davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received a new Capital One Quicksilver card in XXXX. After one use, the card was restricted without explanation ( unable to use and unable to apply the contractually promised {$300.00} rewards cash I have already earned ). I had to call in, which triggered a request for identity documents, still without explanation. After providing a passport, social security card, and live ( on phone ) bank address verification with a Capital One and a XXXX agent, Ive still been asked to provide a state ID, which I simply dont have ( and won't be going out of my way to get any time soon given the state of the world ). I was told I would be called back confirming the possibility of unrestriction without state ID, which I wasn't. Calling in again weeks later on XX/XX/XXXX, I was told that in some cases a passport is sufficient, but in my case it is not. I stated that at no point in applying for the card did Capital One stipulate that holding a state ID is a requirement ( to which the agent, in her personal capacity, offered that having a state ID is obviously a good idea ). All this without any explanation and after Ive leveraged 70 % of the credit line - a bit too late if I was in fact a fraudulent a user, which is presumably the suspicion. ( While not trusting that I am who I say I am, Capital One of course requests my payment, seemingly unaware of that irony ).
Consumer complaint received 2019-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

Used PayPal to purchase concert tickets from someone on XX/XX/2019 ( paypal email contact XXXX ). I sent this person {$70.00}. He then did not send me the tickets, but continued trying to get me to send him money. Paypal will not allow me to file a dispute because this was considered a " personal '' transaction, not a transaction with a vendor. They said my only option is to request a refund, but this man is not going to give me a refund because this was a scam.
Consumer complaint received 2018-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (VA)

Upon signing my loan I was told directly by a Loan consultant from West lake Financial of XXXX XXXX CA that I would be able to get into another vehicle after I made 6 payments. I have currently made a total of 8 payments and they have reneged on their promise. I have asked this company repeatedly to put me in another vehicle or lower my current interest rate. This is verbiage from the email i sent them : My name is XXXX XXXX a current Westlake Financial customer with account # XXXX, I want to speak to a representative in regard to when I originally negotiated payments terms I was informed I would be able to get another vehicle or apply to have my interest lowered. Since this has not happened I want to do a voluntary repossession. Now what can waiver my decision or cancel this action, would be for your company to lower my very high interest rate of 23 % to around 13 %. Please update my online account to reflect to a lower payment so that I will know my interest on this account has been lowered for the month of XX/XX/2019. If this action can not be done, please send paper work for me to relinquish/surrender/give back the vehicle. Please email me all electronic documents where I can provide a electronic signature acknowledging my voluntary repossession Also send a final statement showing the payment difference or final balance after the vehicle has be sold at your auction. Thanks for viewing my inquiry.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (PA)

As of XX/XX/19 my XXXX XXXX XXXX which Im financing, was repossessed from my parking lot at home without any notice, phone calls, etc ... I had personal items including checks and account banking information thats now stolen from Hyundai. I called and was given no options other than to make a large sum payment and a number to call the vendor. I felt threatened when speaking to the account managers and representatives. They told me to work for XXXX to make money and ask anyone I know for funds instead of working out payment options. It hasnt even been 90 days past due. They tell me random numbers or what needs to be paid and I feel like theyre a fraudulent dealership. They said my car was on hold the previous week and Still took my vehicle. I dont know what to do now. My information is exposed to strangers and Im currently panicking
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USI Solutions Inc. (FL)

I received a letter from XXXX  XXXX XXXX, on behalf of US I /XXXX. Based on the information by XXXX this account was opened without my knowledge from XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.
Consumer complaint received 2019-11-15
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. (CO)

To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX   XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX  XXXX/XXXX loans starting with XXXX reporting inaccurately to XXXX, XXXX  and Transunion. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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. (NJ)

Hello, Upon reviewing my Experian credit report I noticed numerous hard inquiries that I did not make, which looks to be a case of potential identity theft. According to the Fair Credit Reporting Act, can the following inquiries please be disputed and/or removed? I've reached out to the respective companies which were unhelpful in removing the inquiries. Furthermore, I've opened an identify theft case with the IRS/federal government. 
- XX/XX/ XX/XX/XXXX- XX/XX/ XX/XX/XXXX - XX/XX/ XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXXXX/XX/XXXXI noticed these unauthorized inquiries after applying for a credit card with XXXX on XXXX and being declined due to too many recent inquiries. ( Which was valid. ) Thank you, XXXX XXXX
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America claims they are not able to verify information given about identity. I applied for a checking account on XX/XX/19. The application process for the checking account included providing DOB, SS, ID number and address information. I also went through an additional verification process wherein I answered questions related to my identity regarding past addresses and financial information that would be known only to me. After providing this information, I was immediately notified that I was approved and also received an email that stated my account had been approved, which had account terms and conditions attached to same. I was immediately prompted to create an online account where I had access to my account and routing numbers and was offered an electronic debit card. A physical card was also mailed to me and I was notified of same on XX/XX/19. I visited a branch on two occasions and presented valid government issued ID, which was verified by a teller on both occasions and scanned into their system for verification, yet on XX/XX/XXXX after account opening there is an error message when I try to login to online banking telling me my account is locked and to call XXXX. Upon calling this department I am notified that my account has been closed and that I can only get my opening deposit back in the form of a check by mail, which was a lie, because I was able to go to the branch and withdrawal the funds. I even received emails asking me to rate my visits to the branch. I have called this number back 3 more times and asked for the reason why they tell someone they are approved when the application could still be denied, they have refused to provide me the contact information for the department that made the decision to close my account. Held on the phone for a supervisor for an hour and 10 minutes, only to be hung up on because they closed for the day. I still have not received electronic written correspondence regarding the closure and no one I have spoken with will tell me why and when pressed I was told it was internal information that they do not have to provide. In the past if a bank could not verify my identity I was asked to provide it. Apparently Bank of America 's process is close the account first, then make the customer who applied and was approved online to go into a branch and go through the entire process again for a whole new account, eventhough the customer has already been in the branch and used the account.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.
Consumer complaint received 2019-11-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: KEYCORP (OH)

I complained to CFPB a few months ago about this issue, I just received a statement where I 2 payments posted and they took {$130.00} for interest. My payments are {$170.00}. When my payments cross and post together Key Bank take 75 % for interest. 
Key bank is double billing interest the charge don't match the rate.

{$170.00} x 2 = {$340.00} Key bank took {$130.00} interest.

My payments posted less than 20 days apart XX/XX/19, XX/XX/19. 

Due date is XX/XX/19 however, no payment due. The next interest will be {$200.00} if I don't pay them before XX/XX/19.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Equifax has failed to comply with my request to permanently remove an extended fraud alert. I have wrote to Equifax to remove the extended fraud alert on my credit report. Equifax has since re add the fraud alert back on my credit report after I had previously wrote to them to have it removed.
Consumer complaint received 2017-12-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!
Consumer complaint received 2019-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

was seen in the er XX/XX/XXXX provided my insurance that night, XX/XX/XXXX receive letter i'm in collections, call and they inform me that no insurance was ran. I give the collections my insurance info. Collections came off report. XX/XX/XXXX again same debt on my credit report, Call and they say never received my insurance-Gave it a 3rd time. removed from credit report. XX/XX/XXXX again on my credit-now they state insurance denied and out of timely filing. Asked for timeline of when I called in and they state I never called and gave them my insurance in XXXX and have no record of me calling in. Only a wrong number call is listed. I get my insurance XXXX  and it states that I owe XXXX dollars and I am not liable since the er failed to file in a timely manner. Collections refusing to remove mark. I have never received a bill., they had the wrong address and phone number when I called the hospital to find out what was going on and have asked to get something in the mail and haven't since XX/XX/XXXX when I got one collections letter.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

This debt collection company is not licensed to collect debts in the state that I live in. I have received an overwhelming number of calls to the point of harassment. I want this debt to be removed from my credit report.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER XXXX later Still NO REPONSE! The FCRA states that disputes must be resolved within XXXX  days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

American Express account # XXXX XXXX XXXX Account holdder XXXX XXXX XXXX I made payment on this account on XX/XX/XXXX, this week, same day payment was due, via my checking account at XXXX. As usual, the payment was scheduled for the due date days in advance. 

Despite the bank showing my payment was made, American Express charged a late fee of {$29.00}, claiming payment was not received in time this week or never made ( according to their system, they don't know what exactly caused problem, but this problem was caused by American Express, as my bank XXXX is clear that payment was made on time, in full ) In my experience, American Express is one of the worst among credit card companies for claiming payments are late, in order to run up fees and excess charges on the account. 

American Express also failed to comply with the COVID forbearance requirements, as required by XXXX law, starting in XXXX. 

I appreciate the intervention of CFPB in this matter. 

Also, I suggest a careful examination of American Express practices on all late fees is required, as well censure and XXXX fines for failure to comply with the COVID forbearance requirements. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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. (TX)

I ( XXXX XXXX ) reviewed my consumer report and I did not authorize, benefit or consent to these inquires. 
These companies are in violation of the FCRA codes : 15 USC 1681B ( 2 ) ( 3A ) and 1681. 

Please see attached FTC report and identification.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

My loan was refinanced and owned through XXXX in late XXXX, but moved to BSI in XX/XX/XXXX. During the transition a {$450.00} fee was showing on my account under 'Fee Billed ' on XX/XX/XXXX. I have never historically or currently missed or been late on a payment ever. I called BSI 4 times over a 3 week period to understand what the fee was for and get supporting documentation and the company kept telling me that it would be awhile until all documentation would make it over " during the transition '' but that I needed to pay to avoid penalty even though no one could give me any information on the fee or supporting documentation. 

In XXXX of XXXX, 6 'Fee Billed ' charges have shown up on my account with the following dates and amounts : XX/XX/XXXX {$130.00}, XX/XX/XXXX {$180.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$67.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$270.00} and XX/XX/XXXX {$45.00}. Upon seeing these charges mid XXXX, I called BSI on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX to get a response on what the fees are with supporting documentation. NO response has been provided to-date. What kind of company can EVER charge a fee and not know what it is for and have detailed documentation to support that. I asked that my request be escalated on XX/XX/XXXX to a Manager and was given XXXX as my contact. She promised me a response no later than XXXX. When I called back on XXXX I got her voicemail and no call back. I called the main # again on XXXX and was told she left the company! This is FRAUD. 

As noted above, I have NEVER missed a payment ever on my mortgage. The only other relevant item is that the City offered $ to us due to a water project impacting our property and new easements. No money has been received to-date as we are unhappy with the offer. However, this was back in early XXXX and as CONFIRMED with XXXX there is no mortgage $ owed by me given the equity value we have in our home. 

I need a response ASAP on : What are all 8 charges are for WITH line item detail that supports how these are in relation to any misconduct or breach of contract on my end These fees and this process is beyond fraudulent and the fees need to be removed immediately.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 XXXX has not established a central portal for consumers to dispute errors*** I called XXXX  on XX/XX/XXXX XXXX dispute a medical collections added to my credit report from XXXX XXXX XXXX XXXX After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to XXXX on XX/XX/XXXX which was delivered XX/XX/XXXX ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/XXXX received by me on XX/XX/XXXX ) Indicating the debt was verified as accurate and the date was updated. 

XXXX did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/XXXX and their investigation response was dated XX/XX/XXXX ( 3 days )
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

I do not owe this debt and the balance date is inaccurate. They formerly had this account.They reported the debt to my credit on XX/XX/XXXX, NOT in XX/XX/XXXX. I have historical proof! I have recorded alerts via XXXX  XXXX portal that shows when the agency first reported to the credit bureaus about this debt. The collection agency is practicing illegal acts : Ability Recovery Services , LLC located at XXXX XXXX XXXX XXXX, PA XXXX. They have been on my credit file before XXXX but they are reporting the account in their office as new as of XX/XX/XXXX. The account they have is more than a year old. That is illegal. Please have them to stop harassing me, as I do not owe this debt. Thanks in advance!
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

I WAS VICTIM OF IDENTITY THEFT, AND IN RESULT SEVERAL ACCOUNT HAVE BEEN OPEN UNDER MY NAME THAT ARE FRAUDELENT DISCOVER BANK # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX,