davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

on XXXX i XXXX : XXXX applied for a SYCHRONY BANK CARE CREDIT CARD on behalf of XXXX XXXX XXXX Ref id number XXXX I was denied XX/XX/2023 and sent an affidavit on XX/XX/2023 with return receipt requested mail, demanding my credit decision be overturned due to my application being monetized, and the securities from of my application being deposited into their institution. Because they denied me access to my credit that was created with my application as a promise to pay. My application became my negotiable instrument which became my collateral and was deposited per 12 USC 1141 ( g ) ( 2 ) They are are violating the Equal Credit Opportunity Act and Securities Fraud Act under 18USC 1348, The law clearly states that all applications that are not returned must be approved. 15 USC 1691 ( a ) clearly states " it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction scation. Failure to comply is defined as adverse action against a consumer, which is illegal. '' I did receive an email back that were going to look into it but since then nothing has happened, im going to file a civil cover sheet
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (NJ)

I have signed up with a Debt Consolidation company, XXXX XXXX XXXX  months ago. Best Egg, the loan company in question agreed to a settlement almost right away and has been receiving regular monthly payments for XXXX  months. In XXXX and after receiving 11 payments they suddenly reported my account as 60 days late and again this past month reported my account as late. I never expected to have everyone report on time payments through this process. I know it is my mistake and my stupidity that I am in this situation, but I never expected that after receiving agreed upon payments and on time payments for a year that a company would all of a sudden decide to do this. This can not be right. 
Best Egg Owed {$3500.00} Agreed Settlement {$1800.00} 13 of 24 payments have been made on time
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

This issue its already been for 3 months already and my feet got injury and someone harassing me by calling me everyday even I block his number ; bank doesnt help me to let me us my own belongs without telling me anything. I dont understand no one tell me anything about what happened, and they play metal games, I receive so many suspicious mails and I dont know which one is the real which one is not ; who is the real agent and who is the fake. I may going end up in mental health, I dont even know what did I do, I just told the person to stop and he just threatening me and show the XXXX in his profile picture and he keep calling me and never stop, I dont know why he is still here bothering me since I report long time ago. I dont know why being discriminated about what I had been report but never get responds and I dont know why I have to take the mental and physical abuse, and stop me to work and I cant use my saving. Thats not right
Consumer complaint received 2023-12-10
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-21
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. (MI)

XXXX XXXX had a case against them regarding their violations, and they continue to fraud people and violate the federal and state laws. As well as Experian. 

Proof : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-charges-transunion-and-senior-executive-john-danaher-with-violating-law-enforcement-order/
Consumer complaint received 2022-11-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-03
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I settled my debt wit h Navient th rough their collection agency named  XXXX   XXXX  with reference #  XXXX   XXXX  charged to my credit card.   i have been asking them for a letter form them showing my settelment with my account so i can send to credit reporting agency  XXXX  insted they report to agency on  XXXX   XXXX  that i still owe the full amount NOT true. my call was on Thursday  XXXX   XXXX .   i called   XXXX   and they told me  Navient sen t them falls report on  XXXX   XXXX  saying i still owe them full amount. as a result i am enable to clean my record and not able to continue my life back to normal . Navient is   NOT honest with me and damaging my credit. please help. i have all supporting documents showed i paid and settled my account.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the

consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX 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 ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (GA)

When I took out a second loan with Titlemax on a second vehicle, I was told that both loans would be combined into XXXX account. This was not done. A second account was created instead which I had no access to. I paid my visible account as agreed, but the other ( which was filed under an erroneous phone number ), went delinquent. Noticing that my payment was less than I expected, I called the store. They assured me that my account was up to date and did not inform me of the second, delinquent account. On XXXX XXXX, XXXX, my van was repossessed without any notice or subsequent information. I had no idea where the van went! After investigation, I discovered the second account through the vehicle VIN. I paid off the loan in full, but Titlemax refuses to pay to return the vehicle- which was towed XXXX miles away! Since the vehicle was temporarily inoperable when it was towed, I can not simply drive it home. Titlemax stated emphatically that they never return vehicles for any reason, even if the error is theirs. They claim I should have noticed the errors when I signed the contract and should be thankful not to be charged additional fees!
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AR)

I contacted this company in regards to a Bankruptcy they are reporting on my consumer and Lexis Nexis report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!
Consumer complaint received 2023-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc. (GA)

On Monday, XX/XX/2023 I saw that my XXXX credit score went down XXXX points on XXXX This was due to Grain Technology Inc reporting my account as 30 days late. I have made all of the required minimum payments and I was confused on why it was reporting as late. I have tried connecting with them over the phone, but the number they have on file does not route to a representative to help you. 

I have disputed this claim with all XXXX bureaus. I noticed that Grain has updated my XXXX credit report from 30 days past due to 60 days past due even though the XXXX payment is due on XX/XX/2023. It hasn't even been a full month since the minimum payment for XXXX, so I am confused on how this payment is 30 days past due and I am unable to get in touch with anyone over the phone.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$7500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5500.00} XXXXXXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (WI)

I am a victim of identity theft and was reviewing my credit report this fall to check for accuracy. On XX/XX/XXXX and XX/XX/XXXX I was denied an attempted to dispute an address on my credit report because two debts that are not mine is reporting to this unknown address.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I am trying to get the money in my account transferred to another account. I don't know the password because my estranged husband won't tell me what it is. The people at the bank don't speak or understand enough XXXX to help me take care of this. I am ill and desperately need this money moved to my new bank so I can pay rent, buy food, etc. I've been trying to get this done for at least a month, but no luck. Aren't they required to hire people who speak or understand XXXX? 
I am XXXX XXXX XXXX and, as I said, ill. Aren't banks required to hire people so can communicate with their customers? 
I consider this exploitation or maybe even elder abuse!
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2024 : A wire transfer was made to an entity called XXXX XXXX XXXX ; amount = XXXX USD from my XXXX XXXX account. The recipient turned out to be a money mule for the investment scam at XXXX XXXX. No goods or services were provided. I have created a wire transfer recall request CASE # XXXX with XXXX XXXX XXXX  on XX/XX/ and so far have not heard back on my request
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX 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 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
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (DC)

Hello Today is XX/XX/23 and this IS NOT A DUPLICATE. This is a complaint regarding Apple Card and their reporting on my XXXX credit report as there is yet another inaccurate reporting that has cause me hardship. I submitted a complaint before to no avail and now I am asking the CFPB to step and and hold GS-Apple Card accountable for their failure to accurately report information on a consumers report per 15 USC 1681a . This is the second time my score has decreased by more than 70 points. This is not only causing me stress but the inaccuracies are affecting my dealings in commerce. Lastly its my understanding that GS Apple Card has an arbitration agreement and that agreement was not followed during the closing of the accounts. Lastly I XXXX XXXX am technically an investor with Apple Card as I am that my application, transactions, and other deposits of this account was being utilized with benefit to me the beneficiary XXXX XXXX : XXXX
Consumer complaint received 2023-07-10
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Im almost done with college in my senior year. Ive been applying for jobs via XXXX and I was scammed with a person posing as a real company. I checked a bunch of information on this company and after two rounds of interviews I was sent a check after I signed a hiring contract. The check was bogus and contacted chase immediately. They said ok we need to wait for the check to return then we can open you a new account number so it will be safe. They opened me a new checking account and then I deposited money and did normal transactions that were the same as my previous account. They froze my account and flagged it for fraud! They took my funds and refuse to give me back my deposits or give me access to my account.
Consumer complaint received 2018-07-19
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. (CA)

2nd Amendment with Additional Dispute with Transunion Unknown and Approved Credit Inquiries to Complaint -- XXXX about TRANSUNION. 

Transunion refused to allow me to dispute the following inquiries as have not applied for any credit with the following companies, banks, loan servicing entities, and I am disputing : 1. XXXX XXXX, Inquiry XX/XX/XXXX, not my request 2. XXXX XXXX XXXX, Inquiry XX/XX/XXXX, not my request 3. XXXX XXXX, inquiry XX/XX/XXXX, not my request 4. Duplicated Transunion Interactive, inquiry three three ( 3 ) on XX/XX/XXXX, not my request 5. Duplicated Transunion Interactive, inquiry three times ( 3 ) on XX/XX/XXXX, not my request 6. XXXX XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request and duplicated 7.XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request 8.   XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my request 9. XXXX XXXX, inquiry XX/XX/XXXX, not my request
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

We are victims of SIM Swapping. On XX/XX/2023, The hacker transferred our phone numbers to their devices and gained access to our banks. With the number being transferred to their device, they could falsely authenticate the verification code being sent from the bank. They then proceeded to wire money out of our accounts.

We noticed there was a fraud transfer, so we called Chase Bank and requested to stop the wire transfer in progress. However, it seems Chase did not stop the transfer as requested, the fund was deducted from our account.

We are complaining that Chase Bank did not do its part in securing our assets. We would like Chase to refund our loss due to their errors.