davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Benuck & Rainey, Inc. (CO)

The company that originally billed me for a hand brace did not give me an adequate amount of time between my first bill and sending my account to collections to file an appeal and get a response from my insurance. Benuck & Rainey has a record of being shifty so it's no surprise to me that they handle their calls and treat people the way they do. Somehow lowering a {$310.00} bill to {$250.00} ( for a {$20.00} XXXX  ) just to make it go away is acceptable to them. Neither the brace company ( XXXX XXXX ) or the collections agency ( Benuck & Rainey ) will even consider that they are in the wrong. I never got to talk with XXXX about the bill after the appeal because instead of giving time for people to go through the processes they're afforded with their insurance, they would rather ship the bills off to collections where they can take full advantage of people and no longer be able to offer them a personal pay rate as opposed to the higher insurance rate. Taking advantage of people who got injured and charging almost 1500 % more for medical equipment because they can't go home without it as opposed to going to the store to get the same equipment.
Consumer complaint received 2024-11-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (TX)

Deposited a {$7000.00} check through a Wells Fargo ATM in the XXXX XXXX XXXX on XX/XX/year> and was informed the deposit should be available on XX/XX/year>. I was then messaged by Wells Fargo the check was placed on hold until XX/XX/year>. Reason for hold was, " refer to check maker ''. XXXX XXXX issue the check and XXXX XXXX  mediated the transfer of funds whenever the check was deposited to Wells Fargo. Both XXXX XXXX and XXXX validated funds have moved out of their accounts and were sent to Wells Fargo. We had a conversation between Wells Fargo, XXXX XXXX, and myself where XXXX XXXX validated the check was valid and funds were moved. Wells Fargo denied funds had been moved over but they were also informed the check was valid so there's no reason for the hold anymore. I've went in person to the Wells Fargo XXXX branch and was informed the funds haven't made it to Wells Fargo and to contact the maker of the check. This is fraudulent and unethical of Wells Fargo to withhold my physical check and not issue funds as advertised through their ATM software. This has led to my apartment complex threatning to evict me and has led to late fees to incur on my monthly lease. I've tried everything to remove this Hold and Wells Fargo is refusing to release the hold. Never use Wells Fargo, I have no faith they will honor my check and will be evicted by this issue. Wells Fargo hasn't even attempted to help mediate the situation.
Consumer complaint received 2023-07-25
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX CT XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I submitted a new income-based repayment request along with my XXXX tax information two weeks before my current income-based repayment plan was to expire. Navient claims they did not process my repayment plan in time for my XXXX XXXX due date ; therefore, I was charged {$490.00} more than I had been paying for the past 11 months ; I was also informed that my new income-based payment for the upcoming year was decreasing by {$10.00} per month. As a result of Navient 's inability to process my request in a timely manner, I was charged significantly more than I had and will be paying, and they were unwilling to credit my account.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I had auto pay until slimy Navient took over. They dropped it though I have been always able to pay my loan with ease. They said on the phone it would be brought back. When I do not pay manually on their web site, they have harassed my XXXX year old mother, -called her today on XXXX too. They are rude to her and do n't have the guts to call me. They do not set up auto pay and call people every day to harass them to pay or just pretend to call. A live operator should have to call, no robo calls and ID themselves right away. 
They have also monkeyed with my loan to gain more $ and sham late fees. Do n't let them get away with it. Thank you.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (MI)

I have fraudulent Credit Inquires that is reported on my credit report that don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
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)

XXXX 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 USC1681. these 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 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 section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate. 15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2016-06-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (CA)

Spotloan.com is an illegal usury interest rate scram that charges 1000 % usury interest rates # XXXX they do not have the license to charge these or make these illegal transactions. they outsourced the account to XXXX XXXX, that has consistently harassed me. ( XXXX ) regarding their attempt to collect an illegal transaction aand should be charged with elder abuse because I am XXXX years old.
Consumer complaint received 2023-09-07
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon checking my credit report for a mortgage preapproval, my real estate agent advised me to report these fraudulent accounts. 

