davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

On XXXX XXXX, 2022, I was at XXXX of XXXX ( AZ ) doing the paperwork to buy my leased vehicle off lease from XXXX. I was told by them that I must go the sales process in order to buy the vehicle. 
Prior to that scheduled date, I arranged for financing with a local credit union, and provided the approval letter from that credit Union ( XXXX XXXX ) to the salesperson, XXXX. She then took out about 15 or so documents for me to approve and/or sign. 

One such document was a Credit Application for XXXX, yet I told XXXX that I am not applying for credit through them, I already have a loan ready to go. She said, and I quote, " ... XXXX requires the buyer to complete and sign the form in order to buy the car ... '' Again, this is the car I have been driving on the lease for 2 years, which I am now buying ) XXXX asked me what the XXXX was offering in rates and terms, and I told her. 
Once we were done, she submitted all the paperwork to the finance team, and XXXX from finance called me into her office. 

The first thing XXXX presented to me was XXXX documents from Mountain America CU in Utah. I asked her what that was, and she said it was for the financing I asked for. I told her that I did not ask for financing, that i had already arranged for financing. 

However, since it appears that Mountain America is a partnered company, since they did the same thing 7 years ago when we bought a different vehicle from them. XXXX stated that Mountain America was a " much better company ... '' yet the rate and terms were identical to XXXX. I told her no, and she grabbed to two forms and shredded them. She was visibly angry that I did that. 
Had this been any other attempt to buy a car, i would have walked out. 

Now I have learned that Mountain America did a credit check, a hard inquiry, which now shows on our credit report. 

I never requested nor approved using Mountain America, yet I now have a hard inquiry on my XXXX report, which will remain for 2 years. 

I asked XXXX ( finance director ) at XXXX to work with Mountain America to remove the inquiry ( which negatively affects my XXXX score ) yet XXXX claims that they are powerless and Mountain America flat out said no, claiming that they would only do if their was a fraudulent application by a 3rd party. 

I have a family account with XXXX which covers all all of our accounts, allows locks and freezes. Yet we now learn that in order to lock our reports on XXXX XXXX and XXXX, we must join both of them and pay for an account. 

I believe XXXX misrepresented to me what the Application form would do, and I believe Mountain America should clearly remove the inquiry, since it was done without my request or approval Lastly, I feel it is wrong that XXXX and XXXX XXXX should allow me to lock my reports without paying them each over {$300.00} a year. 

thank you
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Credit Corporation (FL)

I am unable to speak to a live person concerning an issue with my account. 
Avant -XXXX This is preventing me from resolving the issue. The company sends same form letter over n over and will NOT let me speak to person to discuss/so they can understand to resolve. Runaround to defraud/run up charges. 

NO MORE GENERIC FORM LETTERS. CONTACT ME BY PHONE TO DISCUSS. so I can explain it to you so you can UNDERSTAND.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect (PA)

I have been working on getting my credit score back to par for years and finally this year I have been able to make a pretty big stride. I had three medical transactions/bills that weren't paid off when my State Medicaid insurance went into effect, so I placed a dispute with XXXX and the debt collector realized since I was a Medicaid recipient , that the bills should have been taken care of. Then about a month later this charge for a medical bill owed from back in 2019 surfaced as a debt. It totals around {$53.00}, and should have also been paid and taken care of by Medicaid, however through two disputes, they refuse to drop the debt. I never received a bill from this " said '' debt collector, a phone call or an email. To my knowledge, it didn't exist. They have not tried contacting me, nor have before, and they have had access to my current address/phone number/ email, plus I provided my up to date State Medicaid card in the last dispute.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (PA)

Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

In XX/XX/XXXX I filed an insurance claim to have my roof fixed with XXXX the claim was approved and a three party check was issued in the amount of {$20000.00} and some change. The mortgage company is finding arbitrary reasons not to release the check.

The first the pages of the claim did not have the claim number on each page 26 pages were faxed over.

Then a the docs faxed from XXXX was missing a cover sheet.

Next on t

he XXXX box 3 was not filled in. On the XXXX  th
at the contractors the signature was to light then the date on the form was scratched through and corrected to the current date.

Now the version XXXX is not the current year the version the sent us was XX/XX/XXXX and must be XX/XX/XXXX however this is what was provided to us.

I requested a new XXXX to be faxed to me on XX/XX/XXXX I was told by a person named XXXX it could take up to 24 hrs to receive. I have not received it.

I the

XXXX be faxed to the contractor he has not received it. when you send in a for the mortgage claims it takes 24-36 hr
turn around time for them to review the documents.

I need my roof fixed there is no logical reason it should take 4 months to process a claim check.

In the meantime I also requested a loan payoff sheet from SLS twice and have not received that either.
Consumer complaint received 2022-07-22
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-07-24
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602a STATES, I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604a 2, ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1692d- HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR THE NATURAL CONSEQUENCES OF WHICH IS TO ABUSE THE HEARER OR READER, ( CAUSING XXXX XXXX ) 15 USC 1692b. ACQUISITION OF LOCATION INFORMATION, ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT. TITLE 15- COMMERCE AND TRADE CHAPTER 94 - PRIVACY SUBCHAPTER I- DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NY)

I submitted a dispute regarding my credit report to XXXX XXXX XXXX. They had reported a late payment to various credit bureaus. I notified them the late payment was because of an error on their side, I had no idea there was any charge pending on my credit card, and had not been notified of any charge. They conceded and refunded me all late fees. However, they did not take any action to notify the credit bureaus the late payment report was in error or have that item removed from my credit report. 

Shortly after I submitted the dispute, they just closed my credit card without any notification. It was very clearly retaliation because I had filed a dispute with them.
Consumer complaint received 2020-07-29
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: Amsher Collection Services, Inc. (AL)

XXXX XXXX XXXX released protected health information to a collection agency for medical billing. By law this is a HIPPA violation because XXXX XXXX XXXX is not supposed to even acknowledge that I am a patient without explicit and written consent from me. Also the collection agency is in violation of HIPPA because they continue to report it after being asked several times to remove the protected health information. Medical bills are protected health information because the bill acknowledges that I was a patient with them which violates HIPPA. I  did not give consent for this information to be released.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

I entered the XXXX, NJ branch of Santander Bank located at XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/2022 during normal business hours ( around XXXX EST ). I verified my identity by presenting my current driver license and my Santander debit card with PIN. I requested the balance of my funds from my account. I was told to have a seat and that they would complete my request shortly. Around XXXX, the attendant notified me that the branch was closed and that I needed to return on another day. When I inquired why my withdrawal request was not completed, I was told that they had received " back office approval '. I was not aware of any back-office procedures required to release my demand account funds so I promptly called Santander 's customer service number. I was subsequently told by the customer service center that the branch attendant requested a block on my account. I asked the customer service attendant to use whatever validation procedure is necessary to clear my account and indicated that he was not able to do it. Neither the branch attendant nor the customer service representative attempted to further verify my identity by asking any additional identity or account questions. Santander Bank does not have a valid reason to withhold my funds without making a good faith effort to properly and sufficiently confirm my identity.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was referred to a brokerage by a friend that took XXXX deposits ( totaling {$15000.00} ) from me to setup my own XXXXt account in the XXXX XXXX XXXX. When I tried to withdrawal my money from the account after profiting a XXXX  XXXX dollars, the broker stopped answering all messages and my trading account disappeared. I have a lot more detail and screen shots etc. that can fit in this report including all of the scammer 's bank information. I have also attached details of my initial TCR Complaint and a followup FTC Complaint.
Consumer complaint received 2021-02-12
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. (OR)

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2020-07-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am trying to locate a C D and Money Market Account for my decreased mother, and my joint Bank America Account. 
The last statement I received was XX/XX/2007, from Bank Of America on XXXX XXXX and XXXX XXXX. XXXX, Georgia. 

I closed out her checking account with an Bank Of America Account Manager, after her death in 2007, and was not told about the CD or Money Market accounts. I have been going through old statement in my garage, and run across evidence of the CD and Money Market accounts. 
I contacted the local branch that my mother banked with, and was told that the account was too old to track, and was given the State unclaimed phone number. I contacted Unclaimed Property, and was told that if any funds reported they would still have the record. They confirmed no records found. 
Bank Of America have not been able to confirm with me what happened to the account or revenue. 

They have directed me to several Bank Of America Departments, including Estate Operations, and Escheated department, who stated that they have no record of the account being reported to their system, and if the account was closed it would have been procedure for them to have record of it. XXXX Escalated to a supervisor ) no results found. 
I was redirected again to Georgia unclaimed Property Internal Revenue, dor.georgia.gov. that they should have the records. As previously stated when I contacted Georgia Unclaimed Property I was informed that no such accounts have been reported under my Mother 's name, account numbers, social security number or mine and no evidence, of any such account being reported. I am filing this report with your office, looking for a resolution. 

Respectfully Thanks in advance for your help.
Consumer complaint received 2024-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Massachusetts Educational Financing Authority (MA)

From MEFA 's response to my initial complaint, I asked MEFA to provide a copy of the promissory note showing that I had signed and agreed to receive all paperwork including tax forms in my name for the loan and not my son 's name. A few weeks later, I received a copy of the loan application including the promissory document which was signed online showing my signature but the language they were referring to and claim that I agreed to came in a paragraph after my signature along with a lot of other language in paragraphs after my signature. I have no recollection of ever seeing that language which they claim that I agreed to and since it was an online document signed online, who knows if those paragraphs after my signature even existed when I signed the forms online. Any language after my signature could have been added later and anything in an online document showing after my signature is void from the agreement as far as I am concerned. I don't know if it was there, you don't know if it was there, and why it was not in the document before my signature showing that I agreed to it. There is too much area for fraud with any online document and the possibility of language being added after a signature. Only one party has control of the document. I agreed to what was above my signature only. 

My son still can not get his tax refund from last year due to what I have been told by their payment agency, XXXX XXXX XXXX, is the MEFA policy of placing the co-singer at the primary borrower and placing the paperwork in the co-signers name, and I just got the same 1098E form in my name for this years income taxes and I have no right to claim the interest deduction when my son is making all of the payments including the interest, just as her did last year. He should get the paperwork in his name so that he can claim the deduction for interest paid on his student loan on his income tax forms. I was also told that if we wanted the forms to be received in my sons name then we would have to refinance the loan, which in my opinion is bureaucracy at its worst. There must be a better way to get the documentation in his name.
Consumer complaint received 2018-05-07
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. (GA)

Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my Transunion and XXXX  report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX.  I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.
Consumer complaint received 2021-06-01
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: AMERICAN EXPRESS COMPANY (NV)

Months ago an Amex credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called Amex several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

American Express refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, American Express doesn't care if someone who applies for their cards is real or fake, and if they're fake Amex doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and American Express is failing me for their own gain.
Consumer complaint received 2022-07-22
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. (OH)

I have had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, from XXXX and also from XXXX XXXX XXXX on XX/XX/XXXX, from Experian...