davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
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: GOLDMAN SACHS BANK USA (CA)

I was denied a loan by Goldman Sachs Bank after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were XXXX and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Consumer complaint received 2018-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was denied a loan by XXXX XXXX XXXX after two inquiries provided misleading and inaccurate information. The two companies that provided the derogatory information were Transunion and XXXX XXXX. I have requested specific information from all three entities to elaborate on this information used against me and gotten no response.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

The Chase Mileage Plus Credit Card gives as part of its annual membership reward two lounge passes that can be used at XXXX XXXX XXXX to gain entry. These passes are valid for one year and each XXXX they expire. 

I have tried and failed to use them at XXXX XXXX in XXXX NJ on two separate occasions when they were not accepted by the agent at the gate. 

I called Chase in XX/XX/2018 to request that I be given two new passes as I would be unable to use these before their expiration in XXXX and that is a needless burden on me. 

I was refused my request, also refused request for compensation and refused request for any other adjustments including waiver of annual fee. 

They said they were not responsible for their passes being refused acceptance at XXXX XXXX. I had on prior occasion called XXXX XXXX and they said that the passes were issued by Chase and not by XXXX, I should discuss this matter with them, not XXXX. Chase said the same, I should discuss this with XXXX. 

Bottom line is, I lost use of two passes worth {$130.00} What is the point of a benefit it a ) it can not be used and b ) can not be compensated for upon failure to use. I have been a card member for many years, and this is what they give you.
Consumer complaint received 2022-03-07
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. (MI)

Trans Union has failed to remove inquiries from my consumers credit report. Transunion did not / do not have permissible purpose. I did not give Trans Union my written permission to report anything to my consumers credit report. 
Ive been reaching out to Trans Union via mail/ certified letter with a return receipt to ensure that Trans Union is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Trans Union has completely ignored the law. Trans Union has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Trans Union is also committing aggravated identity theft! Trans Union goes through a third party and take information from that third party and report it to my consumers credit report.
Consumer complaint received 2022-03-07
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. (NY)

Transunion was contacted on XX/XX/22 regarding my score. My score was XXXX. Out of nowhere they dropped my score XXXX points! 

XXXX has the SAME information same accounts and my score was XXXX and they dropped the score XXXX points. 

I called in and they made excuses. Oh you opened up a new account! The only new account I opened was XXXX XXXX. No new accounts besides this one. In addition I reached out to XXXX XXXX and XXXX XXXX who is the CEO both claim to be XXXX XXXX. No late payments, no charge offs, and no delinquencies. I have been a Transunion Customer practically 35 years. In almost 40 years I have not ever seen my score drop this low. 
They are obligated to explain how they came up with almost a 100 point drop. 
Instead they ignore customers and customers all over the world entrust this credit agency to report accuracy. IF there was a bankruptcy or default on my loans I could see it. Each is far from the truth. There are inquiries I don't recognize. I am confused as to what's going on here. 
I am asking where did this drop come from? I opened up 3 accounts XXXX XXXX, XXXX XXXX, and XXXX credit score did not budge. 
No late payments in almost 2 years. No defaults and my credit usage is not 75 %. They are only reporting 3 accounts out of Six. XXXX XXXX is {$120.00}. XXXX is {$300.00} and XXXX XXXX {$470.00}. Three accounts are paid off in full. Please tell us why you drop the score.
Consumer complaint received 2018-12-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (AZ)

I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. 
Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. 

On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. 
When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. 

XXXX XXXX will not take responsibility for the damages.
Consumer complaint received 2022-07-24
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. (NC)

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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 2021-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

In a summary, an Amazon account was opened in my name in late XXXX and I disputed it. In XX/XX/XXXX all of my accounts ( Belk, Lowe 's, XXXX XXXX, Ashley furniture ) with synchrony bank that were all in great standing were all closed without explanation. After pulling my credit report I discovered Amazon was on my credit as delinquent and contacted them in which a representative stated the account was delinquent and that was the reason for my other accounts being closed. I had to open another fraud case with synchrony and XXXX. The account was deemed fraudulent and dismissed around XX/XX/XXXX, but for the last 2 months I have been receiving bills from synchrony. I contacted XXXX  and they stated the account was deleted and recommend filing a complaint.
Consumer complaint received 2018-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2018. This site does not seem appropriate for the type of complaint I have. My complaint/concern relates to information sharing. My personal identity and transaction information some how was provided to XXXX. First let me explain that my identity on XXXX is not the same as my banking information. Yet XXXX suggested a person I conducted business with three times through Wells Fargo 's XXXX service as a possible new friend. 

I called Wells Fargo and was unable to speak to anyone who could address this issue. I called the Federal Reserve Consumer Help line and they said that Wells Fargo was a national bank and not under their jurisdiction. I intend to try to contact XXXX executive offices and the FCC but filed with your agency first because the Federal Reserve Consumer Help desk suggested it.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

Hello dear CFPB Im writing about my Barclays XXXX XXXX Business Card that I applied XX/XX/2018. 

