davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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: GOLDMAN SACHS BANK USA (TX)

I was eligible for about {$800.00} worth of mygmrewards. I wanted to use them toward my credit card balance, but they would only show up in eligibility and would never transfer over to be useable. I called mygmrewards more than 10 times over the last year, held for hours, and I am always told " It has been escalated, and we can't do anything about it until the team ( whichever tier they claim it was escalated to that day ) is finished with the escalation. A few months into this issue, they just completely removed all of my rewards and didn't credit anything. I still get the same answer every time I call them, and they refuse to allow me to speak to anyone higher than a team lead.
Consumer complaint received 2023-05-12
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. (CA)

Pursuant to the FCRA, it is EXPERIANS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2016-06-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (TX)

I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I have disputed a bankruptcy that was inaccurately reporting on my credit report with Lexis Nexis. I received the attached letter from Lexis Nexis stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with Lexis Nexis and all three credit bureaus : XXXX, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after Lexis Nexis has notified me that it has been removed. It is now 30 days from the date of the letter from Lexis Nexis and the bankruptcy still has not been removed from my credit report.

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, Lexis Nexis, XXXX, XXXX, XXXX delete this bankruptcy immediately.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (OR)

I'm interested in removing escrow from my mortgage with Ally bank. I reached out to them via secure message on XX/XX/23 and have been back and forth with them for over a month. My most recent message came on XX/XX/23. They denied my request and when I ask to see where in my loan documents it says that I can not remove it, they send over a form that actually says : " you may be able to remove escrow '' and has my escrow account option checked as " for now ''. 
I've tried speaking with them on the phone on XX/XX/23 and they refuse to send me the conditions for removing escrow or the form from my loan documents that says I can not remove it. 
If there was a form that I signed that said that I could not remove escrow, I will be satisfied. Since they haven't provided that, I think their denial is for the benefit of their company 's finances. 
Thank you for your help. 
XXXX XXXX
Consumer complaint received 2016-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.
Consumer complaint received 2016-06-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (FL)

I have recently paid this account off yet i still see late payments on this account. initial issue was in XX/XX/XXXX, when making my payment a suntrust representative asked if i wanted to skip a payment and put to end of term. I agreed because i trusted was as innocent as he portrayed. i went on vocation and came back to realize that not only did this guy not push payment to end of term but my car got repossessed. XXXX assured me and apologized for inconvenience and allowed me to get car back with payment all fees. Advised that they will be able to push payment out to end of term and be able to reduce payments to XXXX at no time was this explained that this would be considered a " Modified loan ''. I was tricked into believing i was refinancing. few years later when i was declined for many banks to get a new car loan after my son was born i realized that this account had XXXX late and a repo that was not suppose to show. I called suntrust to also find out that the so called modification they had was for a different vehicle. when i mentioned this to legal they immediately tried to coerce me into signing another modification with 07 nissan 350z because in exchange to remove all late fees on the account. keeping from me important information like GAP coverage may be forfeited, higher overall paid for loan and potential negative aspect on credit report. My vehicle was later involved in a accident and vehicle was paid off. At this time no Late payment were suppose to show on this account and loan modification was suppose to be taken off since they had wrong loan modification paperwork signed on my account and i was not aware i even had a loan modification. I was even told that if i refused to sign new loan modification that they would make me pay the account current by retro modifications back at its so called inception. i called yesterday XXXX and spoke with a lovely representative whom could n't even pull up my information yet suntrust continues to verify this account with credit reporting companies as " Valid ''. When i asked her if she could send information pertaining to account and modification that was on wrong vehicle she said they had nothing. So how can they continue to report information that they ca n't even verify?
Consumer complaint received 2023-05-15
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. (NJ)

In accordance with fair credit reporting act XXXX  act # XXXX XXXX XXXX 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 2023-05-15
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. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Case number : XXXX Account number ending in : XXXX In early XXXX I submitted a claim against XXXX for {$1700.00} because they refused to give a refund originally when I submitted a claim with them. I had to call Wells Fargo to submit a dispute due to no return of service and they temporarily credited my account. Now fast forward, XX/XX/XXXX I received a letter in the mail stating that the claim has been resolved and they would reverse funds on XX/XX/XXXX. On XX/XX/XXXX I called in to Wells Fargo to ask them if they could pull funds on XX/XX/XXXX or XXXX, that way it doesnt interfere with my bills and I can also make sure Wells Fargo gets their money. They submitted a request and when I called in the next day XX/XX/XXXX, they said the request was denied. Now fast forward to XX/XX/XXXX {$1700.00} was drafted from my account. I called in to make a dispute because I didnt know who was pulling money from my account. They informed me that this occurred because of the reversal of credit and then I brought up to them that now my business account is in the negative. This is unacceptable because I was properly handling this from the beginning to make sure My account would not go negative and make sure Wells Fargo was financially taken care of too. I have a phone call verifying that Wells Fargo did a call review and did confirm that I called in to try to have them take the payment out XX/XX/XXXX or XXXX and they denied it. Yet two months later they could just randomly pull out {$1700.00}. And now Im not sure when that money will be paid back because I didnt plan for it and currently on XXXX XXXXXXXX because my XXXX XXXX XXXX XXXXXX/XX/XXXX. This is crazy to me that when I try to properly handle this to make sure Wells Fargo is taken care of, they can deny it but are allowed to take out money whenever from my account without any notice?? 
I also called in multiple times to speak with a supervisor named XXXX and I asked her to send me the disclosure where it states that this is an acceptable thing for Wells Fargo to do and she refused and said I could just look it up online and she ended up hanging up on me. I told her how upset I was that Ive been a customer since 2012 and this is the response that they give for someone thats been a customer in good standing for over 10 years.
Consumer complaint received 2023-05-12
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. (NY)

My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. 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 15 USC 1681. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (CO)

I have repeatedly tried to access my Santander account online. I have had this account for almost 20 years. I got locked out of the online access and the bank will not allow me to access the account unless I go to a branch. The nearest branch is over a XXXX miles from where I now live. Santander is now charging me monthly fees for not using my account.

The bank representatives I spoke to on the phone verified my identity repeatedly, yet they will not reset my password to let me access my account.

Attached are eMails with Santander representatives as well a recent notice of fees charged to my account.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then. 
I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud. 
I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (NY)

My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. 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 15 USC 1681. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven 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 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.
Consumer complaint received 2023-05-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

In early XX/XX/XXXX, I went to KeyBank at XXXX XXXX XXXX XXXX, XXXX, OH and applied for a home equity loan. The loan officer specifically stated that KeyBank would be in touch with me to request income verification. 
My wife and I received letters from KeyBank dated XX/XX/XXXX ; attachments. And I received a letter dated XX/XX/XXXX denying our application; attached. 
The denial letter listed 1 ) Bankruptcy and 2 ) Excessive Obligations in Relation to Income as the reasons for denial.

1 ) KEYBANK NEVER CONTACTED ME OR MY WIFE TO ASCERTAIN OUR INCOME 2 ) A few days after receiving the denial letter, I went to a different KeyBank branch from the one at XXXX XXXX XXXX XXXX and asked an officer there ( XXXX XXXX ) how long prior to an equity loan application would a Chapter XXXX Bankruptcy have to be discharged for it not to be an issue and she said that a Chapter XXXX would have to be discharged two years before the application. MY WIFE 'S CHAPTER XXXX WAS DISCHARGED ON XX/XX/XXXX ( attached ), WHICH IS ALMOST THREE AND A HALF YEARS BEFORE THE APPLICATION. 
Since BOTH of KeyBank 's reasons for denial are bogus, we believe that KeyBank denied our application on the basis of our ages. I was XXXX in XX/XX/XXXX and my wife was XXXX. 
And when I spoke with a KeyBank rep who called because on XX/XX/XXXX, I sent a letter to KeyBank, I asked how KeyBank obtained our income information, she just said " We have it ''. And when I once again asked from where was it obtained, she said again " We have it ''.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (NY)

My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. 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 15 USC 1681. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven 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.