davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (MI)

GM Financial On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached GMC responded ( ( GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
Our records indicate on XX/XX/2020, an application was submitted by XXXX XXXX XXXX on your behalf to GM Financial for a XXXX XXXX XXXX. Therefore, the credit inquiry you have disputed was permissible and will not be removed from your credit file. For additional information regarding the above credit inquiry, please contact the dealerships listed above. ) ) ) The complaint never argued whether or not the inquiries were done but stated that my rights as a consumer was violated because I as the consumer never consented to you providing my information to a third party. This report was published without my consent. Again, I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. If you are able to furnish proof of this consent to furnish my personal information- I would gladly review it. You have validated my rights and I demand removal from all platforms.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately. ( I C SYSTEM ( XXXX XXXX XXXX ) ***** Opened date : XX/XX/2021 Balance {$1100.00} ) This company is attempting to collect on an out of statute debt. This is against the law, per the Fair Debt Collection Practices Act. Perhaps that doesnt matter to you, but it matters to me. In addition, this company has chosen to illegally add fees, clearly in noncompliance with the Fair Debt Collection Practices Act. Please provide proof that this account belongs to me along with documentation stating your FCC clearance and that you have not abrogated my rights in reporting this debt.
Consumer complaint received 2021-10-06
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. (IL)

Experian is reporting and u verified collection on credit report by XXXX XXXX XXXX in the amount of XXXX. Both experian and XXXX XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract agreeing to pay this amount bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (NC)

Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio.

Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in 48. Stay low and I can qualify for FHA.Even my son was suppose to be my cosigner and they state isn't approved. 

The firts company is NVR Mortgage The name of Loan processor XXXX XXXX. 
Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX 2021.He pre-approved me for it. I got unemployed XX/XX/2021. 
I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. 
One at sesalons pay with w2. And XXXX XXXX pay 1099. 
All paystuff submitted by email to him. 
Even my son pay stuff. 

I haven received the declined loan letter. 

Just a phone call by him saying he only use my base salary he can't use 1099. 
And he just called me today again XXXX XX/XX/XXXX at XXXXXXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. 
I had putted XXXX in down-payment. Wich XXXXXXXX XXXX refunded to me.he also said I'll be getting the declined loan letter in 10 days. 

Second company I applied to is The XXXX XXXX of XXXX XXXX. 
I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. 

Yes I have been a victim of boycotting and racism.. 
XXXX XXXX license XXXX Loan number XXXX And XXXX XXXX XXXX she/her/hers Branch Manager XXXX # XXXX OfficeXXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and contract.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (OH)

Flag Star Took over a non funded in good standing account and then ran up " maintenance fees '' to over {$100.00} in a predatory manor that not only was done with out my knowledge and are working in affilation with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was notified by Bank of America on XX/XX/XXXX that suspicious charges appeared on my credit card. I filed a fraud claim and received a resolution in early XXXX starting that my charges had been resolved. 

I was then notified on XX/XX/XXXX that the merchant of said charges XXXX XXXX XXXX XXXX XXXX opened a billing dispute with Bank of America regarding my fraud claim. XXXX XXXX XXXX claimed that they have my name, email, and shipping address, proving that I made and received the purchases in question. 

The charges have since been placed back on my credit card statement and Bank of America says that I am responsible to pay for these fraudulent purchases. 

I have spent 10+ hours on the phone with Bank of America and XXXX XXXX XXXX and have so far received no resolution to these charges which total over {$1200.00}. 

I have spoken with multiple supervisors and escalated my claim to the highest level available to me and still I have received no resolution. 

I am now expected to pay over {$1200.00} in unjust charges on my next billing statement or risk harming my credit and incurring debt. 

I have never participated in a transaction with XXXX XXXX XXXX, I have no accounts open with them. This purchase quantity is wildly out of character for my spending habits.
Consumer complaint received 2021-09-20
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. (NV)

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, Equifax and XXXX. XXXX XXXX has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, Equifax and XXXX was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXX XXXX  false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (OH)

This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
Consumer complaint received 2021-09-20
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. (NV)

To Whom it may Concern, I have attempted multiple time to remove negative marks and the balance posting on my account with XXXX, XXXX and Transunion. XXXX XXXX  has not been responsive to my complaints so I need the credit reporting agencies to fix the inaccuracies based on my supporting documentation. 

