davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (AR)

I did a prequalification with GM Financial on XX/XX/year>. It stated at the top of the page that doing the prequalification would not affect my credit score, yet they sent my information to a local dealership ( XXXX ) and the dealership immediately put a hard inquiry on my credit report from the information that GM Financial sent them. I felt good about filling it out since it clearly stated on the same page as the information I was filling in, that it would not affect my credit score and that it was a prequalification only. I looked at my credit afterwards and there was a hard inquiry from XXXX, the local dealership. I called them and they said their system automatically runs it when GM Financial sent my information and there was nothing they could do and I should call GM Financial. I called GM Financial and they wouldn't even let me speak with a manager. They said since they didn't run my credit then there was nothing they could and I should call XXXX. No one would tell me what I needed to do or offered any help on the situation. How can you have a website that tells you that doing the prequalification will not affect your credit but then send you information to a local dealership that will automatically run your credit and put a hard inquiry on it? This is fraud and at the very least, it is terrible business practices.
Consumer complaint received 2024-01-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

I am getting a divorce My loan is VA/assumable I was told the qualification is quite simple with signature of ex or judges orders. 
Flagstar bank refuses to give me any assistance, the judge needs to see I am able to qualify for the assumption and refused to allow me the opportunity to assume the loan without that information from Flagstar.

Flagstar will not even allow me to speak to a lender without the order from the judge and no one else can tell me the parameters required to qualify so I can show qualification through another lender. 
Because of their unreasonable stance I will lose my home. 

XXXX XXXX
Consumer complaint received 2023-07-13
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)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX : XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

I have a TJMAXX card that I can use everywhere and recently noticed they are charging me a fee {$1.00} for a paper statement. They want me to go online to see my monthly statement. I don't want to use online because of the risk of hacking, most companies just don't have the security they need to fully protect their clients. 

This card is serviced by SYNCB. 

This action forces a person to have access to internet/online capabilities, many people do not. I realize I can close account and move on, but SYNCB serves many companies, i.e. XXXX for one, I am sure there are many more. When you add up the {$1.00} monthly charge for paper statement, this is millions of dollars that the consumer is expected to pay. 

Sending a paper statement via XXXX XXXX, is their cost of doing business and should not be past on to the consumer.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATE XXXX XXXX
Consumer complaint received 2024-09-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (TX)

I received a {$50.00} gift card from my friend on XX/XX/2024 I tried using it the next day it did not work granted I thought it was the system where I was using it that was not working properly no I tried it at another location same issue so I decided to call them granted is only {$50.00} but its money none the less and it was a gift so I wanted to enjoy it I called them they opened up a claim # which I still have I gave them all my information so they could make a claim they did they told send us the receipts the card package and anything else that you have so we can document it agreed sent it and I continuously checked my email and called just to keep track of it nothing really changed stayed the same a month passed and since I never did receive anything I called again and asked they couldnt respond to me and then a few days later I got an email apparently the documents I had sent were not enough proof over the purchase of the gift card so I called them spoke to someone else and they stayed well we cant define where it was purchased and so forth so I asked what more do you need they told me the same thing again receipt and so forth I sent them and then a couple days later I called again they said yes it will take 30 days to fix the issue nothing has changed and they just now sent me another email stating the same thing we need more documents to continue with the claim I dont know what else they need bc I sent them all they needed it should be a simple problem to be resolved but now they are changing what they had said and its back to the same thing all because they cant fix it I want the {$50.00} gift card to be good for me to use I am not wanting to loose that money
Consumer complaint received 2015-11-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (AL)

This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. 

As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. 

If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. 

Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you.
Consumer complaint received 2018-09-30
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: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX has re-aged the DOFD in violation of the FCRA. This is a XXXX   account. Pursuant to the FCRA, the DOFD has to be reported within 90 days of reporting. This time as since past years ago ; and, this account has been actively and erroneously been reporting on my credit files since XX/XX/2016 until the present time. I would like it DELETED in its entirety.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/year> my car was stolen and my debit card was inside of my vehicle. The individuals who stole my vehicle made a total of {$260.00} in unauthorized transactions. I have filed a dispute on three separate occasions with my bank ( Chime ) They have denied my claim each time and have refused to let me know what additional information is needed to approve my claim. I sent them a copy of the police report along with screenshots of where I was located in comparison to the locations of where my card was used without my knowledge. I have spoken to several managers in the fraud department, and they all have said that the only thing that I can do is file another dispute.
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable for this debt-repossession with XXXX XXXX XXXX XXXX I do not have a contract with them. The debt listed on my credit report does not belong to me. I never leased or financed a car with this dealer. This is fraudulent, I looked at my credit report and noticed an unusal auto loan dept, It was completely unauthorized. done without my consent I believe someone possibly stole my identity and got a car under my creditinals. Please kindly I ask that you remove this debt repossession off my credit report, Ive spoke with XXXX XXXX they agreed to remove this remark.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am a XXXX veteran. I had fallen and I told the ambulance driver to take me to VA hospital, they said no they will kill you there. I have spoken to XXXX. XXXX they were supposed to have this taken off. I have been unable to get Experian to take it off. I have a company who bought my lien from XXXX. That was supposed to have been taken care of when I filed bankruptcy XX/XX/XXXX. I have been trying to keep my house from foreclosure. XXXX a company I had never heard of sent me a certified letter telling me I had 6 days to come up with XXXX for a XXXX. Loan I had been making payments since XX/XX/XXXX. I am going to close on XXXX XXXX. My interest is at 11 % I had paid my XXXX mortgage XX/XX/XXXX they never contacted me. I have been ripped off by attorneys, XXXX that tried putting me through another chapter XXXX, XXXX kept XXXX. The other was through legal aid. XXXX XXXX XXXX a month after 4 month 's told me they did n't have jurisdiction in Texas took 3 months to get my money back. XXXX took XXXX a month for 6 -7 month 's, told me that they could n't help after telling me lies. I have not received my money or anything showing what they did for me. I never went through bankruptcy but they say it will stay on my credit report for 7 years. My credit score has cost me XXXX and I do n't know why they are able to destroy you. Why was XXXX never on my credit report, why did I just have 6 days to keep my house.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a fraudulent account on my consumer report that I am highly displeased with. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (NC)

on XXXX a deposit of {$7500.00} was deposited into my XXXX account with navy federal credit union.on that same day starting at XXXXXXXX XXXX  XX/XX/23 I had authorized several payments for 13 different credit card accounts to be paid through ACH and debit card transactions from my XXXX checking account XXXXBut on XXXX XXXX i woke up to a notification on my phone, stating that deposited funds was available for a deposit of $ XXXXwas deposited into my XXXX checking account ending in XXXX, As of XX/XX/23 at XXXX XXXX XXXX the available balance was {$85.00}. Which upon me becoming aware of the transaction from a notification on my phone, I logged into my banking app and my checking account balance stated {$430.00} but my email notification stated another balance of {$85.00}, Which after calling navy federal credit union that morning of XXXX in reference to the transfer for the amount of {$1100.00}. I was told that the automated system did the transfer. for which i asked for what reason did the system feel the ned to transfer money from my savings to my checking being that my checking has sufficient amount of funds to cover payment for all of my debt and ach transactions plus more? I then went to navy federal credit union XXXX XXXX location in XXXX, nc and scheduled am appointment to speak to a physical banker, which i was scheduled an appointment for XXXX XX/XX/23 .that i kept and met with a banker by the name of XXXX after i explained to him mysituation and as he acknowledged my problem and reconized that my dispute was legitamate. he then went to get authorization from his supervisor, to return with illegitame excuse to not return funds missing from my account.which i then gave him a more legitamate response and he went back and spoke with his supervisor to later return along with his supervisor .Whuch i stated to him as well that my statement was totally incorrect and he refuse to caculate my deposits, debits and withdrawls. to prove accuraccy. Which i then left because the bank manager refuse to calculate funds all together toprove that money was missing from both my accounts and acknowledge that my bank statement was totally incorrect. By acknowledging that navy federal had taking money from me and i was owed a refundin return.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report that requires correction. After a careful review of my credit report, I noticed that there are late payment entries for XXXX XXXX XXXX XXXX XXXX listed on my account. I would like to request your assistance in investigating and correcting this inaccurately reported information on my credit file.
Consumer complaint received 2024-01-23
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. (GA)

I sent XXXX a debt validation letter and they were unable to provide me with validation I will attach what XXXX sent me this is not a debt validation please delete from my credit immediately they have not provided me with a contract with my signature
Consumer complaint received 2020-08-11
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (TX)

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear SANTANDER CONSUMER USA, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. 

It has come to my attention that SANTANDER CONSUMER USA has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing SANTANDER CONSUMER USA from my credit report. 

Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with SANTANDER CONSUMER USA, and I am under no legal obligation to do so. 

In accordance with Texas-specific laws, I refer to the following sections : 1. Texas Finance Code 392.202 : Unauthorized Access to XXXXonsumer Information - SANTANDER CONSUMER USA accessing my non-personal information without consent is a violation of this code, and I demand an immediate cessation of such activities. 

2. Texas Finance Code 392.202 : Coercive Collection Practices- Attempting to coerce me into paying a debt I am not obligated to pay constitutes a violation of this code. 

Furthermore, the actions taken by SANTANDER CONSUMER USA may also be in violation of federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : - Adding an unauthorized account to my credit report without proper consent is a direct violation of the FCRA. 

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. 

I demand that SANTANDER CONSUMER USA cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX