davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  T:XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX  Fax : XXXXXX/XX/XXXX COMPLAINT BY DECLARATION RECEIPIENTS : NEW YORK STATE DEPARTMENT OF CONSUMER AFFAIRS ; SANTANDER BANK N.A. XXXX XXXX XXXX XXXX, PA XXXX ATTENTION NEW YORK STATE ATTORNEY GENERAL, XX/XX/XXXX SANTANDERS BANK N.A. was notified for UNAUTHORIZED USE of my debit card transactions by an unknown person ( s ) using an ALIAS XXXX  account. Under article 15 U.S.C Sect. 1602 ( 0 ). Objections were made ; significant evidence was produced and entertained by the authorized Bank Managers, located XXXX XXXX XXXX XXXX, NY XXXX as instructed by the Bank Investigative authorities. I, Mr. XXXX XXXX  derived no benefits from these transactions, nor do Mr. XXXX XXXX hold or ever has owned a XXXX  ACCOUNT.

Attached are the exhibits disclosing fraudulent activity SANTANDERS BANK refused to acknowledge and complete a full investigation. SANTANDERS unfairly placed derogatory credit reports on my SOCIAL SECURITY number thereby obstructing my CIVIL RIGHTS to obtain another Bank account from a more reputable banking provider.

SANTANDERS never authenticated any of these transactions before or after the accounts were initiated.

Fraud minimization was never implemented ; allowing electronic funds transfer without notifying their client of irregular activities on the account.

The Bank refused to review the 100 of pages of evidence submitted as proof fraud, signed affidavits, and multiple written reports.

Exhibit II : Second complaint is incorporated and attached stating the unauthorized theft of monies from the account by Attorney XXXX XXXX, Esq.

Always faithful, Mr. XXXX XXXX, VETERAN XXXX Enclosure
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, transunion and XXXX are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IN)

In XXXX of 2019, I received an email from a XXXX XXXX agent named XXXX XXXX regarding a matter concerning a XXXX XXXX XXXX from Georgia. My name is XXXX XXXX XXXX, not from Georgia. I soon noticed an increase in my auto insurance and insurance claims from previous years on my consumer reports for accidents Ive not been involved in. I attempted to reach out to XXXX XXXX ' office and never received a response. I also contacted Lexis Nexis and was told that my personal info was sold to them by XXXX XXXX and that XXXX XXXX would need to rectify the matter. I've tried various means of rectifying this over the last year, including contacting XXXX XXXX directly but I'm always given the run around. Someone, either XXXX XXXX or Lexis Nexis,  owes me for the extra money Ive had to spend on auto insurance and whatever else has been impacted from this false data.
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Left note with creditor that information given was incorrect. They are pursuing a debt in excess of the medical debt that was previously owed, and had not sent written declaration of intent to pursue debt. Also, have received a medical bill from XXXX XXXX that said I have until XX/XX/XXXX to pay. 

Telephone call from Rash Curtis & Associates ( XXXX ) XXXX on XX/XX/2020 @ XXXX Once more calling in pursuit to the debt, no correction of debt amount or written notice acquired yet. Under the California State Rosenthal Fair Debt Collection Practices Act AND the United States Federal Fair Debt Collection Practices Act, " Collectors may not contact you before XXXX XXXX or after XXXX XXXX '' Looking up reviews from other people about Rash Curtis & Associates reveals this is a common practice from this company.

Telephone call from Rash Curtis & Associates ( Restricted Number ) on XX/XX/2020 @ XXXX Once more calling to pursue the debt, less than one hour after previous call. This falls under the repeated phone call abuse and harassment. Again, another common tactic applied by Rash Curtis & Associates in attempts to collect debts.

The company Rash Curtis & Associates has been under numerous lawsuits for these tactics as they are blatantly ignoring the law in an attempt to collect debts, even when the facts of the debt are in question.
Consumer complaint received 2022-02-10
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. (FL)

Spoke with XXXX at Transunion XX/XX/XXXX about an investigation of fraud by Transunion betweenXXXX and XX/XX/XXXX whereby I as consumer have had my federally consumer rights violated by Transunion in conspiracy with furnishers who have breached consumer trust unfairly in violation FCRA confidentiality and right of privacy in the misuse of my good name in effort to profit off my trade mark and this has negatively impacted consumers credit worthiness, credit standing, credit capacity, character, general reputation. 
Transunion alleges to have investigated my concern but refused to provide written evidence by written authorization. 
Transunion has in conspiracy refused produce evidence of written consent or by what authority requires disclosure without consumer consent and in effect accepts liability of misuse of my property. see 31 CFR 1.32 ( c ) and 15 USC 1; 15 USC 15. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08. 
Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ). 
Transunion in conspiracy with furnishers to an elaborate mechanism has deprived my right to extend credit under color of law alleging whether authorized or not the consumer has no protected right to have information deleted from third parties as defined at 15 USC 1692c ( b ) respecting their privacy and confidentiality as expressed at 15 USC 1681 by Transunion. 

see attached complaint and FTC report dishonored.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2022, I received fake wiring instructions to have my client XXXX XXXX wire funds to a XXXX XXXX XXXX, XXXX XXXX. The wire directed my client to forward those funds to XXXX XXXX XXXX XXXX XXXX. I forwarded these instructions to my client who wired {$34000.00} to JP Morgan Chase with this name on the account and account number XXXX. This account was actually in the name of XXXX XXXX XXXX, not the XXXX XXXX name. Those funds went to the XXXX account instead of the Trustee and XXXX subsequently closed the account. JP Morgan Chase refuses to discuss the issue and I subpoened the deposit account information which I am attaching. They have no one to speak to and have stonewalled my requests to speak to their in house counsel. I have had to reimburse my client for the funds fraudulent stolen from him. The bank should never had deposited the funds in an account that did not match the name on the wiring instructions. They have refused to do anything about this.
Consumer complaint received 2022-11-19
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. (TX)

I'm a victim of identity theft. XXXX, XXXX fraudulently opened an installment loan in my name without my consent. I've repeatedly send letter, emails, phone calls, FTC report, Police reports, requesting them to close my account but they refuse to resolve the problem. In addition, they falsely report the info to my credit report with XXXX, Trans Union and XXXX to ruin my credit. 

They have emailed me at least 9 times with the same request for my IDs, which I have responded every time and mail by certified mail. The email address came from XXXX different addresses requesting same information, sometimes twice a day. They use robots to call me many times ( too many to count ), from many different numbers. XXXX  also send me letters telling to pay the loan that doesn't belong to me. 

They've recently updating my credit reports with false information like late payments to a loan that doesn't belong to me. I've research about their company reviews online, most of their customer responded that " they are a scam, a ripoff ''. 

My complaint also about XXXX. I've contacted them about the ID Theft and XXXX  fraudulent loan and disputed with them. I filed dispute with them over the phone, and on their website but both returned not " accurate ''. XXXX didn't handle the dispute fairly and accurately.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}
Consumer complaint received 2022-02-10
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. (MI)

I recently discovered that I have been the victim of identity theft. Upon reviewing my credit report I noticed a negative account from XXXX and XXXX XXXX, as well as several addresses, places of employment, and phone numbers that were erroneously included in my credit file. These negative files are fraudulent and disparaging to my reputation. I would like them to be removed immediately.
Consumer complaint received 2021-09-11
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: Experian Information Solutions Inc. (NV)

Experian used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. Experian also stated in another document that this was not being reported on my credit history. They lied.
Consumer complaint received 2019-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (KY)

I have contacted JH port debt in the past. I accomplished nothing. I do no t even know why they say I owe them. Bc if I had, they would've been on my past bankruptcy, in XXXX, XXXX. I know for a fact this company changed the dates for their convenience too. It annoys me bc I'm trying super hard to get my credit score up good enough to buy this house I live in. From my mom. But everything affects your score. I just am trying to do better. I don't need this company in my credit score. I really am desperate for help. Thanks
Consumer complaint received 2021-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (UT)

Security XXXX calls me every single day and at least 10 's a day. This loan isn't even 30 days late, but more like a week. I consider this harassment. Its ridiculous! And I'm sick of it. I can't do a thing until I get paid.

I really don't like this Company. I wouldn't ever recommend them. If co-vid hadn't hit so hard, I never would have walked through their doors.
Consumer complaint received 2021-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Ive continuously informed TRANSUNION that they are violating my consumer rights!!!! They are reporting unverifiable and unvalidated debt!!! This is in clear violation of the FCRA!!!! Ive informed TRANSUNION that they are committing a crime called Debt Parking by the FTC. Ive constantly instructed TRANSUNION to remove the inaccurate and derogatory information from my consumer file!!! They are reporting a charge off from XXXX  that cant be validated and a collection from XXXX XXXX XXXX  that can not be validated pursuant 15 usc 1692g and both derogatory accounts need to be removed immediately!!!! Ive submitted several disputes informing TRANSUNION of the inaccurate information and Ive instructed them in each letter sent by certified mail that they need to be removed! XXXX has removed the negative accounts so obviously they recognized that the law was being broken and TRANSUNION should too! TRANSUNION is in violation of several laws under the FCRA which include 15 usc 1692e ( false or misleading information ), 15 usc 1692f ( unfair practices ), and 1692d ( harassment and abuse ), and by doing so TRANSUNION is civilly liable in the amount of XXXX per violation pursuant 15 usc 1692k. They are also reporting inaccurately on my XXXX  XXXX accounts. Theyve been informed that they are to remove all late payments but still report 3 missed payments as of today! Ive submitted documentation to them showing how XXXX is the only agency whos reporting correctly with zero missed payments and that they should comply with the law 15 usc 1681e ( b )! All information has to be 100 % correct or it needs to be removed!!!!! Ive provided a copy of the dispute letters sent to TRANSUNION. Ive also attached a copy of my identification so that TRANSUNION knows that it is me who is submitting this complaint!!! Ive also attached other supporting documentation such as my XXXX payment history and zero derogatory accounts and statements from the FTC about Debt Parking!!!
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Equifax has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXXBalance {$590.00} XXXX-Balance {$0.00}
Consumer complaint received 2021-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.
Consumer complaint received 2020-07-02
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: JPMORGAN CHASE & CO. (GA)

Last XX/XX/2020 Chase credit card put a hard inquiry in my XXXX and XXXX  file. I dont recognize this hard inquiry. I been trying to contact Chase to remove this hard inquiry from my XXXX  and XXXX file but the company dont give an answer about it. I ready call to XXXX  and they told i need to fi directly with the Issuer bank.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I, XXXX XXXX, the consumer, mailed American Express a request for debt validation. My legal team has stated, pursuant to 15 USC 1692g, this was not what I requested and American Express failed to properly validate the debt. Attached below is all the responses from American Express through the CFPB, along with the original debt validation request. American Express never expressed who the original creditor is which is I the consumer. I also asked for the original contract and they never provided that either. 

I requested American Express to provide the following to provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have sent a fault to dishonor notice to the CEO of American Express attached below and I am hoping we can work this out before I have to go to court and obtain a default judgment.
Consumer complaint received 2021-03-09
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: SYNCHRONY FINANCIAL (PA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, SYNCB/PAYPAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022 I had 3 hard inquiries from XXXX  XXXX, American Express and XXXX XXXX that I did not authorize. I need that taken off as it hurts my credit score.