davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAM National Arbitration and Mediation (NJ)

OnXX/XX/XXXX I received a letter from collection agency stating they had purchase debt from XXXX for unpaid phone bill for {$320.00}. I never had or authorized anyone to open a XXXX account. I filed a police report with my local police department at that time. The officer called the agency and was informed the it will be forward to XXXX Fraud department. The officer call me and inform me of the status and that I should be receiving a call from XXXX Fraud Department. I received the call from XXXX who verified some information and stated I will not e responsible for the amount as it fraud. When I asked how the account was open, the XXXX agent stated it was open using my SSN. <P/>On Tuesday XX/XX/XXXX, A.D.R. GROUP, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX XXXX, contacted me threatening to file civil lawsuit for unpaid debt for total of {$990.00} unless I settle out of court for {$320.00} I inform their representative that this debt was result of identity theft therefore fraud. <P/>I then contacted Town Of XXXX and submitted a FOIL request to attain copy of the police report. Just received the report and following up on the ADR Group I found numerous complaints along the same line on what happening to me. All complaints involve ADR Group going after debt from over ten years and debt that was already paid, but still threatening lawsuits.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a few typos out of my original Neiman Marcus application which was about to be approved and the rep refused to correct the typos that I made on the application there for telling me to go into the store to reapply which would cause another inquiry
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (SC)

I enrolled in SantanderConsumerUSA 's Auto Bill Pay. They did not enroll me because I requested to have them draft more than the amount due monthly. As a result, I was charged a $ XXXX monthly late fee. Additionally, the customer service agent was unable to assist, take a payment by phone without charging a fee, and was slightly more helpful than a robot. Santander has had the wrong date of birth on my account and more than twice has failed to enlist me in the auto bill pay which has forced me to pay late fees and have a 30 day mark at least once on my credit report due to my inability to log in online.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/2023, my significant other sent me a XXXX payment for {$600.00}. I deposited the payment into my Navy Federal bank account using my cell phone number XXXX after updating my number and email address ( XXXX ). On XX/XX/2023, Navy Federal Credit Union restricted my account and removed me from my credit card to a XXXX stating the I processed a " Fraudulent Deposit ''. I followed instructions and submitted the appeal form explaining the situation and sent a copy of mine and also my significant other 's identification and contact information to prove that nothing was fraudulent in regards to the deposit. I never received a response from Navy Federal 's security team whatsoever in regards to the matter. I called customer service and they stated that the only information they had access to view stated that my appeal was denied and my account remained restricted. I attempted to contact the security team for further information in regards to the matter and this false accusation but could not reach anyone and was placed on a 2-3 hour wait time each call.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

XXXX XXXX, XXXX years old and in the XXXX XXXX XXXX XXXX, had approximately {$100000.00} taken from him by his nephew, XXXX XXXX. Over a period of many months unauthorized checks were written on the account at Webster Bank and XXXX also destroyed the statements before XXXX could see them. Webster Bank was made aware of the situation and reported it to the CT elder abuse department.  XXXX was eventually XXXX in XXXX, XXXX and XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX Since then XXXX XXXX, who is now the POA for XXXX has been in touch with Webster Bank to try and recover the funds. Representatives at the XXXX XXXX XXXX branch have misled her, lied to her and done everything possible to avoid pursing this. XXXX met with the Branch Manager, XXXX XXXX, on XXXX/XXXX/XXXX again and asked for paperwork showing that any action had been taken and she refused to provide it. XXXX said the bank 's fraud department was not pursing this and when pushed told us to contact the Office of the President. Today, XXXX XXXX we called the number we were given and it was the general info number and not that of the Office of the President. We were on hold with XXXX for over 45 minutes who refused to give us the contact info until he tried to resolve the problem even though we told him that the Branch Manger gave us this number. He eventually provided the contact info so we can send a letter. It 's beyond belief that Webster Bank initiated the investigation which led to XXXX XXXX being XXXX for the theft yet they will not take any action to help recoup this money. They have obstructed every action we 've tried to take since the Fall of XXXX. PLEASE HELP US. XXXX is in XXXX XXXX now and is almost out of money. He will need to go on Title 19 unless we can recoup the {$100000.00} taken from Webster Bank. Thank you for any assistance.
Consumer complaint received 2024-01-01
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)

I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including XXXX  reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-20
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: CORELOGIC INC (IN)

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).
Consumer complaint received 2017-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (TX)

I lost my first job in  XXXX  and was put on a modification since I had found another job that paid {$10000.00} per year less. After months of working with PHH my mortgage company we worked out a modification. After  PHH  took my last payment during my modification they did not apply it to my account in time, even though they received it in time. I filed a complaint and that was rectified. I then had to do another modification, after months working with them, we set up a modification. I was then making my payments when I lost my job on  XXXX / XXXX / XXXX . I asked what to do and was told to refile for modification. I did and was turned down stating I needed to do a forbearance. I refiled stating forbearance and received a letter on  XXXX / XXXX / XXXX  that I inadvertently checked self employed instead of employed. I could not afford to fax anymore so I corrected it and mailed the correct copies. I did not hear anything so I called and spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me they never received it so she gave me the email address. I resent everything via email. Then I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who told me he never received the email. It appeared I received the wrong email address so I re mailed it that day. On  XXXX / XXXX / XXXX  I get a letter from an attorney representing  PHH  stating my house is going on the block for foreclosure on  XXXX / XXXX / XXXX . I spoke to  XXXX   XXXX  on  XXXX / XXXX / XXXX  who said he will make sure they have everything since that day is the deadline. No where in my letters was there a deadline mentioned and I worked as fast as I could to get all the information needed to PHH. I then spoke to  XXXX   XXXX  who stated it  may  be too late but he could not guarantee anything and will have  XXXX   XXXX  or his manager call me on  XXXX / XXXX / XXXX  when it will be too late. I am  XXXX   XXXX   XXXX  and  XXXX  and this is how PHH treats people? I am actively looking for a job even jobs not in my field so I can get employed.
Consumer complaint received 2017-06-20
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. (MI)

This is a reply to XXXX XXXX XXXX XXXX 's ( XXXX ) response to Complaint No. XXXX submitted by XXXX XXXX XXXX. When fraud on the court exists, the orders issued by those courts are void. The courts were lead to believe that XXXX had standing to pursue this foreclosure based in part on an affidavit attested to by someone who obviously had no personal knowledge of the facts or actually reviewed the account record. Specifically, the affiant did not review the mortgage document that clearly defines when the loan becomes delinquent. Banks have been afforded far more deference by the courts than they deserve considering the industry was riddled with fraud at the height of the mortgage crisis. In fact, XXXX signed a Consent Order drafted by the Office of the Comptroller of the Currency ( OCC ) after an examination revealed flagrant abuses where affidavits were obviously signed by someone other than someone with personal knowledge or reviewed the facts. Similarly XXXX XXXX XXXX, who responded to this complaint, had no personal knowledge or provided no evidence that she reviewed the facts. She was the attorney of record but was not the litigating attorney. My records from the numerous proceedings indicate that she never opened any of the motions I filed with the XXXX County XXXX Circuit Court when the cases were opened. Someone with personal knowledge of the facts should have responded to this complaint. Anyone can get a copy of a docket sheet and summarize. XXXX filed or caused to be filed in federal and state courts, an affidavit in which the affiant represents that the assertions in the affidavit was based on personal knowledge or review. Under Michigan law, affidavits recorded with the register of deeds may be received as evidence in any civil matter and serves as prima facie evidence of the facts ( MCL 565.453 ). Prima facie evidence is sufficient to raise a presumption unless disproved or disputed. Despite being rebutted, the court presumed it was an accurate accounting of the facts. The response to my complaint is inadequate and fails to explain issues that are at the heart of this dispute such as : 1 ) Why XXXX believes the loan first became delinquent in XXXX 2012. 2 ) Why XXXX believes they do not have to respond to my Qualified Written Request sent prior to the foreclosure.
Consumer complaint received 2017-06-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AL)

This complaint concern XXXX XXXX XXXX XXXX and Ocwen Loan Servicing failure to approve me a loan modification from XX/XX/XXXX.My loan was backed by the Department of Veterans Affairs and neither bank tried to help be keep my home even though the President allocated monies to help veterans. I first applied for a loan modification on XX/XX/XXXX with XXXX. XXXX denied HAMP due to origination dafter after XXXX/XXXX/XXXX and because they were looking for another solution. Since I was denied loan modification, I had to file chapter XXXX bankruptcy on XX/XX/XXXX on to keep XXXX from Foreclosing. I received a foreclosure from letter from XXXX XXXX XXXX, XXXX days after I filed for bankruptcy. XXXX and XXXX XXXX XXXX were unaware that filed. I was told to disregard letter from XXXX XXXX XXXX. While actively in bankruptcy, I continued to apply for loan modifications, and each time ( XXXX, XXXX, XXXX, XXXX ) I was denied. I kept them from foreclosing by exposing them on XXXX. Finally, I was approved for XXXX in XX/XX/XXXX. I paid Ocwen about {$10000.00} to bring account current. Through this ordeal my mental and physical health failed me. They wanted me to be homeless but I fought them to the end. I was placed on administrative XX/XX/XXXX and my gross pay was {$4200.00}, but net pay was about {$2600.00}. I could pay mortgage, utilities, and buy food. I chose to pay utilities and buy food because I was still behind on mortgage payments. I was relentless because my daughter and I would have no place to go, and more than likely I would not be able to get an apartment because of bad credit. It was terrifying to live everyday with the possibility of being forced out of your home even you sought assistance and assistance was there but not for me, a veteran. I was discharged from bankruptcy on XX/XX/XXXX, but I still could n't pay mortgage until XXXX XXXX. XX/XX/XXXX, I received my first XXXX check from the XXXX XXXX of Alabama in the amount of {$2000.00}. {$1400.00} was deposited in my checking account because {$130.00} went to taxes, {$440.00} went to XXXX XXXX XXXX ( single coverage ), and {$11.00} for XXXX dues. I definitely could n't pay mortgage, utilities, and buy food. Once again, I paid utilities and bought food. I applied another loan modification because I lost 50 % of my income. Again, I was denied. From XX/XX/XXXX - XX/XX/XXXX, my daughter and I lived off {$1400.00}. I suffer from XXXX, XXXX XXXX XXXX, and XXXX I am filing a complaint now is because I read an article on the Internet that Ocwen has to pay back billions for underhanded things and foreclosed on people homes. I could have easily been on of them.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XXXX XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Consumer complaint received 2017-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

Upon being denied for an apartment from my XXXX report, I Contacted XXXX immediately that to let them know I DID NOT authorize and had no knowledge of this apartment! I contacted the collection agency and XXXX and have been given no relief. I also placed a fraud alert on my credit reports. Per my investigation this company did not receive any authorization or identification from ME to lease an apartment to anyone for any reason. NATCRSYS {$1000.00} XXXX2014 NATCRSYS {$1200.00} XXXX/2014
Consumer complaint received 2017-06-20
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: LEXISNEXIS (IN)

ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE  F.C.R.A. 15 USC 1681a ( g ).
Consumer complaint received 2017-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (UT)

Doing a short sale with Chase on an FHA loan. We have had a full price offer in for three months, with approval from FHA. The approval to participate in the short sale expires XXXX XXXX and it is now XXXX XXXX, end of day, and we do not have an approval letter so the buyer can move forward. The short sale negotiator changed XXXX XXXX and nothing has moved forward since XXXX XXXX took over this file. I have reached out to the escalations department within Chase and to FHA and still the only response I get from the Chase short sale negotiator and the escalations department is that the file " is still under review '' ... There 's no legitimate reason for the approval to take 3 months or even two months after we have full approval from FHA to participate in the short sale. We only need the Chase approval letter to close this. But Chase is delaying this approval to the point that the buyer has now lost their interest rate that they were approved for and we are now at risk of losing the buyer due to Chases ' delays and the short sale negotiator 's negligence.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NY)

The owners of business # 1, myself and my wife, were in the process of buying business # 2 in XXXX. We completed this process in XX/XX/XXXX. Last year American Express ( AmEx ) authorized a " pay over time '' feature for Business # 1 's AmEx. Business # 1 informed AmEx their balance would get substantially higher due to attorney fees and other fees related to purchasing the new business. AmEx informed B # 1 by phone that this was fine and there was no limit on the card, and even tested a $ XXXX transaction saying the test transaction was not declined. In XX/XX/XXXX B # 1 informed AmEx it was closing on B # 2 and would only put a few more expenses on the card, then begin paying the debt down via the " pay over time '' feature which was given. In XXXX, XXXX, or XXXX, AmEX suspended the " pay over time '' feature, causing the B # 1 bill to spike from $ XXXX $ XXXX to $ XXXX. Before the payment was due, I called AmEx to explain that we would not be able to pay the $ XXXX, which were transactions after the unannounced " pay over time '' feature. AmEx said to wait until the payment was due, then call customer service to re-explain the situation. Since XXXX of this year, B # 1 has been making small payments to AmEx and seeking smaller payment plan options without closing the account. The problem would never been a problem if the " pay over time '' feature was n't removed. That is the single reason payments became delinquent. AmEx explained to me that the feature was removed as " protection '' for me due to the credit bereau 's reports about my high credit to debt ration. I said it did the opposite and made it impossible for me to catch back up. As of XXXX XXXX, I told AmEx I needed a payment plan without closing the card, since the only reason we fell behind was due to the " pay over time '' feature being suspended. I told them I could make larger payments which still were smaller than the minimum amount due if they would n't close my card. AmEx could not offer any guarantee that they would not close my card. So I am stuck in a situation where I can continue making payments all without the guarantee that they would not close my card. If they close my card, it hurts my credit and lose over 70k of rewards points attached to the card. On top of this, I have another account with AmEx for the new business where payments are current.