davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX called me in XXXX to collect a debt for the doc that XXXX my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The XXXX that administered my XXXX was paid everybody except XXXX was paid for the XXXX   XXXX  and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX  for the XXXX  of my son I then contacted my XXXX/XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked XXXX when and who sold my debt to them. XXXX gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called XXXX back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at XXXX and cancelled my payment arrangement with XXXX and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to XXXX and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop XXXX from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. XXXX calls me 10 times a day.
Consumer complaint received 2022-08-16
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. (GA)

I can not write out my problem as this XXXX website does not allow time for me to type it. I am aone XXXX XXXXXXXX veteran!
Consumer complaint received 2019-05-25
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. (NC)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I took out a federal student loan and in XXXX and XXXX I got very I'll and became XXXX. I asked for a deferment and it was granted extending the loan until XXXX. At the beginning of XXXX I finished paying back the loan to Nelnet. Nelnet closed the loan and put six late payments on my credit reports for the period I was in deferment. This was done 6 years after the fact. I have disputed with all 3 credit bureaus and filed two cases with the department of education. Still Nelnet refuses to remove the 6 derogatory entries saying that they have no mechanism for doing so. My credit worthiness has suffered. Even XXXX XXXX removed late payment for this period.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

I reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.
Consumer complaint received 2019-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NC)

I signed an online loan agreement with MoneyLion onXX/XX/19. Loan # XXXX in the amount of {$500.00}. Payments of {$43.00} began on XX/XX/XXXX. Toward the end of XX/XX/XXXX I  decided to exercise my right to pay the loan in full by use of my debit card ending in XXXX. They advertised that by using a debit card my payment would be credited instantly. My card ending in XXXX ( which they had on file ) had an expiration date of XX/XX/XXXX. Before my attempt to make the payment in full I received my updated credit card ( same account # ending in XXXX ) however it had a new expiration date ( XX/XX/XXXX ) and a new 3 digit security code. I attempted to update the card on the MoneyLion app but was unsuccessful. I called them several times in late XX/XX/XXXX and early XX/XX/XXXX. Each time I was put on hold from 1 - 2 hours and then told they were unable to update my card either. On XX/XX/XXXX I spoke with a supervisor who gave me a ticket # XXXX. He promised a resolution in 3-5 days. Today, XX/XX/XXXX, I called again. I was on hold a total of 2 hours and 3 mins. I was then told they still couldnt get my card updated and again I was unable to pay the loan off. Meanwhile interest continued to accrue. There is nothing wrong with my card. I use it almost every day. There is over {$1000.00} in the account and Ive been with this bank for more than 20 years. Ive tried everything I know to do to work with them to get this straightened out but despite hours of my time, to no avail. Please help.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Albert Corporation (MI)

I have a account on the Albert app, on XX/XX/22 I tried to use my card and it was declined. When I opened up my app it said my account had been closed with the funds being transferred to my connected external XXXX account. There is {$1000.00} in that account. You cant contact Albert by phone only through text everytime I hear from them they say be patient I feel like I have been scammed by them as this should be a easy fix days for by before they say anything and its the same thing every time were looking into it be patient its now XX/XX/22.
Consumer complaint received 2019-05-25
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: Resurgent Capital Services L.P. (MO)

I reported incorrect information to the credit bureaus and they still have not rectified the situation with XXXX XXXX and LVNV funding are both on my credit report with the same account number Both companies can not be reporting with the same account number thats double jeopardy and both need to be removed because it violate my rights I've disputed this multiple times Ive called XXXX XXXX directly and spoke to multiple representatives that said XXXX XXXX will be taking off my credit report
Consumer complaint received 2019-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I made phone payment to my mortgage company Freedom Mortgage XX/XX/XXXX. And received notification late yesterday in writing that my payment was never made. Call customer service and yesterday evening confirmed account information from checking that the payment was reversed and to call my bank. Call my bank and confirmed no payment or not reversal was ever made. Call Freedom again today and was told that payment was take but the wrong bank account information was take at time if process ; and pull the phone records and claim I verbally gave the incorrect account number, but confirmed my payment/account information used every month was correct on record and refused to correct the derogatory reflection on my account or the credit report even after bringing account current despite the representative inputting and not confirming account information before processing the initial payment.
Consumer complaint received 2019-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank closed my checking account on XX/XX/XXXX without offering any explanation and any warning. The bank only posted a letter in my account online ( attachment, page 1 ) on XX/XX/XXXX indicating that " we have processed your request to close your account. '' However, I never requested to close the account and I did not even receive an email indicating that the letter was posted. When I called the bank, the representative could not explain why the bank closed the account and only mentioned that the bank has the right to close the clients ' accounts anytime and supposedly the bank sent me a letter a month in advance. 

The bank mailed me a letter on XX/XX/XXXX, although dated XX/XX/XXXX and without any electronic record ( attachment, pages 2 ), indicating that " we reserve the right to close any account at any time, and for any reason. As a result, we have made a decision to close your account ( s ) '' ( attachment, page 3 ). I also received a similar letter ( attachment, page 4 ) dated on XX/XX/XXXX, indicating that " Santander Bank has made the decision to close your account. '' These letters contradict the ( original letter page 1 ) and they seem to be created by the bank to give the impression that the bank already alerted me. 

My complaint is that the bank closed the account arbitrarily without any previous warning during the XXXX break, and this originated a very difficult situation. I was traveling abroad for the holidays and could not get to the USA until the beginning of XXXX. In the meantime, all my payments were not accepted and I had to pay several fines as I could not move my accounts to another bank on time. Additionally, the moment that the bank closed the account, I lost an interest rate discount on my HELOC account which had a credit limit of {$710000.00}. Hence, I had to pay a higher interest rate ( 0.26 % ), and closed my HELOC account paying an early termination fee of {$450.00}, a satisfaction fee of {$53.00} ( I do not know what this is ), and two fax fees of $ XXXX/each ( attachment, pages 5 and 6 ). As the additional interests that I paid for 4 months until I closed the HELOC account was {$610.00} and the total fees were {$500.00}, the total financial effect was {$1100.00}. 

I was able to get a new mortgage for my home with XXXX XXXX XXXX, so my credit scores were very good ( >740 ). Additionally, the XXXX report did not show any irregular situation for my wife and me, and I justified large movements of my account with my branch manager. So, there was not an apparent reason to close the account. The only possible reason is a retaliation of the bank because I filed a report with CFPB on XX/XX/XXXX for charging me an unjustified flood insurance fee.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I only owe {$57.00} to XXXX-Comenity Bank. On XX/XX/XXXX, I made a payment of {$27.00} and on the same day I was charged a return fee. On XX/XX/XXXX, I made a payment of {$33.00} and on the same day I was charged a return fee of {$25.00}. 

Comenity bank claim they could not find my bank information thus the reason for the two returned fees. Comenity bank never notified me by mail nor called me. I only found out about the late fees because I logged in to make a payment on XX/XX/2019. On XX/XX/2019I made a payment of {$60.00}. I was assured this would cover my XX/XX/XXXXpayment as well. Again, never was told about late fees or not being able to locate my bank etc.. Sadly, on XX/XX/19I was charged a late fee. Comenity bank lied when I asked if {$60.00} would cover XX/XX/XXXXand XX/XX/XXXX. 

Also, I found out Comenity Bank HAD A WRONG NUMBER listed. According to their records the number they had listed on my account belonged to a XXXX. I had to FIGHT with them to correct my phone number and to convince them I was not XXXX. I don't even know a XXXX AND I have had the same phone number for years. 

Ever since Comenity bank took over my XXXX account, my account has been a mess. I want the fees reversed. I want the credit bureau notified and a positive report made. 

My credit rating dropped 26 points because of Comenity bank 's error. This has to be rectified. 


Thank you in advance, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
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. (WI)

Called Nevient today about public service loan foregiveness ... ... Told then that my original loans were direct loans ... .they told me that I would have to consolidate again to apply for program which would start the clock over for me been paying on time since      1997. V ery misleading I have less than 120 months left on loan
Consumer complaint received 2018-09-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLIANT CREDIT UNION (TX)

I authorized Alliant to withdraw the minimum monthly payment from my XXXX XXXX  account ( also known as XXXX XXXX XXXX ) for my credit card. However, they drafted the entire balance instead, resulting in an XXXX fee as the full amount was not available. Despite their error, they have refused to reimburse me for the XXXX fee. 

On Tue XX/XX/XXXX, I received a XXXX % Balance Transfer offer from Alliant. 

On Fri XX/XX/XXXX, I took advantage of the offer and transferred a balance of {$26000.00}. 

On Fri XX/XX/XXXX, I adjusted my recurring payment from 'Statement Balance ' to 'Minimum Payment ' from my Brilliant Bank account . It was then that I realized the minimum payment was higher than expected. Upon calling Alliant to inquire about the calculation, a representative informed me it was XXXX   % of the balance, which I later discovered was incorrect ; it's actually XXXX  %. Despite bringing this discrepancy to their attention, the representative stated " XXXX  % was what I was told. '' I also expressed concerns about the difficulty I experienced navigating their site during the setup of the recurring payment. I asked the representative to confirm that my recurring minimum monthly payment was set up properly. He assured me that the email confirmation I received was accurate. 

On XXXX XX/XX/XXXX, I discovered my XXXX  Bank account was overdrawn, revealing that Alliant had attempted to draft the full credit card balance instead of the authorized minimum payment. After extensive communication with Alliant, they promised to deposit the full amount into my Alliant savings account, minus the minimum payment, which never materialized. I insisted on reimbursement for the overdraft fee I incurred. 

By Mon XX/XX/XXXX, Alliant informed me that they wouldn't reimburse the XXXX  fee due to the 1 to 2 billing cycles it supposedly takes for changes to recurring payments to take effect. This information was not communicated to me when I made the change. They claimed it wasn't their fault, but regardless of their claim, the XXXX  fee occurred because of their erroneous withdrawal after the change in authorization.

Subsequently, I removed the recurring payment and made manual payments to cover the minimum payments for the current month and the followin month. Despite this, I received numerous calls and emails from Alliant claiming my account was overdue, indicating a serious lapse in their customer service.

Their decision not to reimburse the XXXX  fee is unjust. Alliant confirmed both in writing and verbally that my recurring minimum payment was set up correctly, giving me no reason to believe otherwise. They should be held accountable for the financial loss they caused and their business practices scrutinized. I seek your assistance in obtaining reimbursement for the XXXX  fee and urging Alliant to review their practices.
Consumer complaint received 2023-04-10
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. (CA)

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. XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

These accounts are inaccurate are under litigation and under the HIPAA Act. These account needs to be closed. Not only closed but removed from my credit report immediately. 

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. 

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 an 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.