davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account. 

I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX. 

No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I started the refinance process on 2 of my properties with 5/3 bank at the end of XX/XX/2020. I contacted them approximately 2-3 weeks after I submitted the paperwork and was given the run around. The mortgage official would not return emails or phone calls. Once I received a response I was told it would take 30-60 days. It quickly changed to 60-90 days. I am a few days away from the 90th day and I still have not closed and do not have a close date. This program was under their easy refinance program. If I start the process with another mortgage company I will be charged the appraisal and other fees from 5/3 bank. I have co workers that have purchased and refinanced homes starting in XXXX with less than a 30 day close with other financial institutions. My credit is north of XXXX and I make XXXX per year. Will you please look into this for me? 
Thx
Consumer complaint received 2023-02-05
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX XXXX 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 2021-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CT)

On XX/XX/2021 I received a letter in the mail with a final notice regarding my student loans stating that I needed to make a call to XXXX to be eligible for a payment and loan consolidation program. On XX/XX/2021, I called the number and spoke with a representative XXXX, who informed me that I was eligible for the public service loan forgiveness program in which I would pay {$39.00} for 120 months and after the XXXX months my loans would be forgiven. He said I would have to pay {$1600.00} in doc fees but I was eligible for deductions and it cut down that price to {$990.00}. He then gave me XXXX options pay XXXX payments of {$330.00} or XXXX payments of {$390.00} in which I chose the second option. I provided my bank account information. He also before starting changed my password for my FSA ID ( which I realized after ). He then sent me a link to my email in which I had to sign off on some documents, which I have attached. I asked XXXX what XXXX XXXX were and he stated that it was the agency they used to sign documents. I confirmed my social and signed the documents and submitted them. He then told me I would have to print and sign and submit some paperwork in order for the payment plan to start. After hanging up I researched XXXX XXXX and realized it was a scam. I called my loan agency ( mohela ) and contacted my bank and Im also monitoring my social through credit karma.
Consumer complaint received 2020-01-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IN)

Navient continues to call friends, family, and place of employment.Navient has been asked both verbally and in writing, including a formal complaint to only contact myself at the provided phone number and address. Navient continues to harass family and friends, and is displaying unethical tactics.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (NY)

Friday XX/XX/2021 My wife was on our home computer when the screen started to flash warning must call XXXX. When I called the number on my Screen a woman answered " Hello this is XXXX my name is XXXX XXXX how can I help you ''. I explained to her that my computer is telling me to call you that there is a problem. She said that someone would call me the number was XXXX it was XXXX XXXX who said he worked for JP Morgan Chase and that there was a problem with my credit card ending with XXXX that someone had charged {$4000.00} in XXXX XXXX. He said that to rectify the situation I would have to XXXX out the account so no other charges would go thru. I would have to get {$3000.00} to him ASAP. He suggested that I go to a major store and get gift cards to cover the {$3000.00}. I went to XXXX while he was on my cell phone and purchased the gift cards against the credit card in question. I asked him where he was calling from and he said XXXX XXXX XXXX, NC and his badge number was XXXX. After purchasing the gift cards I told him the serial numbers on the back of the cards. He told me to stay on the phone and in about ten minutes he said congratulations the {$4000.00} was taken of my account. Then he gave me a complaint number for the XXXX incident which was XXXX. When I got home my wife had spoken to her daughter who told her that it was a scam I immediately called the customer service number and told them the card was lost to stop the transaction. Maybe I should have told them what had happened but I was so upset that I was shaking. I had my computer cleaned by XXXX but didn't want to use it. I'm writing this complaint from work.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (GA)

some body stole my information and opened credit card at home depot. He/She had been using that account since XXXX 2019 with the charge {$3300.00}. The clerk supposed to check customer ID when they purchase large amount with credit card. However, they skipped the step and let the thief sign the signature even not my signature for a few times. One week ago, the Home Depot company sent a notices mail that the problem has already investigated so I closed my account immediately to avoid trouble. However, I got another mail today from Home Depot about they could raise up the interest of the balance if I would not pay in full. I have tried to re-contact Home Depot but they had no idea and they asked me to wait for during the investigation time. is it any way or what i can do to solve my problem?
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (PA)

I contacted Experian to correct some information in their reports. I can not dispute online. Their website does not allow me to do that. It gives phone number. The agent helping me advises me to do it online. I said to her that i can not do that because I spent time already by waiting over the phone. She did not accept my dispute to remove fraught alert over the phone. I had to go to their website again to upload files. There is clear information on their website. their website is not customer friendly. it is like built for not helping to people including their phone system. Their voice recognition on the phone is not working properly. It is again like built for not helping to people. Their website is too limited. It is so difficult to upload documents. When you upload, the size of the document should not be more than 15 KB. if it is bigger than 15KB, you have to resize it first and then upload. When you try fixing the size of the documents and upload it, it is kicking you out of the entrance dispute form. In that case, each time you have to start from the beginning. Fill in the form and upload again. The capability of their website is so limited and after a few times it is not accepting anything and advising you to mail the documents. What is this? They charge so much money. They use our information to make money like credit card referrals all the time and advertisements. They cause for data breach all the time and we have to deal with this silly website. This is very greedy that they are taking so much from us and not giving anything. I urge you to advise these companies to serve better to us. Thank you
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX   XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (TX)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXXXXXX {$460.00} XXXX   XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}
Consumer complaint received 2019-12-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (KY)

I chose this category because it was the closest one that applies. 
I purchased a pickup truck in XXXX of XXXX in XXXX  and got a loan through US Bank which was chosen by the dealer. I got a title in XXXX  and registered the vehicle as usual. In XXXX  the title is issued to the vehicle owner with a lien by the bank until the loan is paid off. After a couple of years I moved to XXXX, became a resident and transferred the registration to XXXX.  In XXXX the bank holds the title until the loan is paid off. Three years later I moved back to XXXX, became a resident and tried to register the vehicle. The courthouse in XXXX  requested the title from the bank by submitting a formal written application. The bank refused to give them the title stating that it is bank company policy to not do state to state title transfers and will hold the title until the loan is paid off if there is less than 6 months left to pay off the loan, which in this case is less than six months. The courthouse has made phone calls to US Bank and I have made calls talking to no less than three customer service reps plus a customer service manager. All have denied giving the title to the courthouse with the same reason as stated above, their company policy. This process was started near the end of XX/XX/XXXX and the bank still won't budge. My temporary tag expired and the courthouse said they can only issue one. Therefore, I can't legally drive my truck. I filed a complaint with a local US Bank in XXXX and he said it would go to a special customer service department because I claimed they were acting illegally. It is still going to take too long to resolve this plus resolving this issue for me doesn't fix the root cause of the problem for all consumers.
Consumer complaint received 2021-03-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

On XX/XX/XXXX, I contacted First Mark Services regarding time urgent need for assistance for deferment on my XXXX  Held loans, to discuss the dire need for help no these loans both due to COVID-19 and two natural disasters which affected my employment in the counties which I reside. I was on hold for two hours, only to be then be disconnected by an inept agent attempting to process the Natural Disaster Forbearance per my request either for the COVID-19 relief, or the other natural disasters affecting my employment occurring in XXXX XXXX ( Wildfires ) and earthquakes in XX/XX/XXXX. 

I am in need of dire assistance with forbearance on these loans, as previously promised to me by First Mark staff -- whom are often extremely inept at assisting me, providing very conflicting information each time. I am requesting immediate assistance from First Mark to ensure that these loans are being processed for the Natural Disaster forbearance as promised previously on my XXXX XXXX  loans. This matter is time urgent.
Consumer complaint received 2023-02-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX mutual in. co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately.

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Account is in violation of 15 USC 1681e ( b ) of the Fair Credit Reporting Act and 15 USC 1681i ( a ). 15 USC 1681 ( a ) 4 invasion of my privacy.15 U.S. Code 1681q - Obtaining information under false pretenses
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (KS)

Description of Complaint : I completely successfully completed both the credit builder loan and the secured credit card program I closed the accounts and was told the refund wiould be delayed untill all pending transactions were completed and all fees and money owed would be deducted from my refunded amount from the loan to pay off both the programs credit card included and thats is what happened then the sent me the remaining funds and told me very clearly I was paid in full no more action needed and I CLOSED and CANCELED that card then I do have the corresponding emails from self to prove this also I was at balance of {$0.00} on this card with no pending transactions or fees. I later several months later I discovered card is still open they have been reporting no payments late pays on my report on an account I never missed or was late with a spotless payment history they told me they charges some kind of interest in a XXXX balance after the card should have been closed and are still reporting neg and refuse my several attempts to have this corrected. I demand they completely remove this false debt and every single payment or late payment from all my credit files and close accounts in good standing on the date it was actually done so they are refusing to comply I have the emails to prove it Im considering legal action against them if they dont comply -- also a complaint with fcra will be filed why would i personally request accounts and card closed after a spotless couple years record of payments with them then wait fort them to close evrerything out to not pay the last so called payment why do i have email proof of closing these accounts yet i find the account is syill open why if that were true has account not been charged off XXXX closed by the time frame required by law? its deliberately left open to continue to harm my credit isint that a criminal charge as well? ive disputed this with the XXXX major reorting agencies with documented proff yet they lie to the XXXX and no recourse?? 

Desired Settlement : Correction to a credit report
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with FIRST POINT COLL company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2020-05-21
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. (WI)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX