davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (TN)

My SunTrust Bank debit/ATM card was stolen on XX/XX/2019. I reported the theft of my card within hours of the theft on XX/XX/XXXX to the SunTrust Fraud Department. When I notified the SunTrust Fraud Department, I was told that my card had already been used on eight separate transactions totaling {$3200.00} on XX/XX/XXXX. SunTrust stated the bank would investigate this matter, and {$3200.00} would be deposited into my checking account within 10 working days from XX/XX/XXXX. However, I received a letter on XX/XX/2019 from SunTrust dated XX/XX/2019 denying my entire claim. The letter from SunTrust denying my claim is attached to this complaint. I was never contacted by SunTrust nor asked any questions before this final decision was reached to deny my claim. I was not informed why my claim was denied. At the time of the theft of my debit/ATM card, I had {$19000.00} in my checking account. The balance in my checking account had been over {$10000.00} for many months. I have been a SunTrust customer for many years with my payroll checks being deposited into my account every two weeks. I have been traumatized by the theft of my debit card, and now I feel I am being traumatized more by my own bank who refuses to stand by its fiduciary responsibility to protect my money on deposit with SunTrust. The Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) states that the maximum liability for unlawful transfers on  debit cards is {$50.00} OR the total amount of unauthorized transfers. SunTrust 's website gives customers assurances of the safety of their deposits with SunTrust. I have now discovered that SunTrust has many complaints filed with the Consumer Financial Protection Bureau. I hope this complaint aids other bank customers who may have experienced or are currently experiencing the same or similar problems with SunTrust 's broken promises to its customers and its failure of fiduciary responsibility.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

Add not going thru account process complaint not giving account it '' s interest and when double charged after notification no response of correction of address procedure pursue. Cancelation of dispute transaction online service and note response procedure without notification or reason. Address no policy regulations response or question movement reply complaint and is concerned considering purpose of banking. Thsnks
Consumer complaint received 2021-09-20
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: EQUIFAX, INC. (MD)

I disputed an inquiry reporting to my Equifax file from XXXX XXXX on XX/XX/2021. Equifax has sent me several updated reports over the last few months stating that this inquiry has been removed yet it is still reporting as active on my credit files. Id like Equifax to delete this inquiry from my credit report once and for all. See attached reports from Equifax dated XX/XX/2021 and XX/XX/2021 to see how long Ive been dealing with this unresolved issue.
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (CA)

Moneylion has sent me to collection and wrecked my credit for a debt I never had and know nothing about. I have never had ANY agreements with them, no communication with this company. I have checked all my bank accounts and all my email. No email, no snail mail. No payments made, No deposits from them. No downloads, no application, no membership agreement, NOTHING! I can not seem to get a call back from them. I have left 3 messages. The phone number is a fax. XXXX denied my dispute and say they verified it was my account but could not tell me how they verified it. I have had no dealings with this company. They have 105 complaints on XXXX. GET THIS OFF MY CREDIT REPORT!!
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I am tired of trying to find out the actual pay on my mortage wi -th bsi .I have been paying the escrow shortage for 1 year. 
however bsi has not informed me as to when I will be finished with paying the escrow shortage.what I do n't understand is why they are so lax in informing me as to when I would be done paying for the shortage. according to XXXX it was for 1 year yet I have not received anything from bsi as to a recalculation of my mortgage payment. I would like to know why?
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I received a statement from XXXX Anywhere Visa Business Card by Citi about an overdue payment 3-4 months ago. I immediately went online to pay the overdue bill and when I paid it, the company automatically enrolled me for paperless statements despite the fact that there was a box that had to be checked for them to enroll me for paperless statements and I did not check it. I stopped receiving paper statements and so I did not pay bills to the company for this time. The whole bill for the time I did not pay was for the amount of {$20000.00}. I have already paid {$18000.00} to the company. When I found out that I stopped receiving the paper statements, I paid this amount to the company and called them to ask them to send me my original billing statement which states the specifics of what each payment was made for. As a consumer, I have the right to know what I am paying for. I kept calling the company to ask if I could receive the billing statement, telling them that I would pay them but I need to know what I am paying for. The company still has not sent me my original billing statement. Over the phone the company told me I could see the billing statement information online. However, when I went online, I found out that they blocked my access to my information because of my late payments. They have also charged me an unreasonable amount in late fees and interest that I refuse to pay. The total amount is {$2800.00}. For the past few months they have continued to send me bills telling me my overdue amounts in interest and late fees without sending my original billing statement. I called the company explaining that the amount was unreasonable but they have not done anything to resolve the issue.
Consumer complaint received 2021-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

On Gemini I recently purchased about {$60000.00} worth of XXXX  ( a crypto they offer for trading ), and I tried to withdraw my purchase to an external wallet in my control and I was given an authentication error using the Authy app on XX/XX/XXXX when a sitewide Authy glitch caused this withdrawal to be stuck in pending mode. A crypto transfer should only take a couple hours maximum to transfer. Gemini has been unresponsive for 4 days over this matter and only replies back to my service tickets with generic responses instead of offering a fix for my withdrawal that is stuck in pending.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

I had Discover Card and my Brother was suppose I pay from my Trust Fund to pay off this Credit Card and I found out he did not will back in XXXX of XXXX or XXXX I got my retirement benefits and I Paid off The Discover Card Thinking that they would let me used it again remember this is not fault anyway without checking my papers I think it was $ 6000- {$8000.00} I paid the whole thing off. And by the way I am only on SSA and I am a retired and XXXX woman that can not work and to sick to work anymore anyway make it short I paid them off hoping that they would of let me have my credit card back and I was informed today XXXX, that they will not do it if I know that I would not of paid it the Discover credit card but I would of went Bankruptcy of them and NOW I WISH I WOULD OF DISCOVER GIVES THEM NOTHING-I ONLY PAID THEM SO I CAN HAVE MY CREDIT CARD BACKnAND I ONLY NEED IT FOR MEDICAL IN NATURE LIKE MY MEDICINE MOSTLY AND MEDICAL XXXX  THINGS. I FEEL DISCOVER CARD DID A VERY BAD NUMBER- THEY SHOULD OF GAVE ME A SECOND CHANCE AND DISCOVER CARD PEOPLE ARE IN DANGER FROM XXXX THEMSELVES & And WHEN I TRIED TO Opening A NEW CREDIT CARD WITH THEM I THOUGHT THEY REALLY WOULD OF SINCE I PAID THEM IN FULL AND I DID NOT HAVE TO AND I WISH I DID NOT PAID THEM OFF AT ALL AND WENT BANKRUPTCY WITH DISCOVER CARD INSTEAD AND THAT HOW I FEEL LIKE THEY TOOK MY MONEY AND DID COMPLETELY NOTHING TO HELP ME AND I COULD OF USED THAT MONEY SOMEWHERE ELSE AND DISCOVER CARD WOULD OF GOT NOTHING AND THAT WHAT I SHOULD OF DONE TO DISCOVER CARD CORRUPT COMPANY PAID NOTHING ... I AM NOT RICH AND I DO HAVE A TRUST FUND BUT RIGHT NOW I CAN NOT GET ANY MONEY OUT OF IT I GUESS I NEED A ATTORNEY AND AGAIN I DO NOT HAVE ANY MONEY
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

My complaint is more than about repayment options. my student loans have TRIPLED in the time that I've had them. There were many times where I tried to do income based repayment and the payments were too high I attended the University of XXXX in Michigan and was encouraged to even go back for my MBA. this school had me in an " e-business '' curriculum.

When navient reported my loans late it tanked my credit score and I almost lost my job ( I'm a XXXX XXXX XXXX ) and my credit score is important. 

I won't be able to purchase another home with student loan debt near $ 300k!!! 

They pushed me to forbearances and consolidations ... this whole experience with navient and these loans and school have damaged my life!
Consumer complaint received 2019-10-07
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. (MO)

Equifax has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in prison so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Equifax has not and now they have stopped me from submitting further disputes on the issue.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX  accounts 1 ). # 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 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have been paying my student loans back on-time to EdFinancial for the past 10 years. During Covid, after the federal government stopped the repayment of loans, I was expecting that my automatic payments would continue, and it was a good time to make up ground on this loan. I logged into my account in XX/XX/XXXX, to find out that they had stopped my automatic payments since XX/XX/XXXX, without my consent. I had to call them to request that my loan be taken out of forbearance. Today, XX/XX/XXXX, I logged into my EdFinancial account, because I noticed that my payments weren't happening again. This time, EdFinancial put my account in forbearance without my consent, in XX/XX/XXXX, because I'm in school getting my XXXX. I have been in school since XX/XX/XXXX, so I'm not sure I understand why this happened all of a sudden. Also, they said that they mailed me a letter, but I never received anything in the mail. They also sent a secured message to my EdFinancial account, which I would have to log into to see. I was never notified through email that I had a message waiting to be read. Also, the status read " Payments will restart in XX/XX/XXXX ''. I just read on your site that forbearance can only be extended for 12 months, yet they weren't going to restart my payments until XXXX. Which doesn't make much sense, because I'll be done with school in the fall. Regardless, I don't understand how this company is able to make decisions about my financial status or situation and change my loan. This feels as though they are trying to make up for the interest missed during Covid, and they are using sneaky tactics to recoup this money, and I don't appreciate being taken advantage of. Had I not logged into my account both times, I would have never noticed, and additional years would be added to my repayment schedule.
Consumer complaint received 2023-03-27
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. (TX)

XXXX, XXXX, AND EQUIFAX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXXXXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.
Consumer complaint received 2022-08-23
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  accounts 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 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York Office Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MS)

This entire year of XX/XX/XXXX I been contracting XXXX XXXX in XXXX. trying to settle my account, so on XX/XX/XXXX I called the bank to pay the balance, and they informed me they can not take my payment and have nothing to do with this account, keep in mind they are reporting information to the credit reporting agencies. So they inform me it was sold to XXXX XXXX in XXXX, I have write both companies in XX/XX/XXXXabout settling my account I waited 37 days with no response from never, that is why I made a call on XX/XX/XXXX. Ok back to the call I ask the person on the call if I pay the collection agency which is not reporting to the credit report agency who is supports to change my pay statue to paid from collections, she replied with dispute it with the credit agencies. My question is how am I going to dispute a company which is not reporting on my account when the bank is but has nothing to do with the account. What I see happening is I pay the collection company and the bank still reports the account as in collection.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AK)

XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the  department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX 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 2021-09-20
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: EQUIFAX, INC. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TN)

Affirm is reporting to my XXXX credit report inaccurately. There is an account ( Account Number XXXX ) reporting 30 days late. However, I was told several times that the account is in a positive status and all I needed to do was fill out a form and once completed it would remove the negative late on my credit report. The response after completing the form indicated that the account has already been paid in full. On multiple occasions I was provided inaccurate and contradicting information on Affirms credit reporting. Phone calls are recorded and can confirm this. The account that Affirm is showing as late is also reporting the amount inaccurately. I would like Affirm to remove the late payment from this account ( Account Number XXXX ) on my XXXX credit report because it is being inaccurately reported. Thank you.
Consumer complaint received 2019-05-24
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: WELLS FARGO & COMPANY (TN)

This account has been reporting on my credit report every since XXXX of XXXX and this is XXXX of XXXX and still is reporting the statue of limitations in Tennessee is 6 years and on top of that I asked them to verify this is my account with a signature and have yet to receive that only thing that they send out is a bill.