davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology (NC)

I am seeking employment and have been denied in some cases, where as, old information dated back well over 7 and/or 10 years are being reported in consumer reports. Asurint is the most recent company that has disclosed such detrimental information fore mentioned.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

1.I have never had an account with this company DISCOVERBANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are DISCOVER FINANCIAL SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2019-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (CA)

My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company XXXX XXXX XXXX XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I own a home that Shellpoint Morgatge services. On XXXX of 2021 I got a call from my neighbor telling me that there was a person trespassing on my property, at the time I was away from my property in XXXX and it would take me at least 2 hours to get back to my home. My neighbor called me and there was two people replacing my locks on the front door and installing a lockbox on my home. These people went inside my home and placed stickers on all my windows, I asked them on speaker home to please leave and not enter my property and they assured me they had been sent from Shellpoint mortgage to secure the property because it was vacant and I was delinquent on my monthly payment. I explained my home was not vacant, the A/C was on there is water and the lights are on, in addition I was not delinquent on my payment. I called shellpoint mortgage and they explained this had been a mistake that they would send XXXX their 3rd party contractor to put my lock back and to remove the lock box. It has now been a month and I have not accessed my home, they have not put my locks back, they have not removed the lock box. Every time I call they tell me We are waiting on the Third party. I have been out of my home for the last month and all over a mistake that Shellpoint made, they have done nothing to resolve this, how is it possible that a mortgage company can block entrance to a family 's home? how is it possible that I have been locked out of my home for a month now with no way in, they send a third party to trespass into my property and remove my lock, that is stealing something I own, on my property. I am making a monthly payment on my house that I can not enter due to Shellpoint mortgage.
Consumer complaint received 2021-08-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOPE BANCORP, INC. (CA)

1 ) recently found out that on XX/XX/2015, my divorced, ex husband borrowed money from XXXX XXXX  ( currently BBCN ) using the house I am living, not yet sold after divorce 2 ) I never knew, agreed, signed the loan document 3 ) I never knew, met, signed for deed or any other document or related people including my ex husband and bank employees and notary public 4 ) my signature on the document is forged and the bank employee actively helped XXXX XXXX 's forgery by accepting signature page without seeing me 5 ) I want to have this investigate and removed from the loan which I am not responsible Please feel free to contact me for any questions. 
Thank you for help.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (IL)

Tcf intentionally drops off authorizations and then posts them a week later to accrue fees. I had enough available funds in my account to transfer money over, my account balance was {$3.00} prior to the close of business day. I wake up to see that Im now negative because XXXX XXXX got {$65.00} posted, that charge was authorized and fell off almost a week ago, now for whatever reason it has posted and charged me fees. I have received several fees on my account from this same thing happening. I have 2 checking accounts with your company and the same thing keeps happening on both accounts and I keep getting charged unnecessary fees.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was charged for a hotel room that I did not stay in. It was smelly and I asked for another room. They showed me one room. It was just as bad. The girl told me that they were all same after I asked her if she could put me a better room. We walked back and she told me she was not authorized to give me a refund. Only the General Manager could give me a refund. I was instructed to call the next day for a refund.. Long story short the name she gave me was not the managers name I called three times as instructed by them for a refund.When I was leaving.the desk clerk told me to go down to the XXXX down the street and try them. 

My credit card company Capital One sent me two letters that the hotel room charge was taken off, I just received another letter from Capital One that they put the charge back because the hotel did lie and said I was there .The Credit Card company is putting me through XXXX with taking the charge off, then putting it back on after I jumped through hoops to submit a bunch of paperwork and spoke on the phone a half dozen times explainting this to them.. I submitted my documents of staying XXXX miles down the road at a XXXX. Submitted a bunch of documents. 

I am cancelling my credit card that I took out in 1993. It is a XXXX XXXX Credit Card and the bank connected is Capital One. My XXXX XXXX is XXXX. I pay my bills. I will not pay for something I did not get. No room, just lies.. It was a scam. A total scam. I got no accommodations. I also filed a report to the XXXX  and they informed me they contacted XXXX XXXX XXXX XXXX XXXX SC twice and got no answer back from the XXXX XXXX XXXX My credit card company said it is end of story I owe {$73.00} and I got ZERO in return, no room, no accommodations and said they will send me the bill and I refuse to pay for something I did not receive. I never stayed in the room, never brought one piece of luggage in the room. If they put the charge on my card with my next bill I told them I refuse to pay it. I was scammed and Capital One is allowing this scam. I did not book ahead. I was there in person and if the room is not adequate they always refund me or find me a room. Not tell me go down the street and I will have to call for a refund.. The woman told me the rooms are all the same and I would be issued a refund from the General Manager. They lied and I refuse to pay it on my credit card period. Capital One refused to protect me from a scam.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

XX/XX/2021 financed a sectional and bedroom set {$2700.00} total. $ 389 monthly payment agreed upon. 

Ive paid XXXX $ a month since XX/XX/2021 and the total amount due as of XX/XX/2021 is XXXX XXXX I called to report discrepancy and XXXX XXXX refused last name ) stated the most he could do is bring down total to {$1800.00} due that would also need to be paid in 30 days or the original amount financed will take affect. 

American First Finance advertised no credit check on website however there is a credit check and total amount financed is on my credit report. No they do not report monthly payments just the total amount financed is on there. 

Upon research it is also discovered that they are unlicensed to do business in California. 

Over the course of 6 months I have paid {$2000.00} on a {$2600.00} bill yet I still owe {$2100.00} this is highly illegal.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

select portfolio servicing charge me pre-pay penalty of {$6300.00} for the account number XXXX this account is paid off on XXXX XX/XX/2021 and my NOTE show I do not have any pre-pay penalty. they made the mistake at mixed up the NOTE from another loan with the subject loan. 

I was in contact with Select portfolio servicing by telephone since XX/XX/2021 to go over my loan and the NOTE at least two times a week always answer me a different person and have to go over the same conversation explaining the mistake that they did at charging me pre-pay penalty. I requested to speak with a manager but never had one available. until today XX/XX/2021 don't have any help from them. just told me the file is under review. already passed 69 days since I was asked to help me to resolve this mistake from them. 

for that reason, I am requestioning your help to resolve this.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a small business banking customer. On XX/XX/2021, Capital One transferred {$5300.00} from my interest-bearing business savings account to my non interest-bearing business checking account without my authorization. On XX/XX/2021, I became aware of this and called customer service. I instructed them to reverse the unauthorized transfer and immediately credit my account with the lost interest income. I was told that it was a known software bug related to recurring transfers. As a result I told the representative to also cancel all recurring transfers between my savings and checking accounts. I was told that all recurring transfers had been cancelled and that the lost interest income would be credited to my account. On XX/XX/2021, I was told that my " case '' was denied and that the interest income I lost due to Capital One 's software error would not be paid to me which is in violation of my contract with the bank and is also in violation of U.S. banking laws. On XX/XX/2021, Capital One initiated a transfer of {$3800.00} from my interest-bearing business savings account to my non-interest bearing business checking account without my authorization as all account transfers had been confirmed to be cancelled during my previous call. I called customer service and was again told it was a " known software issue '' with no estimated time to correct. I attempted to cancel all recurring account transfers via the mobile app and website and received a software error " Oops! We hit a snag. '' I told the customer service representative that I wanted to cancel all recurring transfers. Knowing that that would not happen I decided to eventually transfer all funds out of my interest bearing business savings account and close the account.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

Hi, Hope all is well and safe. 
There's a balance transfer charge on my TD bank credit card that I dont recall having initiated- {$130.00} and then a balance transfer fee of {$5.00}. 

I contacted TD bank but they are unable to assist me, stating that the balance transfer is valid. They did not offer me any explanation. They said they investigated and found that the charge is valid. So if they did investigate, they should be able to see who the person and credit card/bank info is. 

Like it would have to be one of the credit card I have with my name and S.S # and current address info, etc. 

They reverted the charge the first time but then the charge came back on my credit card. 

Please assist! At least give me information on the balance transfer info of the person/credit card/S.S # matching mine? Maybe identity theft? 
I did not open any new credit card recently to initiate a balance transfer.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-08-24
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: CARMEL FINANCIAL CORPORATION, INC. (PA)

On XX/XX/2020 Carmel Finan .has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2022-09-26
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. (NY)

The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

I recently made payment arrangements with Bridgecrest. I have a {$370.00} payment scheduled on XX/XX/XXXX and XX/XX/XXXX. The payments are scheduled to be automatically drafted on these dates. I spoke with a representative during the week of XX/XX/XXXX and they have no record or documentation of the call. However, the payments are still showing in their system. The car was repossessed on XX/XX/XXXX, exactly one day before the payment was scheduled to be withdrawn. I then called and spoke with representatives and they advised that I never spoke with anyone. But they do see my payments in the system. Why would they allow for the arrangements and the drafts if they had no intention of allowing me to prevent the car from being taken? Now, they want me to pay the total amount due in order to release the vehicle, even though I had already scheduled the payments.I made these arrangements in good faith, yet they still took the car. I had explained that I had been unemployed for approximately XXXX XXXX months, and I was trying to get the account caught up, since I have returned to work, but speaking with this company and making arrangements did not prevent further actions. I am now without transportation and unable to reason with anyone. They just provide the same scripted information about policy, but offer no attempt to resolve the error reasonably. I want to continue with my payments and be allowed to keep my car.
Consumer complaint received 2021-12-09
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. (NC)

I am in the process of trying to buy a home. After revieving my credit report i see incorrect information that is being listed. The incorrect accounts listed are damaging my financial profile. I havent sent in multiple dispute letters in. The dates that the letters were sent were XX/XX/2021 an XX/XX/2021 to have the account investigated. The amount awed on the account was {$3100.00}. Account a high credit limit way over that amount, and does not add up. 

This account also looks like it would be out of the STATUTE OF LIMITATIONS. This account says that last activity date was XXXX.l. I have not received any investigation results in the mail. Please assit with getting this account removed from my credit report and investigated imediatley.
Consumer complaint received 2021-12-09
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX DOB XXXX I am going over my credit file and I saw a few things that are not accurate. I have unknown addresses on my file that I do not recognize that I need to be removed. 
These addresses do not belong to me please delete them:XXXX XXXX XXXX XXXX NY,XXXX, XXXX XXXX XXXX NY,XXXX XXXX XXXX XXXX XXXX NY,XXXX 
there are several misspellings of my name my correct and my only name is XXXX XXXX, Please delete any other spellings or variations they are not correct!
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (NJ)

Since XX/XX/2022 till present I have been calling Discover weekly to get my card unfrozen. I have submitted all notarized documents requested and every week they tell me I have to submit it again. This is getting ridiculous. I asked for Corporate phone number but they declined. Please help me resolved this. 

Thank you in advance.