XXXX, XXXX and Transunion was contacted multiple times in XX/XX/2020 to the current date through a credit repair agency regarding XXXXXXXX XXXX false reporting on my credit. I have documents showing the inaccurate reporting and ask that these negative marks be removed due based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

For years we had our accounts with USAA ( United States Auto Association ) setup to pull overdrafts from our savings account. If for some reason we did not have enough money in our savings account the money would be applied to a credit card. Within the last two years we have been hit with NSF fees even when money was in our savings account. They have also stopped drawing from our credit cards opting to instead bounce the transaction and then charging us a {$29.00} free. They say nothing has changed but we never got hit with fees until XXXX. The latest transactions occurred XX/XX/XXXX incurring a {$29.00} fee. Something that they also do is they will send checks to the company that we are trying to pay and when that check bounces they hit us with a bounce check fee.
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been taking advantage of due to malpractice while several laws have been broken under the FCRA by your company. This is causing me financial injury and defamation of character. I am unable to get a job or apply for credit. This has hurt the credibility of hurting my credit.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I recently purchased a townhome in XXXX. When I went to closing the bank charged me {$6000.00} in what they called points. I had no choice but to close because the movers were waiting for me to close to deliver my goods. 
No one at the mtg Co. Quicken Loans ever divested to me I would have to pay for any points. When I contacted the mtg co they more or less said too bad. 
How can I get my money back? I do not have the financial means to allow this to happen. 
Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instructions Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my husband and I signed a joint loan contract with Capital One at one of their approved auto dealers. A month later we had not been provided with additional information from Capital One in regards to our account number or how to make payments. We had however received our XXXX issued title with Capital One listed as the lienholder. I contacted Capital One on XX/XX/XXXX to obtain this information and was told that the contract had not been received and we would need to speak with the dealer. My husband spoke with the dealer the same day and was provided with documentation showing that Capital One did receive this documentation on XX/XX/XXXX. On XX/XX/XXXX I contacted Capital One again to try and resolve this situation and was told that the documents that were signed on XX/XX/XXXX had expired and we would need to return to the dealer to sign new documentation and our credit would be pulled a second time. The next day my husband and I received notifications from XXXX XXXX that their had been a new inquiry on our credit from Capital One. I contacted Capital One again today and was advised by a supervisor that the contract had expired, but the credit application had not which is why credit was pulled a second time. This contradicted what I had been told on XXXX as the representative on that call had stated that new documents would need to be signed before credit would be pulled again. Additionally Capital One stated that as the second credit inquiry had caused mine and my husband 's credit scores to drop they could not guarantee that the new loan would have the same terms as what was outlined in the initial contract signed on XX/XX/XXXX or that the second application would be approved. As a result of this error that was not caused by me or my husband Capital One will now be offering credit at less favorable terms than the original signed loan contract, or decline this second application all together.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When my husband passed away years ago he always handled our finances. When I met my new husband he started to check on our finances and was shocked to discover we owed {$12000.00} in back property taxes from XXXX through XXXX for XXXX County XXXX.. We paid them on XX/XX/XXXX during the COVID pandemic and spent six months trying to find my late husband 's records to see why Bank of America had not paid these out of our escrow payments. 

Then in XXXX of this year, we sold the house and were told prior to closing we owed an ADDITIONAL {$11000.00} in property taxes for the same period to XXXX County. After this shock, we stopped by a branch to get the missing payment records. The mortgage had since been sold to XXXX XXXX  in XXXX (? ) and they had paid the taxes promptly ever since. 

We formally requested Bank of America, by phone, XXXX for all the records covering the mortgage since XXXX when we first bought the property. We called on XX/XX/XXXX and again on XX/XX/XXXX and both times received spotty records that did NOT cover the years XXXX through XXXX. 

We are requesting you to find out what happened to the escrow accounts and where the money went? Who is responsible for the interest and penalties?
Consumer complaint received 2021-08-20
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: WELLS FARGO & COMPANY (FL)

Wells Fargo checked my credit XX/XX/2021 and I did not authorize them to do so. It is on my credit report. I have no credit cards nor loans with Wells Fargo. I have not applied for anything at Wells Fargo. 

Last updated Today Credit Alert New Inquiry Wf Crd Svc XX/XX/2021 from XXXX
Consumer complaint received 2021-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC (OH)

Due to unforeseen circumstances, I was behind in my loan of {$1200.00} that I received with West side Lending back in XXXX of XXXX. They reached out to me XX/XX/XXXX to make payments, I agreed initially ( Keep in mind, they never sent an agreement contract via emailno nothing! ) just word of mouth asking if Id start making payments of {$100.00} a week. But Im genuinely struggling!! 

So they werent successful that following week to pull a payment out of my account because I had other bills and whatnot coming out of my account. So as of today XX/XX/XXXX ... I check my account to se e that they pulled an UNAUTHORIZED random payment out of my XXXX account!!! Im extremely XXXX!!! And I want my money back in my account!!! ASAP!!!!
Consumer complaint received 2022-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner.