davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to file a complaint to CAPITAL ONE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX.I have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. Experian simply reported my dispute as : " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells Experian their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.
Consumer complaint received 2023-11-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

The loan belongs to my father who XXXX  in XXXX. Went to pay off earlier in the year they refused. I am the owner at XXXX XXXX XXXX XXXX Maryland XXXX. This has been an ongoing issue since 2016 when father was alive. I need to pay off mortgage, or have the lein removed from my property. My investigation reveals that they are not a good company. As I ( XXXX XXXX ) am the property owner I have all rights to any and all bills regarding XXXX XXXX XXXX XXXX Maryland. This is under the law " 12 USC SECTION 1701 J-31 also known as the XXXX XXXX. 
Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (GA)

InXX/XX/2019 a one year lease with a family member was contracted with XXXX XXXX XXXX. A background check was done and security deposit with administrative fees paid prior to move-in. Six months after our tenancy, the property manager, XXXX, permitted her boyfriend to live out a lease of a neighbor across from me and let him have an assigned parking space. On XXXX XXXX XXXX, due to tenants holiday guests, I had to park in guest parking as I allowed a relative to use my assigned parking. The property was poorly lit and I mistakenly parked in the property manager, XXXX boyfriend ( illegal ) parking space. The property manager towed my car. That created a toxic dynamic for the duration of my lease, and may be the motive behind this false debt collection notice as XXXX, the property manager was terminated a couple of months later when I complained about her towing my car to an agency for housing discrimination complaints. 
My relative/roommate moved out after 9 months and two more family members moved in and was added to the lease for the remaining three months on the lease. When the year lease ended, I returned the key ( s ) and had the carpet shampooed and had photos of the apartment left in good condition. I also provided a forwarding address for the management per their request. Now many years later, the first 2-3 years I lived in a neighboring community and now I live in another State, I received a notice of a debt that is false. The law office, Kimball, Tirey and St. John LLP, mailed a document of false charges and request me to reply to the false debt associated with a tenancy that I left in good standing. The apartment I moved to after I left XXXX XXXX verified that my family and I were in good standing as well. To wait many years to create false charges is identity theft, a scam and/or both. The property manager, XXXX, who I spoke with to ask for the Owners contact information informed me she will be terminated if she gives the Owners information. The Owner and property manager ( s ) may be treacherous corrupt businesspersons, abusing the system by rigging prior tenants information to extort money and using false charges of damages that can no longer be substantiated due to many years having passed and records being lost over so much time. My contract with XXXX XXXX was fulfilled with {$0.00} outstanding balance.
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: QuickClick Loans of Illinois, LLC (GA)

My roommate informed me that a processed stopped by to served me papers in which I am out of state going through XXXX. I took a medical leave of absence from work and its a 90 % possible chance I wont be going back due to my illness. The way they beat if the apt door was rude and distasteful. Brookwood loans never sent anything in the mail after I contacted them via phone and email. They wouldnt even update my address they were just plain out nasty. I will be filing a complaint with the State of Georgia about their rip off high interest rate fees. I have paid these paid over {$1300.00} and my balance has not moved I actually owe more than the original loan amount. I am focused on my XXXX instead of dealing with these dishonest people. My doctor told me to focus on my treatments and not to worry about them if I do he said I will end up sicker stressing out over a loan I cant control currently. I was paying the loan on time when I did have money. I had to pay out of pocket medical expenses and it left me with enough money barely to eat. I had multiple XXXX for XXXX XXXX and now under going XXXX. There is nothing I can do I am literally almost homeless. I had to have some move in a one bedroom apt with me so I wont be in the street. I am not sure if Im going to be here to or tomorrow. I have XXXX because of the XXXX and have to wear XXXX in order to walk. I am really having a rough time and these people just driving my roommate crazy beating in the door. I can only pay {$20.00} a month .I dont have a problem showing the judge my expenses for medication and treatment. asked my roommate to accept the papers being served and he refused because he stated he wants no parts. Im in a different state receiving XXXX treatments. Just please stop harassing my roommate by beating on the door. Is if possible for you all to email the papers youre trying to serve it may be pointless if the court date is in the next 60 days I be here getting XXXX roughly 3 months and still unsure if its going to work. I may XXXX in three ( 3 ) months who knows. I just pray everyday and thank God I am still breathing. I never tried not to pay or skip out life happens and mine was XXXX. You can see I care I paid on a loan for over a year with no issues. I cant control what life throws at me.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing my credit report i must inform you that I am NOT responsible for this fraudulent account. Someone stole my identity and opened up a fraudulent account and inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) under the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the account and inquiries listed IMMEDIATELY! 
I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 


XXXX  XXXX Late Payment {$0.00} EXTRA Late Payment {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Collection {$860.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Since i started this account with Huntington I have received over {$1700.00} in fees. The account was opened in late 2021. 

In additon to the overdraft fees, they have charged me returned check fees, real time payment fees, international fees, " extended overdraft fees '' when it extended too long for them, too many transaction fees, etc. 

This is coupled with the fact that there is not an option, no way to stop transactions from coming through if there isnt money in the account. This type of account they said " doesnt permit '' me to stop any transactions from coming through that create an overdraft. The screen for overdraft options is blank for this account. So i literally cant stop it and they will keep charging me. 

Ive called them multiple times about it and they wont help me and wont stop transactions from going through. Now the interesting part is they say they " cant '' stop them but if the account goes over roughly {$3000.00} in the negative everything is stopped. So they can they just wont stop it. 

Also they chagre me a fee when theres an over draft and then they charge a fee to return the payment? So what is the overdraft fee for? Its not paying for the transaction when they send it back?
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (OH)

I applied for this card with Prosper ( ending XXXX ) in XXXX of XXXX. The annual fee was waived for one year, I used this card for one charge in XXXX of XXXX. The card required autopay which I setup at the time of application. I never used the card after. On XX/XX/XXXX I called to cancel the account since I acquired a card at a much more favorable interest rate. Fast forward to XXXX of XXXX, I see the account has a balance of {$39.00}. I immediately contacted Prosper to inquire why there was a balance and open. I was advised the waiver request would be submitted and the account would be closed as it hadnt been previously. I was advised the account was closed and a request to waive was submitted. Today, XX/XX/XXXX, I contacted for a status since I have not heard anything. I am advised no waiver was submitted and that likely it would not be, quoting terms and conditions. I have been nice to this point as long as its waivedand closed its not a big deal, now Im being told I may be responsible for the fee as a result of the account not being closed in XXXX when I requested it. 
I am looking for the CFPB to intervene on my behalf. I believe something unfair and deceptive is going on. I suspect there are other complaints similar to mine with other former cardholders. Please investigate!
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Hi, I disputed charges with Banana Republic credit card, and they are charged through Amazon and XXXX. These charges were dispute about two months ago, and I have periodically called Banana Republic as to where I can submit additional evidence to support my claims, and they told me they would contact me when they needed something. I also called last month asking the same question where I could send additional evidence, and they told me the same response. Today I called again, and they told me the disputes were favored to the merchant. I asked to re dispute, and for them to show me the documents that they received because I did not receive anything. Then, I asked them if AGAIN, if I could please send them information because I have not received anything through the mail, email, or phone calls. They basically decided the disputes against me without listening to my side, receiving my evidence, and not even notifying me of what they needed. Again, I've done my due diligence by reporting the charges and asking where I can send my evidence, and they told me the same thing every time I called. I am requesting the documentation they made their decision with, and to redispute the charges and credit my account.
Consumer complaint received 2020-04-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (CA)

in XXXX i was give 2 delayed payments which still exist and now the are threatening reposetion i made a payment on XX/XX/XXXX for the XXXX bill they called and threatened me do to the current problems and i have complained about them before and you tookcare of it and i had proven that they had been over paid and the 2 delayed payments still exist now they are saying they dont
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I have asked for administrative forbearance to be removed from my account as the months in forbearance do not count toward XXXX. I did not ask for this forbearance. 
Their timeline for forbearance removal was XXXX  days and it has been over XXXX weeks since my request. I do not want any further months of non payments and to delay my loan forgiveness and want my forbearance to be lifted immediately. Please force this servicer to remove the forbearance as requested in a timely manner so that I can continue to make progress toward loan forgiveness. Their incompetence is interfering with my XXXX  timeline. 

Thanks for your time and assistance with this! 

XXXX XXXX
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer services had my car repossessed on XXXX XX/XX/19 at XXXX. I woke up to a banging on my door at XXXX regarding my car. I was told I needed to hand over my keys by a large man maybe 3x my size. I asked if he could wait and that i needed to cal Wells Fargo and he said no. He said my car popped up on the registry 30 minutes ago and if they didnt pick it up someone else would. At this point, a few of my neighbors were in the hallway because of the noise. I get my keys to go downstairs to see my car on a tow truck. I live in a small building with 8 apartments and a private garage for the residents of the building so they forced themselves in because no one would have let them in. The guy said they made a lot of noise getting my car out. Before I could hand over the keys, the guy took my car key out of my hands. I asked where the car was going and he said just pay the bank what you owe to find out. They refused to give any paperwork or talk to me further. I filed a complained with the office of president affairs the same day ( XX/XX/19 ) regarding this unlawful possession and they still have yet to follow up. They have said that if the repo company says they didnt do it they will take their word. I sent Wells Fargo pictures of my garage which show it isnt open and the repo company said they were let in by someone which is false. I have spoken to Wells Fargo multiple times a day each day to follow up on this case and there is no resolution at this point. I have made the payments to get my car back and still dont have it because they delayed the processing and the repo company would not offer times for me to pick it up today. I now have to wait till Monday and call same day to pick it up
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. XXXX, TransUnion XXXX did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a XXXX  XXXX  XXXX  of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  XXXX has a Installment loan that is on my TRANSUNION report that is NOT MINE. I called XXXX Customer Service and asked them what this loan was for and they told me it was for a XXXX XXXX XXXX XXXX XXXX XXXX GA, I live in XXXX XXXX XXXX. XXXX hours away. I asked for the address on file and it was from a old address on a house I sold 9 months ago, I asked for the DOB on file and it was NOT my DOB, I asked for the SS # on file and the rep said they could not provide it for me but it was not the one I gave them. I asked for them to send me a copy of the signed loan agreement and it has a credit score of XXXX on it as of XX/XX/XXXX. My score was higher than that on XX/XX/XXXX in TRANSUNION bureau, proving the SS @ on file on this loan is NOT MINE. So basically XXXX XXXX  XXXX are doing fake loans on unsuspecting consumers using just their old address and putting in fake SS # and DOBs. I contacted TRANSUNION and filed a dispute and they said it was up to creditor to remove. XXXX wanted me to file a Police report and send in copy of my DL to them, no way I am sending them this info when they are already committing fraud, making up fake loans. 

How can you have a Installment loan on my credit report when the loan : 1. Doesnt have correct DOB 2, Doesnt have my signed consent 3. Doesnt have correct SS # 4. Doesnt have my correct address 5. Doesnt have a photo ID of me If they had a copy of my Drivers License the XXXX XXXX be right would it not? 

This is blatant lender fraud. Making up and funding loans on unsuspecting customers using bits of information.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Rewards I've contacted the customer service department for bank of America a few times and each time they said something different like it takes 30 days from purchase date and were waiting on the company to send it back and it will be there on XX/XX/XXXX and now they tell me that I had to click on a special link to receive my cash back not only the rewards button in the app that said active