Company Name : XXXX  ; Account : XXXX ; Amount : {$2100.00} Company Name XXXX XXXX XXXX  ; Account : XXXX ; Amount : {$150.00} Company Name : XXXX XXXX ; Account : XXXX ; Amount : {$220.00}
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

This has been an ongoing problem for a few years now. Equifax keeps saying i have not applied for credit, not used it or simply am not a US citizen. Untrue because i have credit reports with XXXX and XXXX. I have sent them my personal information many times, via mail and fax. To be able to verify who i am. The other credit bureaus have no problem showing me my credit scores. I even went as far as to contact all my credit cards and student loans to verify that they are infact reporting to Equifax every month, so I'm co fused as to how i can not have credit through them. But now because of Equifax refusing to give me my credit score because they can not verify who i am, i am unable to get a house mortgage. And i refuse to send them all my personal information again for like the 9th time just because they can't do their job correctly. I call and call and they all give me the same lame go around, " if you could send us your personal information via fax or mail we can verify your identity '' untrue because I've done it multiple times already and each time they say the same thing.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (TN)

I have a business account with Truist Bank and they host my credit cards. This account was merged from Suntrust Bank. Since Truist converted my credit card, I have noticed payments across the accounts are not being applied correctly. 
Basically I have a Parent account and each credit card is a Child account of that Parent account. The parent account has a credit limit of lets say {$5000.00}. Let 's say there are 5 child-credit cards and Each Child account has a limit of {$1000.00}. They told me my account is setup on centralized billing. Im not sure what that is, but I assume that means all of the accounts roll up under the parent account. 
I am having trouble because they are not applying payments across all of my child accounts before the next Statement date even though I have made a full payment and more to the account. 
They told me I can not use that card anymore until the next billing cycle because I set a {$1000.00} limit per card. But also they said if I maxed out 1 card I could change the limit for another card and max it out. Effectively that would mean I have {$25000.00} limit based on what she said. 
They said other people have been complaining about this but there is nothing they can do. It seems like to me if I pay a bill off before my statement date, you should have to adjust the balance before the statement date. I make payments weekly so this is a problem but I only owe or have a credit of say {$240.00}. But that is another issue, I recently made payment of an extra {$5000.00} because I wasnt sure how payments were being applied across my accounts. Their statement of my current balance does not show if the amount is a credit or balance owed. Also, the master account balance might reflect the balance for all of the children accounts but the actual balances on the children accounts are not being updated. 
Again for example, I made a payment this week for what the balance shows on my master account, but the balance was not updated across all of the accounts. Now my available credit limits are not correct and I cant let my employees pay for purchases because the card is maxed out even though I made a recent payment.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (MA)

Attorney XXXX, XXXX, XXXX XXXX representing XXXX XXXX XXXX/BSI Financial Services has file a Servicemen Civil Relief Act Complaint to proceed to the foreclosure sale of my home located at XXXX XXXX XXXX, XXXX, MA XXXX. The entity does not have the right to foreclose on my property. In a letter sent to the company in XXXX 2015 at BSI Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX I requested the company to provide evidence that the company has a lawful and rightful claim against my home. No answers were provided. The company 's action violates consumer finance protection laws that the Bureau was created for.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To my surprise, I discovered this morning that inaccurate accounts have appeared on my credit report, and I have no idea why. I check my report regularly, and everything was fine until now. I even tried refreshing my browser, thinking it might be a technical error, but the incorrect accounts remained. Because of this, I'm asking for a thorough review of the documents I've sent so I can have peace of mind.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (GA)

My original car loan was with us auto sales. Loan was reassigned without my knowledge. Westlake financial service who is the company that my loan was transferred to repossessed the vehicle on XX/XX/XXXX stating I havent made a payment since XXXX. I was still making payments to us auto sales at that time and now have no way of tracking that information because the company websites have all be deactivated. I made a payment to release the vehicle on XX/XX/XXXX. I still havent been able to retrieve my car. I was given information to a company called XXXX  to retrieve my vehicle. I have been trying to reach someone since XX/XX/XXXX and have yet to be able to reach by either phone or email regarding picking up my car.
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX  has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX  card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX  card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (FL)

The problem is that someone else used my physical property description on their FHA Partial Claim mortgage. The FHA mortgage was given to the borrower on XX/XX/2022. The borrower signed on XX/XX/2022. The property description attached WAS NOT to his property, but listed the physical description to my property ( which is in a different county ). It appears that the borrower 's original mortgage has been transferred to another company and I reached out to the new company- with no resolution. Please note, this problem was identified when I tried to refinance my own mortgage to make some home improvements. Both my mortgage and title companies have reached out to HUD and the current mortgage company for the borrower and have gotten no answers/assistance/resolution. This has been going on for months- and we keep getting the runaround. We need this title issue fixed immediately as it is currently showing a HUD lien on MY property- which is incorrect. 

**Note : a copy of the borrower 's FHA Partial Claim mortgage is too large for me to attach to this online complaint, but I do have it should it be needed.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.