davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I opened a new account with citibabk online with a promotion for new customers for XXXX $ ( promotion XXXX ). After meeting all the requirements to obtain my bonus the bank is declining and not paying The bank has been giving me all kids iof different information, contradictory information and always imposing new requirenmets, last one was they neede a w2 form which was submitted. Then they invent new requirements that were never part of the offer. Last one was that they have no record of my offer however THEY DO. They lied. I have the proof trough the app chat admiring is in my records. 
Bottom line, bank does not want to offer the bonus offer I signed up for despite of my meeting all the requirements.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (NC)

I was halfway done with my loan payment, before I got into a totaled vehicle accident  which I was not at fault. Issues with the vehicle paint was addressed by me to BMW years before this totaled accident happened, but BMW neglected the issue and did not want to handle it. Their claim after the car was totaled is false and there were no prior damages made by me to the vehicle. I have never skipped a maintenance appointment prior to the totaled accident. GAP insurance and the insurance of the person at fault should have taken care of any difference. I have emails from BMW stating that the loan was paid off. BMW 's lack of honesty and their GAP and Financial departments incompetency have come at a cost that their customers have to pay for the companies mistakes.
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't  XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RICHLAND HOLDINGS, INC. (OK)

On XX/XX/XXXX, XXXX became my primary health insurer, and XXXX XXXX  XXXX became my secondary health insurer. Since that time, these two insurers have paid 100 % of all my medical costs, with no copay required. On or before XXXX, XXXX, I was a patient at the XXXX Hospital in XXXX XXXX, Nv. During that period, I was allegedly attended to by a doctor from the XXXX XXXX XXXX XXXX, I was in a XXXX, and remained in that condition for a period of ten days. 
It was the responsibility of the attending physician and/or XXXX XXXX XXXX XXXX to obtain my insurance information from XXXX Hospital. They had it because the information was in my wallet, and bill the insurance companies. The fact that XXXX XXXX XXXX XXXX contractual agreement with XXXX XXXX which doesnt provide for XXXX to provide them with patients insurance information is a serious flaw in that agreement, which I have no responsibility for. XXXX XXXX XXXX XXXX has a standard billing practice like every other hospital, doctors office and medical clinic in the United States of America. 
Obtain patient medical insurance before treatment is administered. Collect any co-payment due from the patient before treatment Bill the patients Insurers for the balance due.In this case, XXXX XXXX XXXX XXXX negligently failed to comply with its own standardized billing practice.XXXX XXXX XXXX XXXX had several other available viable options to obtain my insurance information. First, they could have called me at the XXXX Hospital and left a voice message if I was still in a coma. Secondly, they could have sent me a letter to me at the XXXX Hospital requesting such. Thirdly, they could have contacted the hospital social worker and informed that person to obtain the information or have me contact them. None of these options were exercised, which led to the none payment of this bill. Subsequently XXXX XXXX XXXX XXXX XXXX XXXX XXXX has referred this matter pertaining to this {$450.00} bill to the ACCTCORP of Southern Nevada for collection, which has resulted in a negative entry on my credit report. I would like to point out that XXXX Hospital and all outside attending physicians were paid in full because they followed standard billing procedures.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit Acceptance is repeatedly failing to report accurate information to delete a late payment off my account. In addition, Credit Acceptance is spitefully trying to not update my report and balance has they have stated they would on the XXXX of every month. I believe this company has poor customer service and lack of compassion for its customers.They erroneously reported my payment as late in XX/XX/2020 during a pandemic which is very insensitive and inaccurate reporting on their behalf. They compliance offers fail to thoroughly investigate this matter and I have furnished bank statement which do not reflect late payments in the month they have reported on my credit. I have paid on time and more than the required payment on loan. I will continue to place complaints until this matter is resolved. I would never recommend anyone to use Credit Acceptance for their auto loan provider.
Consumer complaint received 2020-10-02
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. (AZ)

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to Transunion, XXXX  and XXXX  with XXXX resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Consumer complaint received 2024-03-19
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. (PA)

Compliance with FCRA XXXX necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Certain listed accounts exhibit inaccuracies in their reporting.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We purchased ski equipment rental from XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX. We reserved the equipment to ski at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of CO closed all ski resorts to the public secondary to COVID 19. We canceled the ski trip secondary to the government restrictions. We attempted to get a refund with the merchant directly without success. We filed a dispute with the credit card on XX/XX/XXXX for the amount of {$460.00}. Case number : XXXX. I contacted Capital One on XX/XX/XXXX for an update on the dispute and was told on a recorded line that the merchant had not responded to the dispute. I called again on XX/XX/XXXX, after the 90-window established by the federal government, was over and again was told that the merchant had not responded to the dispute and to consider the dispute closed. Today, XX/XX/XXXX, over 120 days after filing the dispute, we were re-billed for the amount of {$460.00}. I contacted Capital One in regards to the re-bill. I was not provided a reason for the re-bill. Customer Service was not able to confirm that the merchant responded to the dispute after reviewing the dispute departments notes and instructed me that I would need to submit a request in writing to have the charges reversed. 
According to XXXX XXXX own dispute policy, if the merchant does not respond within 90 days, the case is considered closed. It has been 120 days since the dispute was filed. 
Second, the merchant communicates directly with the credit card company so how am I supposed to provide evidence that they did not respond other than the recorded conversation I have had with your customer service department? Lastly, I confirmed with Capital One on 2 separate occasions that no response was received from the merchant and the case was closed XXXX 90 days after the dispute was filed. I have closed the account with a balance of {$460.00}, the amount of the re-bill. 
This the second time that Capital One attempted to re-bill me outside of the 90 day window for a dispute. I filed another dispute in regard to the same trip- Case number XXXX. That dispute was filed on XX/XX/XXXX and was closed on XX/XX/XXXX. I called to confirm closure of the dispute in XXXX and confirmed that the dispute was closed by customer service. On XX/XX/XXXX, I was re-billed the amount of the dispute. I spoke to the customer service department at length on XX/XX/XXXX and after a lengthy hold time, was told that the re-bill was " an error '' and the charges were reversed. I received a letter on XX/XX/XXXX confirming that this was a billing error on Capital Ones part. This seems to be a pattern with Capital One in attempt to mitigate loss of revenue.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have inquiries on my Transunion and XXXX  reports that I thought were only soft inquiries and I would like them removed : XXXX  : XXXX XXXX  Dba XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquires it was my understanding their were to be soft inquiries or pre-qualification checks.
Consumer complaint received 2020-08-18
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. (TX)

The 3 Credit Bureaus, TransUnion, XXXX, & XXXX  are reporting accounts that were not authorized by me. 
I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Acknowledgment of information in a response letter to CFPB from Mr. Cooper. 

XXXX XXXX is quoted as stating : " Our records indicate per the Agreed Order, the Proof of Claim ( POC ) amount was {$13000.00}. You were expected to make the first post-petition installment beginning XX/XX/2016, and were to continue making post-petition installments every month thereafter. '' Please review the attached document filed as the objection to the U.S. Bankruptcy Court which was grounds for the original confirmation not being approved. This document shows how the mortgage provider used tactics to delay confirmation hearing as well as the use of false documentation to the Federal courts. Mr. Cooper 's objection claim of XX/XX/2016, stated " Creditor intends to file a Proof of Claim in the approximate amount of {$20000.00} for past due payments ''. 

The mortgage provider 's own documentation in response letters is showing these inaccuracies.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (OH)

Around XXXX of XXXX I went to XXXX XXXX for a XXXX XXXX, during the visit I was told that I would need XXXX for top and bottom and before they would fix the XXXX XXXX, they recommended me to get the XXXX  first. I agreed and they made me an appointment to get fitted for the partial around XX/XX/XXXX. During my visit, my insurance was validated with the insurance company, and the XXXX office presented with an estimate of cost for the partial, the estimated showed. the portion I was responsible for and the portion in which they insurance agreed to pay, prior to me making any commit, I was told that because the service was for custom partial, I would have to pay my portion prior to the XXXX office sending the impression off to be made. I agreed and made payment for my portion of the expense that day. Around XXXX of XXXX, return to XXXX for my XXXX during that visit they adjusted my XXXX XXXX XXXX XXXX XXXX. upon leaving I stopped at the front desk to take, and outstanding balance and I was told. There was no balance, and I was good to go. 

Around XXXX of XXXX, I received and invoice in the mail from XXXX XXXX, I immediately call their office and spoke with the billing person to speak about the bill, and I told her exactly what I wrote about, she said OKAY she would need to get in contact with my insurance company again and we ended the call. I then call XXXX insurance company just to be certain and I was told the claim paid out, so if figure must have been and error. 

Around XXXX I receive a call for a Wakefield collection agency in regard to the {$1500.00} charge, I was surprised as I though the issue was resolved, and the {$750.00} charge was now. {$1500.00}. I explained to the representative all they above and he said he would need to get back in touch with the XXXX office. 

I never heard back, instead Wakefield popup on my credit report as a collection, I have tried countless times to get them to resolve this, but they continue to report the inaccurate information to the credit bureau. 

The agreement I had with the XXXX office said I would pay portion of responsible cost at time of service which I did. I don't know what was or wasn't file correctly with the insurance company nor do I have control over that, all that was worked out at the time of service between my insurance provider and XXXX office. I contacted the insurance company and they have said they paid the claim, so I am not sure why I am still be harassed and pursued for something I don't owe.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A. (OH)

I have used my PNC Smart access card for years, they have put XXXX dollar worth of fees on my card they used to charge between XXXX cent XXXX cent for foreign transactions but recently they have charged me XXXX to XXXX cents every transaction, They blame the merchant and the merchant blames them considering the fees were taking from my account its PNC who is doing this. I think it is robbery to charge someone fees every time they use their card. I already pay a fee to have the card every month. I have reported them to the XXXX   now I am telling you. PNC does not care about their customers and even if they do charge fees this is during COVID 19 they really shoudnt be charging customers any fees during this time if they had any human compassion!!
Consumer complaint received 2020-08-18
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

I applied for a reverse mortgage and the process seemed to be going very well, until the appraiser came out to appraise my manufactured home. I have my home and I also have a mobile on my property that I rent and I rent a lot space for another person to keep their mobile home here. I had disclosed this information to the lender at the time I applied for this loan and was told there would be no issues. 
I have received a letter informing me that my application was declined and the reason simply says that I was declined because ( property does not meet minimum FHA standards ) I don't know what issue or issues caused the denial.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (AZ)

Original XXXX  electric bill. I was moving and canceled my service, it was in XXXX and was laid off due to Covid impacts XXXX advised the are running a promo for people laid off due to Covid. You could pay one you got a job. XXXX XXXX. For {$590.00}. I thought that was nice in XX/XX/2021 I get a letter from a collection agency Diversified saying my account was sold to them and due now. Sure enough they slapped this on my credit report. Ive paid it right away. But I think this is bad business, and wheres the integrity makes it hard to trust. I spend a lot of time and energy on cleaning up my credit and they did this to me. XXXX needs to stand behind their word. Thank you XXXX XXXX
Consumer complaint received 2020-08-18
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$400.00} XXXX  XXXX XXXX {$480.00} XXXX XXXXXXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX  XXXX {$760.00} XXXX XXXXXXXX {$720.00}
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (TX)

They called many members of my family and friends. Telling them that I am delinquent and my house is going to have a lien put on it. this went on for many months. Telling many people about this situation. After they contacted my father. I called her and she advised she was with legal, and she wants to stop a litigation. Which I have received no information on. She said they will put a lien on my home. This credit is not on my credit report. I was very scared, so I paid it. Yet now I know there was no debt, and very illegal for what they did. My credit report did not even change.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

XXXX/XXXX  has placed {$610.00} of unauthorized, automatic enrollment charges to the account and has failed to acknowledge cancellation of the service agreement within the stipulated cancellation period of one week. The account ha now been turned over to a collection agency, Convergent Outsourcing who has reported as a delinquent account on my credit reports - account # XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX