davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

My statement balance due for payment on XX/XX/year> was for {$2900.00}. Payment was mailed as a certified check in the amount of {$2900.00} for payment from my attorney. This payment was available for pick up on XX/XX/XXXX from the address on the payment slip. I was issued a refund check on XX/XX/year> and received a XXXX balance letter dated XX/XX/year>. On XX/XX/XXXX they produced a statement showing my credit as a charge and a new balance of {$50.00}. Once my credit was updated and I saw they reflected on this account with a balance. I called on XX/XX/XXXX asking for management to rectify the issue and get the account back to zero as documented. The representative said management stated this would need to be paid. She waived the {$9.00} processing fee to make the payment by debit card over the phone and took my payment for {$50.00} on XX/XX/year>. As I mentioned to the representative on the phone, I am unaware where this form of transaction process is legal. I paid it to be rid of this company ; however, I would like this looked into for other customers and if my funds can be reimbursed, I would also appreciate it.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

Company : Hyundai Finance I overpaid the balance of my loan because there was XXXX check not cashed by Hyundai when they provided me my balance in XXXX of 2021. After making 11 phone calls ( from XXXX to XXXX ) in addition to seeking help from Consumer Affairs, I was not successful in getting my refund. 
An attorney wrote a letter on my behalf and in XXXX and I received a check for {$5000.00} ; however they owed me {$5500.00}. There was no explanation sent with the check why the amount was reduced. I have called Hyundai Finance on XX/XX/XXXX and was told they owe me {$540.00} plus {$4000.00} with an explanation I didn't understand, but talked about deducting principal from $ XXXX. I called again on XX/XX/XXXX and was told they see my notes from XX/XX/XXXX ; however, no action has been taken. This entire 8 months I was not able to speak to anyone in charge, nor have they returned any calls from Consumer Affairs. 
I am not sure what kind of accounting practice they use, but I feel like I am an exploited senior. I had to cash the check to pay bills ; I was not accepting that as I was paid in full.
Consumer complaint received 2022-05-19
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2022-05-19
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)

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 XXXXXXXX,,, XXXX XXXX,,, XXXX XXXX XXXX XXXX,, XXXX XXXX,, XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2021-11-13
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. (NC)

Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.
Consumer complaint received 2021-11-13
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. (NC)

Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.
Consumer complaint received 2021-11-12
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-04
Product: Credit 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: WELLS FARGO & COMPANY (SC)

XX/XX/XXXX - 3 separate charges for a cash advance fee that was not authorized. 

Charge 1 - {$200.00} Charge 2 - {$200.00} Charge 3 - {$100.00} {$45.00} fees assessed for each charge as well. 

Totaling to over {$600.00} in charges that were not authorized. I contacted the fraud department the following morning ( XX/XX/XXXX ). The claim was denied within the same week.
Consumer complaint received 2016-03-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX XXXX XXXX line of credit of {$50000.00} with balloon payment due in XXXX, 2015. Requested modification of the loan to pay back principal plus interest. Completed all paperwork but was then transferred from the then current XXXX XXXX XXXX to SLS Loan Servicing. I completed the necessary paperwork again with SLS and they continued to indicate incomplete processing and duplicate requests for the same documents over and over one document at a time. This continued for the next 8 months. I was finally denied modification, but was encouraged to complete modification paperwork again. I then completed a third set of paperwork At no time during these 8 months was I ever told by any SLS representative that the loan was not eligible for modification. In the meantime, behind the scenes SLS had begun foreclosure proceedings as early as XXXX of 2015. I found that out when I was charged for an inspection of my property. I completed a third set of paperwork, SLS claimed it was incomplete and was denied. They then proceeded with foreclosure. My primary mortgage is with XXXX and has never been late. Also, during the time the line of credit was open, those payments were also never late. SLS has now marked my credit and has made it almost impossible for me to refinance the loan. Had I been told back in XXXX of 2015 that the loan was not eligible for modification, I may have been able to refinance the loan and would have avoided the unnecessary foreclosure proceedings that followed. They basically wasted my time all these months and accrued unnecessary interest. There are so many complaints out there against this servicer for similar improper procedures. In order for the problem to vanish, I had to withdraw the funds from my IRA to pay off the loan with interest and about {$3000.00} in foreclosure fees. I appeared at a foreclosure conference and the mediator in fact agreed these practices were unjust and ordered the attorney to adjust some of the fees. I was never contacted by counsel for the bank about foreclosure until the day I was served papers. The mediator was angered at the practices of SLS and the law firm and indicated that a reversal of interest could ensue. Now I am told that the dismissal of the foreclosure action can take another few months, even though the loan is fully paid. Someone has to stop SLS and protect consumers from these scamming tactics they employ.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (AZ)

I paid my BBVA ( now PNC ) on XX/XX/XXXX through XXXX  XXXX XXXX XXXX XXXX. I started receiving collection calls from PNC after my due date. Every time I told them I had already paid they would tell me to wait to see if the payment posts. I called XXXX  XXXX XXXX XXXX XXXX and found out the check ( XXXX XXXX ) was processed on XX/XX/XXXX. I then called to escalate an investigation with PNC on XX/XX/XXXX. They said I would hear from someone in 2 business days. I did not receive a call until today XX/XX/XXXX telling me they are from escalations/ investigations and they have not received a payment. I was told I now need to go to branch and give them my proof of payment with an endorsed check. The copy I have from XXXX XXXX XXXX is not endorsed but I will take it to a branch on Saturday. I have spent several hours trying to resolve this and asked if anyone from PNC can call XXXX to verify the info I have given them. They said they cant. Im still unclear if going to the branch will resolve this issue. 

This is clearly an issue with the system conversion from BBVA to PNC in XXXX and PNC has done nothing to help resolve it. Im concerned this will have a negative impact on my credit rating.

I cant be the only customer this has happened to.
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

Hello. I rarely use international transfers, I used XXXX and Western Union without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via Western Union. In XXXX, because of the covid protocol, there were restrictions in the work of the Western Union, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called Western Union to confirm the transaction onXX/XX/XXXX, but they just transferred the money back to me. Okay, I went to Western Union located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in Western Union located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in XXXX, but the custom service told me they do not make international transactions and advised XXXX. Oh XXXX! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But XXXX custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! Sorry for the long post, but I tried to make a complete picture. Respectfully, XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILRE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ATTACHED THE FEDERAL TRADE COMMISSION AFFIDAVIT! NOW THAT I HAVE GIVEN THIS INFORMATION CORRECT MY FILE OR I WILL PROCEED WITH GETTING MY ATTORNEY INVOLVED!
Consumer complaint received 2021-11-13
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. (AR)

I need the following removed off my equifax account, Ive tried to resolve the issue with them and sent in identity theft paperwork. 

But now I can't even see my credit report on the Equifax website. Only shows 1 account so they won't let me dispute. I had to pull this from XXXX XXXX to see what's on my file.

Accounts needs to be removed XXXX XXXX/XXXX  Closed Closed XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed Closed XXXX XXXX Inquires All inquiries need to be removed, I haven't applied for credit in over years
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report
Consumer complaint received 2024-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carvana Group, LLC (GA)

XXXX employed XXXX XXXX XXXX to illegally and unlawfully seize Trust property right out of their garage. When we attempted to resolve dispute with XXXX, we were told to contact repo company. When we contacted repo company, we were told to contact XXXX. We tried to remedy the situation, and the company refused to act and has caused adverse harm to the beneficiaries by seizing their essential consumer goods personal private automobile. The Trust has equitable ownership by XXXX and XXXX has no evidence of contract with any party. They are complicit in trespass, harm and stolen property.
Consumer complaint received 2021-11-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I was provided a preapproval letter and provided that to my agent snd the listing agent and then was told after receiving the letter that I needed to pay off a vehicle and a small loan to qualify. That information was not listed in the preapproval and then the Loan Officer advised the listing realtor that she did not provide a preapproval for myself. I have put my monies down and paid for an inspection for this home and now I have nothing and I look like a buffoon and a liar. This is very unfair and I just wish for a resolve to help me so that this company will not do this to anyone else. The company in question is Cardinal Finance and the Loan Officer is XXXX XXXX. She began as a very pleasant person but it ended as if she felt as though I was a second rate citizen who did not possess the know how snd I have made two purchases for homes prior to this experience and it was not like this at all. Falsifying paperwork to provide to other entities and using verbiage that is not viable to your request again is unfair. If I did not meet the criteria for the loan then she should have not provided a document for preapproval she should have only provided the document for what I qualified to received which she told me that I only qualify for XXXX through their automated system and not XXXX or XXXX which ground gave subsequently been the loan amount after the down payment. Please help to resolve this issue so that other consumers like myself can be clear or in essence set in place that a lender can not issue a preapproval for an amount without ensuring that the borrower is clear on any conditions prior to releasing that document and publishing it on their companies dashboard for the consumer to docusign and accept.
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (IL)

I don't recall having a contractual relationship with this collection company THE BUREAUS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from Wells Fargo on my car loan. Wells Fargo reported my car loan as closed, settled for less than owed and late. I reached out to Wells Fargo and disputed the issue with all three bureaus. XXXX, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with Wells Fargo. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately Wells Fargo has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. Wells Fargo admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from XXXX of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with Wells Fargo last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, Wells Fargo did report incorrect info to all three bureaus. XXXX confirmed that Wells Fargo only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. Wells Fargo has to request from XXXX to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved asap.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. 

This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.