After i applied Barclays reviewed my XXXX XXXX Credit Report i called and was advised to send my driver licence ss card and utility bill which i sent them. After that my application went to business review department which they asked me to send them all business documents and checking account informations fun facts they did not even know how to read and understand article of incorporation documents. Finally after 2 month i got my XXXX XXXX Business Card with {$1000.00} credit limit which was really not what i was expecting so i called them to ask them to increase my card credit limit and after was on hold one hour with lady XXXX  came back and said we are closing your account because we can not see inquiry that was placed when you applied for credit card which is completely false there is inquiry on my XXXX XXXX XX/XX/2018. this is really insane i wasted my 2 month sending them all documents they need and instead of getting credit limit increase they closed my card on false pretext. Again I have very good credit and never been late and very responsible borrower. Please assist me to reopen my business account and get high credit limit. thank you very much
Consumer complaint received 2018-08-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

This debt collector is collecting a payday loan debt from 2012 that was done online XXXX This debt collector National Credit Adjusters as they are called contacts me on both my work phone number and cell phone numbers repeated even after being told not to contact me any further. This debt collector when they contact me on occasion when I have talked with them will not discuss the reason for their contacting me regarding this debt unless I provide them with my personal information even after verifying at least my name and home address or contact numbers as they have them. They want me to verify my social security number and date of birth which is well over the limit of verifiable information if you have already contacted the person you have reached. I have told them after verifying my name and home address and phone numbers if they can not continue the conversation with my personal identifiable information then there is no reason for them ever contacting me and to not contact me again.
Consumer complaint received 2018-12-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

In XX/XX/2018 I began refinancing my home mortgage with XXXX  XXXX XXXX. I have a second mortgage that was sold to Select Portfolio Servicing out of Utah/Florida. To date, SPS has not completed their part of the processing so XXXX  XXXX XXXX can schedule a closing. In conversations with SPSboth customer service reps and a manager, Ive gotten the run aroundsaying it will be completed in 3, 5, 7 days since mid- XXXX. XXXX has talked with them and they tell them the same.
Consumer complaint received 2018-12-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Visio Financial Services Inc. (MS)

Received paperwork stating that the house is in foreclosure but this was during bankruptcy automatic stay company went against the automatic stay and continued to the foreclosure property by ignoring stay. They were still selling the house and closed the bidding when the account was in bankruptcy status ignoring the bankruptcy automatic stay on property The house was placed on the market during bankruptcy. I received a letter after the house was taken off the market but they never to this day advised how much is owed and continue to publish the house for foreclosure after all this time the amount is not accurate and neither one of these parties have a sure amount of what is owed. When I did call they still did not have an accurate amount owed they said they will send me notification as of today 's date there is no notification of the debt owed and how much is constantly different with figures that are higher than normal. The mortgage servicer has placed fees that are unlawful in order to seize the property. Visio and the servicer is not advising the exact amount owed ignored automatic stay but yet they are putting the property back on the market without letting the owner know what is really owed, Not giving the owner time to dispute they are constantly violating the legal right of the property owner. These two companies have two different figures placing property on the market and not advising what is owed. and it is not detailed or structured for anyone to understand what is really owed because of the many fees that are unlawfully placed on the property in foreclosure. Visio is  conducting predatory lending practices and needs to be investigated for discriminatory practices as well. They have deliberately foreclosed property where they advised people that the owner of the property spoken in a derogatory manner by the finance manager XXXX using unlawful tactics in order to seize property the company is engaging in unlawful tactics in order to get property in their possession by the tactics they have displayed during financing and foreclosure the company continue to deceive the owner where they would state that they will renew the terms and at the end of the term refused therefore causing the loan to be in automatic foreclosure status.
Consumer complaint received 2022-03-07
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. (AL)

I received an update on XX/XX/2022, concerning DEPT OF EDUCATION/XXXX XXXX This is my third time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.
Consumer complaint received 2024-05-27
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: Opportunity Financial, LLC (IL)

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from Opportunity Financial. My credit report shows the Opportunity Financial account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company. 

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )
Consumer complaint received 2022-03-07
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (IL)

NAVIENT The following PRIVATE loans were taken out to attend XXXX XXXX in XXXX Loan 1 dated XX/XX/XXXX original principal {$5800.00} Loan 2 dated XX/XX/XXXX original principal {$5200.00} Loan 3 dated XX/XX/XXXX original principal {$5200.00} The last page of each ACCOUNT HISTORY attached shows fraudulent beginning unpaid principal balances of the following and not the correct original principal balances listed above : Loan 1 {$6300.00} Loan 2 {$11000.00} Loan 3 {$11000.00} On XX/XX/XXXX Navient has a resale line item on each of these loans taking off fraudulent amounts.

Loan 1 {$6300.00} Loan 2 {$6400.00} Loan 3 {$6400.00} From XXXX to XX/XX/XXXX 5 YEARS Navient was charging capitalized interest on fraudulent amounts plus on my original loan principal amount. Navient was reporting fraudulent amounts that grew to the credit bureaus creating my credit to be improperly damaged.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I opened a checking account with Chime Bank and used it to transfer my unemployment benefit payments from XXXX XXXXXXXX XXXX to my Chime Bank checking account. After several transfer deposits totaling {$5000.00}, Chime froze my account, asking me to provide proof of my identity. Providing gov't ID was not a condition for opening my account at Chime Bank XXXX I refused since gov't ID was not a condition of opening my account. The position that I stand firm on. Chime closed my account with a balance in the amount of {$5000.00} and emailed me this response. 

" After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement : https : //member.chimebank.com/account-agreement. '' The dates and amounts of my deposits are : XX/XX/20 {$4900.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} I filed a claim through XXXX XXXX XXXXXXXX XXXX but Chime refused to release my funds and transfer them back. I have written Chime by email asking for their legal counsel 's name and address and they have refused to provide this information. 

My position is, no matter what the reason for Chime 's decision to close my account, once making that decision they should either issue a check for the full amount in the closed account and mail it to the address on file, or return the funds back to the original source of the fund 's transfer " XXXX XXXX XXXXXXXX ''. I do not understand what legal bank precedent Chime Bank is using to keep my money.