davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.
Consumer complaint received 2022-09-05
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PCR Group (OH)

This collection agency uses tactics and represents themselves as attorneys or law firm as they have themselves listed that way on my credit report. 

They NO longer have an obligation on this debt and they have sold/transferred to an actual attorney firm to which I sent a debt validation letter to almost 30 days ago and have not responded either. 

These collection agencies continue to pray on the XXXX  of people regarding their credit and skate the laws issued by the FDCRA.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have repeatedly asked LVNV Funding for proof that they own this debt. The original creditor is not reporting on my credit report. They have not been able to provide an assignment or any documentation that they are the owners of this loan. Please see attached email chain.
Consumer complaint received 2022-02-11
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. (FL)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED A LOT OF FRAUDULENT ACCOUNTS IN MY NAME. I AM TRYING TO KEEP MY CREDIT TOGTHER AND I HAVE TO DEAL WITH THIS. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM. SOMEONE HAS EVEN APPLIED FOR CREDIT IN MY NAME WITHOUT MY CONSENT. PLEASE HELP ME
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NY)

After a year of on-time and high value payments on my account. I made a $ XXXX payment to my XXXX credit limit to provide a positive improvement to my credit profile and the bank immediately withdrew my credit limit of the XXXX and lowered my limit to $ XXXX almost instantaneously. This is an ongoing issue that many customers continue to experience with Synchrony Bank which as a result has provided a major negative impact on my credit profile. These activities are malicious in nature and result in sever and negative reports on our credit profiles. I called to understand why this happened and while 90 % of the representatives were off shore, everyone said it is a computerized decision and no credit team can be contacted or reached to further understand this negative action against my credit. I am completely left powerless against this agency and my credit is now further negative impacted by their actions.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

EXPERIAN 's Incorrectly reporting my fully paid XXXX XXXX XXXX account with zero balance as in collections ; In XXXX and XX/XX/2021, Experian failed to conduct the required fair investigation and re-investigation of my valid disputes ( with Exhibits ) and delete XXXX XXXX XXXX ongoing Opened XX/XX/2021 false and bogus {$340.00} XXXX XXXX XXXX collection from my exceptional credit history and files/reports ( FISCO Scores above XXXX to low XXXX ). 

Also as of this date, Experian and XXXX XXXX XXXX refused to provide me notice and/or proof of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$340.00} alleged debt. See Attachments.
Consumer complaint received 2018-03-17
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. (FL)

Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a consumer.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AP)

I was half sleep and a woman who was rushing me all day to do this money thing kept blowing up my phone asked for my info and i wasnt paying attention to what she said but i gave her the password and last 4 of my social and my dob and I thought I could trust her but then i wake up about 30 secs layer with her not to be found and me locked out of my account. After i tried all night to grab the XXXX dollars from my debit card but it didnt work bc the card isnt available anymore they most likely have applied for loans within my account when i dont apply for any benefits or loans within my bank and its Navy fed
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/2020 a transaction for {$160.00} was taken from my checking account when the transaction was declined. I spoke with hsbc customer service and was told to fill out dispute form. I downloaded form, completed and returned. Waited 30 days and heard nothing. Called hsbc customer service and after 45 mins of rep trying to find out why my dispute was stopped/cancelled was told I had to fill out different dispute form because it was an ACH withdrawal/payment! Ok downloaded new form, completed and faxed back ( with verbal confirmation of receipt ). Waited 30 more days with no update. Spoke with customer service and told I would receive an email with update. 
On XX/XX/2020 I Received email saying, Upon checking the records we notice that, we have received the form but we are unable to process the dispute as you have not selected an option in the form. 

So I resubmitted the EXACT SAME dispute form because after rereading it I still couldnt figure out what I did wrong ( the hsbc customer rep couldnt figure out what I did wrong or what they where talking about not selecting an option )! THEN when I called to verify receipt of faxed dispute form I was told it was over 60 days and couldnt file a dispute anymore!!
Consumer complaint received 2015-12-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

I had made payments on the XXXX mortgage for over 10 years with out a late or missed payment. PNC Bank asked that I pay in full and when I requested a hardship modification in XX/XX/XXXX they sent it to me on XX/XX/2015. When I contacted PNC Bank they indicated I had 30 days to complete it and that my representative was XXXX @ XXXX. XXXX. When I reviewed the documentation is does n't have XXXX 's name or due date. When I contacted PNC again they indicated I had until XX/XX/XXXX. I contacted them again and was told it had to be received by XX/XX/XXXX but should be postmarked by XX/XX/XXXX. No where is this stated. This is the 2nd time PNC has sent me Hardship Documentation with no due dates specified, the 1st time they denied me saying they received it too late. It was too late by a day. This is systemic behavior of 'moving goalposts ' to an avoid a loan modification.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.
Consumer complaint received 2016-01-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (NC)

Telecheck/TRS Recovery is blocking me from using my checking account. On XXXX XXXX, 2016, a check was written to XXXX. XXXX drugstore had a power outage. Put check through twice, but later canceled second charge for {$100.00} for same items. Telecheck/TRS Recovery has issued false report so it can make money that is not owed. XXXX drugstore is aware, but claims it has no control over Telecheck/TRS Recovery ( First Data ). I need a resolution that will remove the block and stop the phone calls daily from various anonymous or hidden numbers.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (CA)

I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.
Consumer complaint received 2016-06-29
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (IL)

I purchased a 1 yr old BMW 3 series and applied and received a loan from BMW financial services. I was not told however of the high interest rate. I have asked BMW to reduce my interest rate, and they told me to wait 6 mos and apply for re financing. I did but I was told I would not get the rate my salesman told me due to some dealers offering a promotional deal of 0 % or 0.9 % ... .I have been trying to get BMW financial to reduce my interest but to no avail. Can you help a senior out? Thank you
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I had this account for 15 years. At that time it was XXXX, then that was sold to Metro bank, and now First National bank bought it. I never had a problem until First National bank got into the picture. The buried me in overdraft fees and any other fees they could think of. They took XXXX direct deposites and paid themselves, at that point there is no funds to pay anything else. I was n't aware this was going on because one the bank card was demagnitized, two I felt my direct deposites were covering my charges which were XXXX dollars XXXXdollars gas food, and the big one was paying the rent. My direct deposite is from a part time job, however it 's important to me because it helps me pay the rent, I 'm a widower I live with XXXX kids and put food on the table. What I do n't understand about First National bank is that why is it when there is insufficient funds they do n't simply close the account instead of charging overdraft fees. They do n't have anything written that they have the right to have overdraft fees, so I do n't understand how they can charge me fees take everything then hand it over to a collection agency. There is something fundamentally wrong that allows a bank to do this, to the point of bankrupting an account holder. I have been in contact with them on Fridays because that was the only time I had available, one gentleman looked at my account looked at the fees, then said he did n't have the authority to waive any fees and directed me to his manager XXXX XXXX. She was supposed to get in contact with me and never did, I went back the following Friday and told him what I wanted which was to have my direct deposites returned to me because I earned them, second I want the fees waived, thirdly I want the account closed. He wrote that down and told me the regional manager has the authority to do so his name is XXXX XXXX, and then never heard a word from him. Meanwhile I feel as though they were stalling, eating out the clock so they can bring it to a collection agency so they do n't have anything to do about it. While this was going on I opened up another account and had my money moved to that account because it would have been an endless viscious cycle. That other account, there 's an agreement that if there is insufficient accounts there would be a decline when swiped. To have this thing go one and owe an exuberent amount of money baffles me and the only thing I can conclude on is that this is how the bank makes its money. So they are looking to create scenarios to look into your account and to go around doing this. As I stated before First National bank has no agreement to take my money to charge me, nor did I agree to their policies on how they run their business. I 'm a struggling guy and when I lost those direct deposites it was devistating.
Consumer complaint received 2015-06-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing