davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a credit card that was missing but lost in my house and Capital One said they were sending me a new one but never did. 
It was XXXX or XXXX but I do not know the entire number as I never received it. They are sending other bills to me but never gave me credit for a {$30.00} payment I made on the first of XXXX on my bill. I am not sending them any more money as they breached their contract and never sent me a card but have my address of XXXX  XXXX XXXX, XXXX XXXX, Florida XXXX.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IA)

My medical provider, XXXX XXXX ( XXXX XXXX ) in XXXX, IA had an agreement with XXXX XXXX XXXX, among other XXXX, to bill patient insurance and collect what they could and discharge the remaining balance. Patients were instructed that they would receive up to 3 invoices from XXXX XXXX XXXX, but to disregard and not pay. Previous services had gone as explained - the invoices came, insurance paid some, the remainder was discharged. In mid-XX/XX/XXXX something changed between XXXX XXXX and XXXX XXXX XXXX, but patients were not informed. XXXX claims they were not informed either. Patients, including myself and my husband, began receiving debt collection notices from Transworld Systems , Inc on behalf of XXXX XXXX XXXX. Transworld was collecting for services rendered in XX/XX/XXXX. I paid the debt in the amount of {$100.00} to XXXX XXXX XXXX, as instructed in the notice. Check # XXXX dated XX/XX/XXXX. ( I have a copy of the cleared check image, which I can provide if needed. ) I continued to receive daily collection calls from Transworld until XX/XX/XXXX. I spoke with XXXX of Transworld on this date and explained that I had paid the debt, provided the check details and date, and told him to take me off their calling list and that any further contact would be a violation of law. Today, XX/XX/XXXX I received a written notice from Transworld for the same debt which I paid back in XX/XX/XXXX.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

This is a complaint against CCS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2020-03-21
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One reported me 30 days late despite the fact that every month I had auto pay in place and payments were being deducted from my checking account monthly. However capital one increased my minimum payment by XXXX dollars but failed to properly notify me. They had an incorrect email address on file. It was only after I received a letter from them of the issue, Is when I was made aware of the situation. After which I immediately called Capital One and disputed the charges. However I promptly paid all past due amounts in order so that my credit would not be affected. 
My subsequent formal filing of a dispute with Capital One did not resolve the problem. They denied my dispute and no explanation was given.
Consumer complaint received 2020-03-21
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. (CA)

XXXX XXXX XXXX XXXX open on XX/XX/395 & And XXXX XXXX XXXX XXXX XXXX. XXXX . Open on XX/XX/19 With the corona crisis I cant support my family with this negative info on my credit report
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I called Zales to pay my bill in full not including late fee, I asked to have late fee waived since I am going through financial hardship due to pandemic and I am pay all my bills to prepare myself for the worst, however I can not afford to pay late fees I been home until further notice, unsure of when I will get paid again. I spoke with XXXX or XXXX  who is an Account Manager for Zales in which she refused to provide at least her employee number and phone number, I asked to have late fee be waived she refused to help me said there was nothing she was able to do because late fee waived back in XX/XX/2019. I made her aware of my financial situation and that I was trying to pay balance in full but did not have enough in my account to pay for late fee. She did not care and said I could pay another time. Another time I can be reported to the CBRs or possibly I will not have the money at all. She did not care.
Consumer complaint received 2020-04-01
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. (GA)

Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting XXXX XXXX XXXX on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from XXXX XXXX XXXX. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called XXXX XXXX XXXX again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with TransUnion Credit Bureau. XXXX. XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

My ex husband totaled the vehicle from this lender in XX/XX/XXXX, no one explained gap coverage when I purchased the vehicle. The account was closed and charged off, it's been in that status ever since. Last week or so, I asked for it to be removed from credit report a little early instead of waiting for XX/XX/XXXX due to having a terminal illness, it's been in charge off status for 6 yrs and they ignored the request and made the account status " open '' again. That isn't right. If they don't want to help me with account by removing the negative even though it's been so long and i'm XXXX awaiting a XXXX XXXX and will not be able to repay then just leave the account in CLOSED status. Don't reopen.
Consumer complaint received 2020-04-01
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: Experian Information Solutions Inc. (SC)

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX  FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT  TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED XXXX XXXX ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST XXXX XXXX, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I just noticed on my recent Transunion credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from Transunion, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card from Capital One ( Last digits of card is XXXX ) - I payed off the credit card with a balance of {$3000.00}. My due date is on the XXXX of every month. Usually I am only able to pay {$100.00} or {$200.00} towards the balance which causes Capital one to charge me interest because the old balance rolls over into the new month. However, I payed off the entire {$3000.00} on XX/XX/XXXX, four days before the XXXX due date. On the morning of XX/XX/XXXX I noticed that there was a new charge in the amount of {$43.00} from Capital One on my credit card statement. When I called the rep he told me that Capital One charges me interest everyday regardless of if the balance on the card is paid - not only is this new information from what I have been told by Capital One reps but this practice should be illegal. I asked to speak with a supervisor and informed them I will be recording their call- the Supervisor hung up on me because I said I would not stop recording. Please assist and rid consumers of this evil. If you need to contact me I can be reached at XXXX XXXX XXXX XXXX. Thank you.
Consumer complaint received 2020-04-01
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. (SC)

MY NAME IS XXXX XXXX, I HAVE BEEN DOING BUSINESS WITH XXXX XXXX/XXXX   XXXX FOR ALMOST 3 YEARS. I HAVE CONTACTED THE CREDIT BUREAU 'S AN ALL 3 I HAVE CONTACTED THE COMPANY. EACH BLAMES THE OTHER. XXXX  XXXX  IS SHOWING AS A MORTGAGE BUT SOMETHING IS WRONG WITHIN THE TRADE LINE OF EACH MORTGAGE ( 2 ) I THINKS ITS THE ACCOUNT TYPE OR CATEGORY WHERE IT'S NOT SHOWING ME AS A HOMEOWNER, A HOMEOWNER HAS A HIGHER SCORE. THIS REAL ESTATE LOAN DOES NOT SHOWING US AS A HOMEOWNER, HAS KEPT OUR CREDIT SCORE DOWN, AN COST ME HIGHER RATES AN HIGHER INTEREST. THEN I COULD HAVE REFINANCED AFTER THEY CALLED THE OTHER DAY SINCE VIRUS HAS TAKEN PLACE OFFERING TO REFI AT A LOWER RATE AN DROPPED PMI, IF YOU LOOK AT MY CREDIT, I PAY MY BILLS, WHEN TRYING TO GO THRU MY XXXX   XXXX  ACCT TO LOOK AN SEE IF ITS SHOWING, IT SHOWS RE 0 AUTO 2 CREDIT CARDS 2, I'M SURE THAT IS WHY I WAS TURNED ALSO THEY SHOW AS 4 HARD INQUIRY DOING WHAT TAKES AWAY MORE SCORE POINTS. THEY TOLD ME THEY USED TRANS UNION ONLY, NO THAT'S NOT TRUE THEY GET A TRIPLE REPORTING COMPANY TO USED INSTEAD OF JUST TRANS UNION, I HAVE PAID MEMBERSHIPS TO EACH OF THESE CREDITING REPORTING COMPANIES AN STILL GOT NO RESULTS, XXXX  XXXX/ XXXX   XXXX.WE ARE. STILL COMING UP IN THE XXXX I CAN EMAIL YOU ANY OF THE WORK I HAVE BEEN WORKING. TRYING TO CONSOLIDATED AN ALSO BE ABLE TO GET SOME OF THE DECREASED RATES THE U.S PRESIDENT IS OFFERING. I JUST CANT THINK OF ALL THEY HAVE COST ME AN I WOULD LIKE FOR YOU TO INVESTIGATE ALL PARTIES INVOLVED, THE XXXX XXXX XXXX WAS THE HARD INQUIRIES. PLEASE HELP ME SAVE OUR CREDIT/ SHOWING AS A HOMEOWNER. THANK YOU, I WILL BE PATIENT WAITING ON YOUR ANSWERS.THIS IS ON ONE OR THE OTHERS PART..
Consumer complaint received 2020-03-21
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: Lending Club Corp (TN)

Lending Club made unauthorized credit inquiry. I did not input my social security number but received email from XXXX with my current score and account information. 

Lending Club ADD BELOW See Your New Rate Hi XXXX, We're giving you this opportunity to pay down high interest credit cards, fund a home improvement project, or make a major purchase. 

Lending club email request to inquire about the loan interest rate. I didn't input my social security number into the system nor did I approve the credit pull. I received notice from TXXXX with my personal credit score and account information. Please remove the inquiry from all credit reports. 

Below is the information provided by Lending Club to prompt the inquiry. 
With a personal loan through LendingClub, you can borrow up to {$40000.00} to meet almost any financial goal. Loans through LendingClub feature : A fast application and deposit to your account Flexible loan amounts and terms Low, fixed monthly payments No penalties for early repayments It takes less than 2 minutes to check your rate online, with no impact to your credit score. * Click below to get started!
Consumer complaint received 2020-04-01
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: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against AMERICAN EXPRESS.The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Consumer complaint received 2020-03-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Due to the fact I cant work and my husbands job has been impacted, I fell two payments behind. I have been working with Nissan every step of the way to get this resolved. Ive made numerous calls to Nissan. I spoke with one of the service representatives and we came to the agreement that I would need to submit a payment through the online system on XX/XX/XXXX. Then call Nissan on XX/XX/XXXX to continue to work on the second late payment. I was told the account would be documented but I still might receive a phone call every few days. Instead I am receiving several calls daily. Some that arent even an hour apart. I set the payment up online yesterday as I said I would. This morning yet again I received three calls not even an hour apart. Thats just before I filed this complaint. I am sure there will be more.
Consumer complaint received 2021-06-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANDY SPRING BANCORP, INC. (MD)

I reached out to XXXX XXXX branch manager I was interested in purchasing a commercial property located in XXXX Maryland. My business is located in XXXX Maryland I first gave the full 100 page appraisal that i paid for out of pocket {$2500.00} to mr. XXXX so he can see the whole scope of the investment because the property Who is producing {$50000.00} a year and income it already had two tenets. 

After about a week or so I got an email from Mr. XXXX saying he was unable to give me a commercial loan without explanation. 

I asked for explanation and i was then told by mr. XXXX that hes going to reach out to his senior underwriter. 

Then he told me that he would need my tax return. I gave him the profit and loss of my tax return and then i also told him that I had other means of income which was Social Security from my late husband as well as family support which my family all contribute to a savings account. 

I was told I had to get this information before I would be given a application which I later on found out that was incorrect. 

First I was told I need two years tax returns Then after i said i wanted to go through the application process then they said I needed three years.

I felt they were trying to discourage me from applying they denied me before I even applied. 

I believe this is discrimination because I am a XXXX woman on business. 

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