davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My mortgage company XXXX, reported my loan to the credit bureau as missing payments during the forbearance period of Covid 19 for the month of XXXX ( Forbearance period is until XXXX, 2020 ) As a result, my credit score decreased 60 points and as consequence I was declined for a business loan for my company that is necessary to continue in business and to be able to pay our employees.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CA)

Hello, Most of my loans and credit card already paid full, however this information not changed for years. 
A company call me or send messages try solve my student loan debt what I never take. 
A company do request behind me for loan and after send me offers what I never requested!
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

I have repeatedly requested detailed transaction history of the debt that Portfolio Recovery says that I have, they just plain don't respond. I believe there are inaccuracies. This is causing great harm to my credit profile. I never received any validation, nor any type of my right to dispute.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (GA)

On XXXX XXXX, 2017, I inquired online to get interest rates and yields for 5 ( 12-60 months ) staggered American Express Certificate of Deposits. They asked me to log into my Personal Savings Account with them, and select CDs ( 12-month, 24-month, etc. ) that I wanted to learn about, prompting me several times to select the button " Next '', without giving me the information I was seeking. I got tired  and suspicious and, so, I closed my login and the web-browser. Later, I went to their competitor, XXXX XXXX website. Their interest rates and yields were clearly and transparently displayed on their website, and considerably higher than those of American Express Bank and, so, I opened an account with them, selected CDs, and for funding I referred them to my Personal Savings account with American Express. They deposited nominal ( small ) amounts into my account, and asked me to log into my account, and report back to verify. When I logged back into my American Express savings account, I was horrified that they had already withdrawn the entire amount for five CDs from my account. I instantly called their customer service operator and supervisor who told me that it was a " done deal '', I had " bought '' those CDs, and I could pay pre-mature interest penalty and cancel this " sale '' but, otherwise, there was nothing they could do. I wrote a US Certified mail complaint of deceptive " sale '' by the bank ( with copies to Federal and State authorities, and FINRA ), and called back again when I was told that the account was locked by Banking Operations and that someone will get back to me within 7-10 days, but no one did. I wrote another letter, a few days later, when I received a pro forma reply essentially stating the above rule that I could cash these CDs, i.e., rescind this " sale '' after paying a pre-mature interest penalty.
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NC)

I had a XXXX grant, which FedLoan Servicing converted to a loan because they claimed that I did not complete the required yearly statement saying that I was currently XXXX ( which I have been and still am ). I called and sent a letter, stating that I received no communication from them about this yearly statement and had no idea that it was due. They claim that they put messages in my portal. This is unacceptable, because any email I have ever received which said something about a new message being in my portal resulted in me clicking the link and being denied access because of some error on their website. I have received no notifications from them. I have requested that they correct their error and convert the loan back to the teach grant, as it should be. They have refused to acknowledge that I was never notified. This is unacceptable, and any help would be greatly appreciated.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IN)

On XX/XX/year> I took my Cash App card to the ATM they use, XXXX XXXX to withdraw {$800.00} The money did not dispense but my account was charged. I was in contact with the XXXX XXXX manager and she told me she had the ATM balanced and there was an overage of {$800.00} so she can confirm my money didn't suspense. I have filed a complaint with CashApp. Today marks the 10th buisness day, and I have not received an update or a provisional credit which is required under Reg E that they give me one if the investigation is still ongoing.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2020 and XXXX XXXX, 2020. {$100.00} was withdrawn from my checking account using an ATM card no longer in my possession and has not been used in over 6 months. I reported this to Wells Fargo and my claim was denied stating that they found the transactions were made by me or someone I gave permission to, Neither of these are true. I escalated the claim to the Executive office and was basically denied for the same reason. The money was taking out of my sons savings account. I have no idea how someone was able to do this and I refuse to just give away {$200.00}. I read that I should only be liable for {$50.00} if reported timely please confirm this to be true or not.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have been trying to get help with this issue for over a year. A previous creditor " XXXX XXXX '' continues to provide erroneous information in regard to my credit report and they refuse to update my report with accurate information. On my report you will see that in 2018 there was a bankruptcy listed on my credit report. XXXX XXXX was actually apart of the bankruptcy so they are well aware that they are breaking the law by continuing t report the account as charge with continuous lates still to this day. This is drastically affecting my credit and has caused sever unrepairable financial harm. 

XXXX, or negligent non-compliance, XXXX XXXX. XXXX. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages. 

I am also instituting my rights under FCRA XXXX, I would like all documents related to this account. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
Attached you will see proof that they willfully followed the bankruptcy order and then started to report the erroneous information consistently for the last XXXX years. 

The accounts in question are XXXX XXXX account number XXXX, this account should be reporting XXXX owed and no lates. 

Furthermore, you will see the list of previous disputes attached and also proof that they are purposefully reporting erroneous information. 

You will see that you have failed to respond on several occasions to an appropriate investigation.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX, i write to all these XXXX agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.
Consumer complaint received 2015-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I pay my mortgage with direct withdrawal from a bank account with the same bank, Suntrust, that owns my mortgage loan. My payment is a little over {$900.00} a month and I pay {$1100.00} XXXX a month ( I just raised the amount to XXXX from XXXX ) with the additional amount put toward my principal. I have specified multiple times ( verbally and in writing ) that this amount was to be put toward my principal. Several months into paying my mortgage, I started receiving a " Prepayment Notice '' telling me they were applying this extra money to my mortgage payment and not to my principal and that now I did n't need to pay my mortgage for XXXX months. The prepayment notice includes the following phrase : " In accordance with Suntrust policy, any amount received over the minimum monthly payment, may be applied to your principal balance. '' The verb " may '' is of course used here to indicate that early principal repayment is possible, though has not been done in this case - even though I have repeatedly asked that it be done and it was being done. I visited the bank after receiving the first of these notices and a banking representative discussed the situation with the " Exception Payment Processing Department '' to again let them know that I am not prepaying my mortgage, but rather prepaying my principal. Instead of correcting the problem, I now have received another of these Prepayment Notices which indicates that Suntrust is not applying my extra payments to my principal and has not been doing so for long enough to have amounted to full prepayment of XXXX - XXXX entire mortgage payments. This is stealing. Can you please help me and the many others who have had this problem?
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XX/XX/2020 a company with given name " XXXX XXXX '', opened up a brand new credit card in my name, WITHOUT my authorization or knowledge. Company claims to be debt resolution service. I gave them personal information about myself over the phone, being absolutely oblivious to scams ect happening, but never physically sent them any information they requested nor did I consent to ANY of the transactions they would start or make.i never even mailed the packed sent to me, back to them. On XX/XX/2020, I asked my daughter in law to make photo copies of ID, SS Card, and Power bill, to be mailed to XXXX XXXX. She refused until she did some research, in turn she phoned XXXX fraud activity department requesting information on said company, which they could find nothing. She did Not send any of requested documents to that company nor did I. I am XXXX XXXX XXXX and do not get out much with my health not so good. This Said company " XXXX XXXX '' opened 2 brand new credit cards in my name, 1 of which, being Bank Of America on XX/XX/XXXX with credit line of {$6000.00}. They did some sort of balance transfer, unbeknownst to myself. My daughter in law and myself contacted BANK OF AMERICA XXXXaud dept on XX/XX/2020, And spend approximately 1hr 20mins on the phone giving them details in regards to myself NOT opening this account nor giving ANY consent to have this account opened. And at this time also closed the account, as well as gave what information I had about the company whom I believe opened this account and that I certainly did not open or request this new credit card account. As of XX/XX/XXXX I received a letter denying my claim and stated " I must have benefited directly from transactions, but nothing in regards to me never even opening the account to begin with. {$6000.00} card limit, balance due {$6000.00}. On XX/XX/XXXX my daughter in law also cancelled the other credit card opened, by said company with {$9000.00} limit. She put a freeze on all 3 reporting agency, XXXX, XXXX, and XXXX. As well as a fraud alert with all 3 companies. On XX/XX/2020, my daughter in law also contacted the " XXXX XXXX '' with only phone number I have, and requested they stop ANY and ALL current or future doings in regards to myself. 1 final note, on ALL of my bank accouns, credit cards, mortgage, auto insurance, life insurance, health insurance etc., that I have personally established or opened, were done as " XXXX XXXX. My legal name is XXXX XXXX XXXX. I have gone by XXXX since I was a young girl. Everything this company " XXXX XXXX '', did using my legal name XXXX XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (AL)

Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

On XXXX XXXX, 2020, in preparation for closing my account, I transferred all but {$50.00} to my new financial institution, taking into account pending transactions on the account, and leaving sufficient funds to cover any charges. At the time, I used KeyBank 's website to lock my debit card to prevent against future charges. 

The KeyBank website states " When you lock a card, it's temporarily frozen. That means we won't process any new purchases, ATM transactions, or recurring debit card payments until you unlock your card. '' ( screen shot attached ) On XXXX XXXX, 2020, I was charged multiple charges from recurring debit card payment transactions, causing my account to go negative. I called and spoke with a customer service representative who told me that, despite the language on the website, the KeyBank internal policy states that it may take up to XXXX hours for a lock to take effect, and customers are responsible for any charges and overdrafts that occur in that time period. Furthermore, she stated that the internal policy says that all recurring debit card payments, will also be authorized ( e.g. XXXX ). 

This information is in direct conflict with the policies published online. Their website is deceptive and harmful to customers, as it does not align with their internal policies and is punitive to customers. Furthermore, it makes it incrementally more difficult to resolve pending transactions on the account, preventing me from closing the account.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (OK)

In XX/XX/XXXX, our card was compromised and new cards were issued. Our card was frozen to prevent further use. 
However, the company requires two arbitrary conditions to use credit card rewards. The first is that you have to use your card to spend your rewards and that you spend more than the reward total at the time of purchase. 
For example we have {$120.00} in rewards. We tried to spend {$100.00} at XXXX using the {$120.00} in rewards. However, the card was locked thus we were unable to use the rewards. 

Now, the XXXX XXXX removed all the rewards only because new cards were issued. We didn't close any accounts or do anything. They just stole the {$120.00} in rewards. 

Additionally, the rewards are timed with expiration dates. The company is blocking the use of the rewards, taking the rewards away, and thus creating false advertising for the card rewards.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I CHECKED MY CREDIT REPORT AND NOTICED THAT THERE IS ACCOUNTS THAT DONT BELONG TO ME. XXXX XXXX IS THE MAIN ACCOUNT. THIS IS BRINGING ME GREAT DISTRESS AND I CAN NOT CLOSE ON MY NEW HOME NOW. I MAILED IN MY FTC REPORT TO ALL THREE CREDIT COMPANIES AS WELL.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Riverside Mortgage Group, LLC (CO)

Rented an apartment.  Father  was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!
Consumer complaint received 2020-10-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (FL)

I have made payments to an auto loan to get back under 60 days late. keep getting phone calls ever 2 to 3 days asking for more money. I have asked for deferments due to lay off from COVID-19. Found out that the company did not even put notes in the system that I called in XXXX. The company is Hyundai Motor Finance. They are unwilling to help me. They keep calling me after I have made payments telling me they will repo the car. This is Harassment by a bill collector.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OR)

I was enrolled in a paramedic degree for several years. After taking many classes I reached a point were I was denied access to finish classes because of my criminal history from 10 years prior. I was told by the school I could no longer pursue my degree and had to switch. I am now in debt for classes I took that have no value and have to pay for them not knowing from the beginning I wouldnt be allowed to finish my degree I started.