davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
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. (FL)

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I maintain my checking account at Chase Bank in New York. On XX/XX/2022 I mailed a check from my account to XXXX XXXX XXXX XXXX for {$2300.00}. That check was intercepted in the mail and never received by the intended recipient. I discovered the issue in XX/XX/2022 when I saw that the check wasn't deposited against the balance I owed. I then checked my account online and observed that the check was endorsed by a person named " XXXX XXXX '' and remote deposited in an account at XXXX Bank in Delaware. I immediately informed my Bank, Chase, and filed a local police report here in XXXX XXXX, New York. I completed a form for Chase called a " Declaration of Unauthorized Endorsement or Altered Item '' report and I was assigned a claim reference number ( XXXX XXXX ). I was then informed by Chase that they needed to submit a claim with XXXX XXXX  and that XXXX XXXX  would investigate and then pay the funds back to Chase which would then credit my account. I provided a copy of the check that has the account number of the account the funds were remoted deposited in. Over the last 6 months I continuously communicated with Chase regarding the status of my claim and was told each time that they were awaiting a response from XXXX XXXX. Finally, this week I was told by Chase that XXXX XXXX  denied the claim without any explanation. I also called the XXXX  Police Department since XXXX XXXX  is headquartered there and they told me it wasn't in their jurisdiction but that they have received numerous similar calls. I also saw online that XXXX XXXX  acknowledged that they had a major issue with fraudulent accounts and for a period of time they suspended issuing new accounts. Chase advised me they have no responsibility to me and that it was XXXX XXXX  's issue. This leaves me with no recourse since XXXX XXXX  inexplicably and without justification is denying the claim. This situation is egregious. Either Chase or XXXX XXXX  needs to accept responsibility and reimburse me. I am not providing account numbers in this complaint for security purposes
Consumer complaint received 2024-11-06
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NH)

My husband passed away a few years ago. However, he did assign a credit card to me as an authorized signer. He was the responsible party on the account. Therefore, I respectfully request the removal of my name from the account, and the deletion of any reference to the account on all of my pertinent credit reports.
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

Ally Financial contacted my neighbors, to whom I do not have a relationship with nor are on my account, to discuss my financial situation. I was told it is common practice to find associates to the borrower, however none of my neighbors are associates. My privacy was violated. Federal law protects consumers against unfair, abusive, and harassing debt collection activities. The law that governs debt collector actions is known as the Fair Dept Collection Practices Act or FDCPA. This law sets strict limitations for what debt collectors can and can not do, including who they can contact as well as when, why, and how those communications occur. All of which were violated.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roycroft Management (CA)

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is Central Mediation Services. XXXX XXXX XXXX XXXX # XXXX, XXXX,, NY XXXX, ( XXXX ) XXXX. On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with XXXX XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such  communications. ( I had requested that XXXX XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( XXXX XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. ( I received 4 missed phone calls from XXXX XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( XXXX XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

In XX/XX/XXXX Santander changed mortgage servicing companies from Santander to XXXX XXXX. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, XXXX XXXX the payment processing company for my Santander mortgage, has not reported this Santander loan to the three major credit reporting agencies of XXXX XXXX and XXXX. 

Information regarding my Santander Mortgage as it currently reports to the 3 major  bureaus is Closed/Transferred Acct # XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is Santander Mortgage account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from Santander account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX XXXX or XXXX 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to Santander beginning XX/XX/XXXX when I discovered the errors. Santander instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

Santander 's new mortgage loan processor, XXXX  XXXX, is IN FACT NOT reporting to XXXX XXXX or XXXX the loan activity and balances on Santander Mortgage loan XXXX for myself.
Consumer complaint received 2019-05-14
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. (MO)

Transunion is reporting on three separate tradelines the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 20, 23 and 27 of the attached credit report. ) This account reports a balance due of {$100.00} with a {$0.00} past due amount. This incorrect reporting is a F.C.R.A. ( Fair Credit Reporting Act ) violation and is harming my credit score.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/year>, I deposited a check into my USAA Checking account. Before making the deposit, I contacted USAA to obtain the location of an ATM that i went to the location in XXXX XXXX  and made the deposit. After making the deposit, I called the bank to confirm the deposit was made and they confirmed it. 

I requested to know how long it would take for me to have access to my funds, and the USAA representative stated they would try and see if I could get immediate access. I was told their company system denied my access because " it believed that the check may not be paid. '' I reminded the Representative that it is a US Government Check with my IRS tax refund from the US Treasury, and I was told the computer made the decisions and the representative could not override the decision of the computer system. 

On XX/XX/year>, I received a letter titled " NOTICE OF HOLD ON FUNDS '' from USAA dated XX/XX/year>XXXX  that stated, " We have confidential information indicating that this check may not be paid. '' I called USAA and spoke with a Representative who said the computer decides. I asked for a supervisor was not nothing could be done and I would have access to my money in 7 days. 

USAA is stealing from me and other customers by putting our money ( IRS tax refunds ) on hold while they allegedly benefit from the interest and ability to use my money, which I don't have access to. The activities of the bank founded to benefit veterans like me have been weaponized against veterans because the computer is in charge and decides when and if I can get my money from the USAA.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have contacted both Experian, and XXXX  by phone, and by mail, and even fax regarding multiple fraudulent accounts that appear on my credit file. I have disputed these accounts as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to both Experian and XXXX and both credit bureaus have ignored my fraud disputes, and both companies have neglected to utilize my recent credit report to block these fraudulent accounts from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by both credit bureaus. 

The following accounts are not mine and are on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX Card Services XXXX ( Fraud ) XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX XXXX XXXX ( Fraud ) XXXX XXXX XXXX ( Collection ) ( XXXXXXXX XXXX ) ( Fraud ) These are not my accounts and I have also communicated this same information and provided my police report to these businesses listed above, and they have refused to assist in the correction of the fraudulent information the same as Experian and XXXX have. 


They are all acting in a willful and malicious manner and continue to defame my character by knowingly reporting information they have been fully informed was fraud.
Consumer complaint received 2019-09-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC (MI)

In XXXX I went into XXXX XXXX XXXX XXXX to apply for a mortgage. At that time I supplied all requested documents including the last 2 years of my taxes. I was quickly approved for {$60000.00} which I asked for then after three months of looking I was approved for {$65.00} because I found a home for that amount. It was okay that someone else 's offer was taken. I found a home and that's when I was approved a second time at the {$65000.00} price point. The home I found was listed at {$59000.00}. I offered an additional {$2000.00}. I was moving towards closing and Member first Mortgage begin asking me for documents which were already submitted. Then after submitting them they ask again for the same documents, over and over again even after sending me an email stating they had all the documents. As time passed and I heard nothing regarding closing I begin to inquire as to the status of closing. I had previously been given an expected closing date of XX/XX/XXXX. However, I was told on XXXX that the underwriters had suspended my loan and no one knew why. I called the bank and was told there was no problem and I should be closing. I called the bank and was informed by the new Bide Pres. of banking XXXX XXXX that the Vice president of banking XXXX was let go a And he was brought in to correct the many mortgages that were messed up. XXXX at Member First Mortgage who was coy told me my income to debt ratio was 84 %. My challenge is they had my taxes w-2 and 1099'since XX/XX/XXXX and no one ever said a word. I have gone from looking to the appraisal process I knew nothing of this and the underwriters looked at a home I had turned down and even sent me the truth in lending papers. The whole process was botched from lost papers over and over again to not properly reviewing the papers to being told by XXXX that " You are approved to close. We will be closing on the XXXX. They refunded my {$520.00} appraisal fee because they admitted the debacle Stinked. I am expected to move out of my place. Where am I going until my loan closes WITH ANOTHER LENDER? '' The complete process was unprofessional and deceptive, unorganized and disingenuous. Needless to say, I called XXXX XXXX who assured me that he would handle it and call me back. Neither of the promises was kept. 
It is my sincerest hope that NO ONE is made subject to this type of treatment from XXXX XXXX  XXXX XXXX or Member First Mortgage.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a XXXX notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of XXXX notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of  this item from my Equifax credit report in order to accurately reflect my true credit history.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MD)

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. CAPIO PARTNERS , LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.