davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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 (VA)

RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank USA. On XX/XX/2022, I applied for apple credit card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Goldman Sachs Bank USA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the emails you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Your company should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing with this company for months they continue to bully me and disregard my rights as an original creditor and consumer. It has been well over 30 days and they have yet to respond to the letters attached below. I never gave them permission to furnish these accounts on my credit report nor do they have permissible purpose to report this information. There reporting is inaccurate and unlawful. They have ignored FTC reports, police reports, and multiple letters that prove this information is inaccurate. These accounts include a US DEPT OF EDU Acct # XXXX & XXXX XXXX XXXX XXXX Acct # XXXX. This agency is in clear violation of 15 U.S. Code 1681b - Permissible Purposes of consumer reports which protects me from this kind of negligent and unfair reporting.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (FL)

Back in XXXX a dispute with the XXXX was initiated and completed with a XXXX company the company close the account absolved me of the responsibility and agreed to remove the account. The company did state it would be at the bureaus discretion in the letter it lists that if I provide the information to the bureaus, they should remove it, but the creditor can not Per the letter I reached out to all three bureaus XXXX of the XXXX made the proper adjustments and deleted the account however, XXXX has been making it very hard. This has been going on since XXXX. I just completed a dispute in XX/XX/XXXX where they changed the remarks which affected my score negatively despite this is now XXXX years and too old to remain on my report it seems they barely did any investigation because that would have been the first reason to remove it in exactly 7 days. It would have been XXXX years from the closed account as well as I have letters and documents from the creditor and lender saying this can be deleted at this point I am interested in hearing about my options. I can take against XXXX as this is the only bureau that has repeatedly given me issues removing this and its now affecting my score negatively I just took a hit and now I can not apply for business loans after XXXX years of building my credit to the XXXX that its at now .. as stated in the attached document in the last section, it is at the Bureau discretion to remove the account from my credit history. However, they chose to add a remark that affected me negatively. Is there anything I can do legally to make this right if I need to speak to a lawyer, I will because this is getting out of hand and its like the bureau is moving the goal for all the progress. I am trying to make.
Consumer complaint received 2022-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Consumer complaint received 2022-07-25
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. (FL)

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
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I Have Contacted The US Department Of Education Multiple Times. I Was In School During The Time The Loan Was Charged Off. I Stated That Several Times. There Was A Very Short Period Of Time I Was Not Enrolled In School But When I Re Enrolled They Still Expected Payment. Its Partially XXXXXXXX XXXX XXXXXXXX. Now Tih Covid 19 I Found Out That You Can Have Your Payments Waived Due To Covid 19 And They Count As Revamping The Loan To Put It Back Into Active Status Yet They Wont Retroactive It.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FC HoldCo LLC (FL)

Flagship Credit Acceptance has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (NJ)

I disputed 2 charges with XXXX, one from XXXX and one from XXXX and submitted evidence from XXXX that the packages that were out for delivery on the same day, were not delivered and were marked as lost. XXXX did not give me my money back even after I submitted proof XXXX had lost the packages.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The amount is XXXX. They have been illegally taking benefits for the last 6 weeks to pay for a negative charge that I've proven beyond a reasonable doubt is invalid. Even have the other party saying they were trying to refund it. The dispute has been opened for more than 90 days and still no resolution. The investigation team is the poorest excuse for human beings ive ever encountered. This company should not be in business.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I have had to tried over and over for two years to get this off of my credit is a repo now the account is saying closed when it should not of been considered a repo or closed seeing that in XX/XX/XXXX the vehicle was stolen and totaled caught fire the roof had to be cut off and the person who did it was held accountable and thrown into prison I press charges and everything it states on my credit that I didnt make a payment from XXXX I think its a like XX/XX/XXXX which is not true I paid my car payment every month Ive been till XX/XX/XXXX when the car was stolen and totaled I do not believe its fair that this is all my credit is a repo and I have done everything in my power that I can to resolve the issue bottom line is the car was stolen my insurance refused to cover it I am still going back-and-forth with them trying to figure out how I can sue them for not covering a car that I had full coverage on The company is ( XXXX XXXX XXXX ) ( bb & t dealer Financial services ) I have tried to personally contact these people for three years the last letter they sent me back was in XXXX and it was just a paper showing my payment I know where my payment stopped because the car was no longer a car it was totaled Ive done everything in my power to get this off of my credit I am begging you guys to please just take it off
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
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. (FL)

I am filing this complaint today XX/XX/2019 because Experian has ignored my request to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I am currently applying for a home mortgage and that requires a credit check. I already have 2 lines of credit in the form of credit cards. XXXX and XXXX both successfully recognized and verified my personal information and were able to furnish a credit report. Equifax was not able to verify my identity and did not issue a credit report. I was also unable to make an Equifax account on their website and it led to error code NH. I called Equifax on XX/XX/2023 and was told to fax a cover letter including my name, address, and problem along with a copy of my social security card and personal ID card ( drivers license ) to XXXX. I was told on the phone this would take 3-5 business days. I sent this fax on XX/XX/2023 and successfully received a fax confirmation page. I was unable to make an Equifax account on XX/XX/2023 leading to the same error code NH. I called Equifax 's support network again on that day and was told to wait another 5 days. I sent an additional fax of the same information on XX/XX/2023 after this conversation and successfully received a fax confirmation page. I waited until XX/XX/2023 and called Equifax back to ensure they received the faxes, but the Equifax agent informed me that they have no record of my account or having received any faxes. At this point, I have been denied a mortgage due to Equifax. I have sent 2 faxes and waited the appropriate amount of time and the Equifax agency has yet to acknowledge their receipt or issue a credit report.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (TX)

I opened an XXXX checking account on XX/XX/XXXX since they advised I will receive {$250.00} welcome bonus if I make 2 direct deposits within 90 days. 

But I didn't receive the {$250.00} after I made two payroll direct deposit to my account within 90 days. I contacted customer service in XXXX and the representative said I still need to wait 45 days after my second direct deposit ( which deposited on XX/XX/XXXX ) and there is nothing more I need to do since I already fulfilled the direct deposit requirement for welcome bonus. 

On XX/XX/XXXX, I found I still hadn't received any bonus. So I contact customer service again. This time I received a different response. I was told I can not receive the {$250.00} since I didn't have {$1000.00} balance at the end of 90 days after I opened my account ( which should be around XX/XX/XXXX ). But they doesn't mention this {$1000.00} requirement on their disclosure ( and they even changed the new disclosure, a screenshot of the old one is attached ). 

On the disclosure, the only sentence mentioned about {$1000.00} is " XXXX relationship must be open and in good standing with a minimum balance of {$1000.00} to receive promo incentive ''. This sentence doesn't say anything about 90 days. 

So in short, the disclosure said : 1. The Requirement : two direct deposits within 90 days.

2. When to Receive : 90 days after meet requirement ( the second direct deposit ) 3. How to receive : Have a open account with {$1000.00} minimum balance I don't have {$1000.00} balance at my account now, but I could still deposit before the 90th day. But XXXX customer service just told me I am not qualify since they want a {$1000.00} minimum balance on 90th day from the date I open my account ( It is easy to notice that this explanation is different to disclosure ). 

XXXX bank are trying to be dishonest on their promo disclosure and refuse to pay customer the promised bonus. Their first customer representative said I don't need to do anything and would see my bonus in 45 days. And they didn't compliance to it too.
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and XXXX XXXX reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called XXXX and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Consumer complaint received 2021-03-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I apply in XXXX for a refi. with amerisave mortgage co. they slow walk this until XX/XX/XXXXto till me my apps. was exp. wish was done in XXXX. But the mouth  before i was told everthing looked good and we were going to close. My acct. # XXXX.
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

My parents have been paying for a fraudulent loan. Basically the house was paid off and then electronically sold. They are just the kind of folks who pay the bills as they come in. The house went default last year in XXXX through the XXXX XXXX PHH mortgage. After getting added to the loan as an authorized user, I was able to identify that payment were skipped. Im so even though subsequent payments were made skipped payments went XXXX XXXX default and subsequently the house was elected for sale. I was able to identify the one skipped payment and so after getting a quote for reinstatement and before wiring the money, the one skipped was addressed by our family, riding a check for that amount of the one payment, then in the for box of the check in that exact payment. They cashed that check before the wire was accepted so reinstatement of the house happened in XX/XX/XXXX or so of XXXX and it was done in the form of a rescission filed with the county so after saving the house, I intimately researched this loan, and I discovered all of it is illegal down to XXXX XXXX being alone, taking out my fathers initials, not even his name, and XXXX XXXX XXXX, which is a first mortgage company being the payment instrument in the form of a check recipient after studying the principal owners of the XXXX XXXX XXXX XXXX, which received a payment instrument of this mortgage I discovered that the principal owners were convicted of fraud at a later date are not convicted, but settled Fraud allegations at a later date with the SEC. The loan was apparently taken out in XXXX, but Ive discovered it all to be fraud so much that Ive also found a class action lawsuit on the matter. PHH giving out foreclosure notices illegally and basically they skipped a payment. Intentionally did an app apply one month so that the house would intentionally go into default so that they can dispose of the evidence of a fraud.