permission after I shared my social security number with agent XXXX XXXX to receive a quote. I declined to purchase auto insurance from XXXX XXXX & agent XXXX. Each year thereafter I began receiving reports from various brokers and insurers that I had a significant claims history regarding a vehicle that I do NOT own or use but because I happen to live at the same address as their insured who is also my father XXXX spread his risk onto me. This has adversely affected the rate quotes and the amount I pay for auto insurance for a long time. LexisNexis has refused to help remove the long list of XXXX claims because technically XXXX is the entity required by law to cease reporting the errors. I need help to clean my LexisNexis XXXX report please.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

I called Bask Bank last Monday, XX/XX/year>, with a suspicion of fraud as I was receiving notifications for unauthorized logins. Bask Bank then offered to disable my account while they " investigate the issue ''. They claimed to provide me with an update on this process ASAP, however after four different phone calls, each rep. had said that they were unable to provide me with an update, as it is " currently being looked at by another team. '' I can not imagine it now taking eight days to resolve this issue, let alone provide me with just an UPDATE on what's going on. I currently have $ XXXX in this account and I need to move monies out of this account to make investments. This is a time-sensitive issue, which I exclaimed to them, and the conversation continues to go nowhere. They do not connect me with a supervisor, nor provide me with ANY details on the status of my disabled account. 

When the account is in the disabled status, you can not perform money movements in/out of the account. As I mentioned above, there are time-sensitive issues/investments that I need to fund ASAP, and Bask Bank is making it very difficult for me to do this. 

I have attached the four call logs below, where each conversation lead to nowhere. I have also attached proof of me attempting to move {$5000.00} around to make a time-sensitive investment, and the ACH being returned to Bask Bank due to the account being in the disabled status.
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

I have been paying my loan every single month since XXXX. I pay the amount dictated by the terms of my SAVE plan ( {$33.00} ). However, the balance has never once gone down, and the interest continues to accrue steeply. The interest has swelled over {$1000.00} despite my never missing payments and this month it capitalized making my balance grow even higher despite making all payments. 

I was able to get a representative for Mohela on the phone several months ago. After a nearly 2 hour conversation ( where I was mostly left on hold ), the representative said that she wasn't sure why this was happening, even after consulting with supervisors. The phone call ended up being disconnected on their end and they did not call me back or ever respond to my email about this issue. Taking 2 hours to talk with Mohela in the middle of the workday is completely unreasonable. Especially when it ends up being deflected through numerous holds and being hung up on without any resolution of follow-up. I have also sent them written messages to which they have never responded. 

I'm unbelievably frustrated. I am holding up my end of the bargain, but they continue to be negligent and uninterested in helping the people they are servicing. It's like they hope I'll just give up on resolving this if they put me off for long enough. These are not ethical business practices. 

Any help you can provide would be greatly appreciated. I have screenshots of all of my monthly payments as well as the month-to-month loan overview. 

Please let me know if I can provide any more info.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX XXXX I contacted Experian regarding several fraudulent hard inquiries on my credit report. They ivolved XXXX  XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. I also contacted each of these companies individually as advised over the course of the week followinf. I also filed a police report as advised and froze my credit and put a fraud alert on it. While investigating they doscovered that my name and SS # had also been merged with another woman with a similar name in XXXX Massachusetts and her addresses and phone number were on my account as well as her husband. The rep said it was unrelated to the fruad dispute and she rectified it immediately. Subsequently I keep receiving notices from Experian that the rest of my disputes have been resolved but the reports they give me to see are unreadable without a " premium '' subscription I am told, I also am told that my credit score will not be repaired with out a " premium subscription. '' I have work extremely hard to get in the " very Good '' credit range and it has dropped over XXXX points because of this and I was told again yesterday ( XX/XX/XXXX ) that without a " premium account '' it will not change back.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I requested a modification as a result of covid and was given a maturity date of XXXX. I purchased my home in XXXX. I filed bankruptcy in XXXX and my lawyer failed to reaffirm my home through my lender. Years later, XXXX XXXX was found guilty of Mortgage Fraud and my loan was sold to Select Portfolio Servicing ; a collection company. Once Covid hit, I lost my job and fell behind on payments. They tried to offer me a payment plan that affords the company to make {$18000.00} in additional interest with an increased monthly payment of {$1400.00} that I could not afford. Upon complaining and threatening to see them in court if they file foreclose, they offered me the loan modification that kept my same interest rate of XXXX yet extended my loan by 21 years. That's absurd. I told them their practices had to be illegal and that I would file a complaint with the government to seek justice. Please look into my complaint.
Consumer complaint received 2024-03-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NC)

Back in XX/XX/2019 I had all my personal information stolen. I had to reorder all new information such as my social, my driver license etc. Months later I started to receive collection calls, being I've never used my credit but once I ignored it for over a year. I slowly noticed my credit change, and then drop a crazy amount. I then started to see the amounts were not only changing but increasing from $ XXXX {$15.00} more additional dollars resulting in my credit dropping even more. I then called back once I receive a really long detailed voice mail about being sued for the matter, I instantly called back to IQ DATA INTERNATIONAL and was told I had a charge of over {$10000.00} on my debit and that there was MULTIPULE debit collections being proceeded in my name. I questioned how I was responsible if I was never to have known about it, they clarified yet again I was in charge and to connect with the original individuals who were trying to collect. I proceeded to do just that, XXXX informed me that since I was being sued and that it was already sent over I had to continue to pay it. I then called " XXXX XXXX '' and they informed that they had went under new management SEVERAL times and had since lost documentation and was unable to provide me any information on to why the company was charging a charge like such. I also had a charge from IQ DATA INTERNATIONAL that was never explained further with it being " {$1000.00}. '' I got in contact with XXXX and XXXX to result the matter several times. Unknown to the fraud situation I failed to report, but was told recently by the companies to report the company as fraud and that my personal information was stolen for them to resolve the situation and proceed to take it off my credit properly since the credit remarks states " Account information disputed by consumer, meets FCRA requirements. ''
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC (FL)

XXXX XXXX, the vendor that installed a home air-conditioner in 2017, told my husband and me to sign a document for GreenSky, only to see whether I could qualify for a loan. I indicated that I did not need a loan and that the air conditioner would be paid for in cash. Per agreement, the bill was paid in cash. Apparently, the company proceeded to take out a loan with GreenSky without my consent or authorization. I was unaware of this until recently, when I applied for a credit card through my local bank who was having a special promotion. They informed me that I had a " serious issue '' and advised me to obtain my credit report from XXXX. I did so and discovered that there was an unpaid loan amount from GreenSky. Apparently, the loan was given to the vendor, XXXX XXXX, without my knowledge or consent. Although numerous attempts have been made to obtain any verification of my ever having authorized submission of a loan application through GreenSky, they have been unable to do so, because I never signed a loan authorization. This is the only blemish on my entire credit history, but it has had a significant impact on me and has maligned my otherwise perfect credit reputation.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Umpqua Bank XXXX and mobile applications used during XXXX scammed my XXXX XXXX XXXXXXXX benefits. Employees moved to XXXX WA opened a XXXX XXXX XXXX to continue the scam. 

XXXX XXXXXX/XX/XXXX tried to contact customer service confirm account was closed in XXXX WA and who had access to financial information using mobile applications. 

XXXX XXXX XXXX XXXX access and use my account with other users using # to have 'open ' banking system, alter deposits and withdrawals, run bank out of XXXX XXXX XXXXXXXX in XXXX XXXX use XXXX XXXX in XXXX to extort XXXX XXXX XXXXXXXX checks that are direct deposited. 

This is related to mobile applications made in the XXXX XXXX area and XXXX XXXX area in Washington State that do represent cyprtocurrencies including the Post Offices in that area, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

I am not a veteran or a spouse of a veteran but this involves identity theft involving a person residing at XXXX XXXX XXXX XXXX WA XXXX, claiming to be me, or related to me via a fake XXXX profile and other stolen identies.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX reported my mortgage payment late i have never been late on my mortgage and take pride in paying my mortgage on time and at at time like this XXXX XXXX should have reached out to me via phone and by writing a letter XXXX reported a late payment to my credit which dropped my score XXXX points I called XXXX and was told they never received the payment but how the agent informed me that XXXX was having payment processing issues which is the reason they waited to take the funds from my account i would lke the negative remark removed from my credit
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (GA)

I was going to sell the property at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, therefore on XX/XX/XXXX, I called Ocwen Loan Services loan asking for the payoff of my loan. I was told the amount and then later on XX/XX/XXXX, I was told the amount was {$43000.00} more than the amount quoted over the phone with a representative. I did a modification loan back in XX/XX/XXXX and was given a 1099 for cancellation of debt of {$64000.00}. The lender stated that I defaulted on the modification in making my XX/XX/XXXX payment late ( pass 89 days ), therefore they put {$43000.00} back in the loan amount. I asked them to provide proof of the late payment from XXXX XXXX XXXX XXXX, but they could not provide. I attempted to obtain the receipt from XXXX XXXX and was told that I needed to obtain it from Ocwen Loans Services. I was very drained and frustrated at the time so I tabled the issue until now. Another frustration was that I explained if I had defaulted why I did not receive notification in the mail of this and why was the house not deemed for foreclosure. Nothing came up about a late payment until I decided to sell the house in XXXX. I never received a corrected XXXX either and therefore I was not able to amend my taxes. I am currently trying to refinance my house and the issue has presented itself again. I am disputing the {$43000.00} that they rolled back into the loan and in addition to that the 25 % they will profit off of the refinance or sell of the home. The XXXX ( XXXX XXXX XXXX ) was to the life of the loan. This all just seems very predatory and excessive to a homeowner who at the time was newly divorced and financially struggling. Any assistance would be greatly appreciated.
Consumer complaint received 2024-03-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (OH)

On XX/XX/2024 about XXXX XXXX., a person called XXXX called a former roommate of mine and told her " they represent a party that is suing me ( XXXX XXXX ) and they are XXXX and XXXX XXXX XXXX '' and was wondering if she could pass along the contact and message, and that a XXXX XXXX was in charge of my case. At XXXXXXXX XXXX. I called the number provided to my former roommate. The number is ( XXXX ) XXXX. I called the number and " XXXX '' answered and that's was the only greeting she gave me, no company name. She asked for my name, and remember having just called my former roommate. She than transferred me to " XXXX XXXX XXXX. '' Who then proceeded to tell me that the call was being recorded, and the started with telling me that I committed 3 crimes, fraud by deception, theft by taking, and wire fraud or something. He then told me the amount I owed and if I did not come up with a payment plan right then and there, they would file a lawsuit in civil court that afternoon. I told this " XXXX XXXX '' that I would need to talk to a lawyer first because of the crimes he accused me of, he then proceeded to tell me that I had two hours and hung up on me.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : Equifax XXXX XXXX XXXX XXXX XXXX XXXX Prior to the above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate Portfolio account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on Equifax and XXXX XXXX. This is still incorrect. 

XXXX is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-26
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: World Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (MS)

SCUSA/GATEWAY ONE LENDING Date opened : XX/XX/2016 To whom it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify these payments and if you fail to verify I would ask you to delete permanently from my credit report, I also demand that you show supportive documentation that you are reporting this item as accurate, showing that actually been late, this is violation of 15 USC 1666 b which is a violation of my rights..
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

L J Ross Associates used predatory tactics to collect a bill that I dont owe, I miss identified the collection agency in my earlier complaint but now have the correct information.

LJ Ross Associates XXXX XXXX XXXX XXXX MI XXXX in regards to a {$300.00} XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to Credit Acceptance Corporation written , unwritten, verbal or non verbal to report my nonpublic personal information. Credit Acceptance Corporation is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by Credit Acceptance Corporation that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Credit Acceptance Corporation never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, Credit Acceptance Corporation violated the terms and conditions within their contract, because Credit Acceptance Corporation states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2024-04-21
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. (OH)

On XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.