davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XXXX I received a notice that my loan had been transferred to a new servicer as of XX/XX/2020 from XXXX XXXX  to ShellPoint. On XX/XX/XXXX I paid my original servicer the full amount due which was {$600.00} making my account current for the XX/XX/2020 payment and my next due payment would be XX/XX/2020. ' The new loan servicer ShellPoint started calling me advising I had late fees and was delinquent on my XX/XX/2020 payment. Through several calls they were unable to provide me any details saying all they know is I owe a late payment and that I still need to pay my XX/XX/2020 payment. I asked them to research this to which they said it has to go to another department. What I was eventually told was that I had to go back to my previous servicer and get any information to prove that I paid them prior to the account being transferred and that was not the new servicer job. Repeated calls requesting a supervisor, no resolution. I get calls saying I still owed XXXX for weeks. I paid my XXXX and XXXX payment and was then told I still owe XX/XX/2020 because when I paid they applied my payment to XX/XX/2020 and XX/XX/2020. I have been going round and round with shellpoint. When they call I have no asked to have them turn the recorder off as I live in California and its a 2 party consent state and they say they cant. At first they asked me to hang up and I said I would just wait. They know just disconnect the call and call back the next day or same day. This kind of behavior has to happen often with these servicers that take over loans and then put it on the consumer to prove that they dont actually owe the money to them. Every statement they have sent me is incorrect, ever phone call they make incorrect states about debt I do not owe. I honestly thought they may finally call my previous servicer to clear this up but was told they dont do that because its hard to find my account. Its silly. There has to be endless other people that get caught up in this and end up spending their time proving they dont owe a debt and or just pay it. I myself have found the email showing I made a payment prior to the account being transfereed which I have not sent to Shellpoint because I think this is ridiculous. Shellpoint has no marked me as having a late payment on my credit report and my score has dropped.
Consumer complaint received 2024-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Dear CFPB Team, I am submitting this complaint to address unreasonable APR practices and non-responsiveness from [ Issuer Name : XXXXCiti ] regarding my repeated requests for an interest rate adjustment. These actions appear to disregard consumer rights under the Equal Credit Opportunity Act ( ECOA ) and fail to align with competitive industry standards.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC (CA)

I got used car auto loan from Statefarm on XX/XX/XXXX of XXXX and I have been paying on time via auto payment and all of sudden they transferredmy loan to another entity name called XXXX XXXX and it turned out to be same company of Statefarm but they changed a different name of company on XXXX I don't know which month they changed because I was out of country at that time and when I came back to the state, I noticed that there was past due 30 days marked on my credit report and I called them and explainedmy situation and they said they sent a letter to my home but I haven't received any letter from them and I didn't receive any email or phone call include text message from them while I was out of country and I told them that I haven't received any notification and this is not fair because I never changed my contact information and my auto debit bank account but they said it's a different company so they don't have any control so they were not be able to help me on this case. After that, I logged into the Statefarm account and it's about the same platform and I did make a payment through the system. Basically same Statefarm but they did change a company or I don't really know what happened and what was the intention of doing this but this is totally unfair because I haven't received any notification of this and everything is the same never changed on my end and they did post 30 days past due on my credit without saying anything to me. Totally unfair behavior and not acceptable in this matter. That's the reason why I am reporting to you on this matter. The loan is paid off now because I don't want to use service from them but that 30 days past due mark still remains on my credit report so I would like to ask you to help me in this case. I never have missed any payment in my life including Credit cards and Loan entire my life. Please help!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized ACCOUNTS that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, XXXX XXXX  {$230.00} XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$11000.00} and XXXX XXXX XXXX  {$4000.00}.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

The consumer is in violations of my consumer rights. 
under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Consumer complaint received 2022-08-08
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. (CA)

I have recently reviewed my credit report and noticed an unauthorized account on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, and you were partial. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete the XXXXXXXX XXXX  ( XXXX ) account off my report.
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I was the victim of a XXXX scam. XXXX $ was taken from my Citibank checking account to an unknown person. I have filed numerous claims to be reimbursed which all have been denied. I would like to note that I have been a loyal Citi client for over 40 years. I have a huge folder of correspondence and was told that my claim is being denied due to the fact that I did not protect my account. Every denial I have appealed.
Consumer complaint received 2022-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (CA)

At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I am writing to dispute a billing error in the amount of [ $ XXXX ] on my account. The amount is inaccurate because [ as described before the service wasnt provided I have been overcharged ]. I am requesting that the error be corrected, that any finance XXXX included and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of [ original contract matching payment records- denied letter - merchant invoice send by chase ) supporting my position. My claim XXXX was denied for XXXX different raison based on false document from the merchant -Please investigate this matter and correct the billing error as soon as possible. Sincerely,
Consumer complaint received 2022-08-08
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. (GA)

I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I am a member of chase bank, I use XXXX  for purchases for bills and all things of that nature. On XXXX XXXX, I was a victim of a XXXX  scam. I was promised XXXX on stud services for my XXXX XXXXXXXX XXXX XXXXor {$3100.00}. The payment was split in XXXX. XXXX on XX/XX/XXXX the other on the XXXX and the one on the XXXX was for a fake shipping fee they sent me using a website called XXXXXXXX My bank hasnt refunded my money back and I know by law they have to this is not right! I need your help please!! I have messages from the dude who scammed me to where he stopped texting me after I asked over and over for a refund back from him he sent false shipping information to me about the service I wanted for my XXXX XXXX XXXX! I XXXX XXXX  for a living not scam people out there hard earned money! The bank has yet to let me know if they can reverse the funds from this scammer I need help!
Consumer complaint received 2022-08-08
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. (GA)

I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.
Consumer complaint received 2022-08-08
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (OR)

I set up my autopayment on Ally Home Loans website on XX/XX/XXXX. Their system had told me the payment was set up and no further action was needed. It was to my surprise when they called me a month or so after, telling me that they still had not received payment. They requested I manually pay the amount over the phone, which I did. They claim they sent me a notice of which I never received as they had my address in their system wrong. They were sending mail to my old address. I asked Ally home loans to fix this multiple times over the phone and they never did, and I never received any notices in the mail. Their autopayment system messed up, even though it told me I was set up. They sent delinquencies to the wrong address as well. I can tell in their messaging system, which did not have these documents at that time they were using my old address.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

On XX/XX/2022 I received a letter from a debt collection company called Convergent Outsourcing. It gave an address on XXXX, WA. The letter stated I owed XXXX {$140.00}. I confirmed today with XXXX billing that I owe them nothing. Moreover, XXXXXXXX  stated they had not sent my account number XXXX had not been sent to any collection agency. However, the Convergent Outsourcing letter referenced this account number. Convergent Outsourcing 's account number for this collection attempt. is : XXXX. 

Recently, I paid a XXXX bill for {$70.00}. XXXX also billed {$71.00}, due XX/XX/2022 ; however, I was told, orally at a XXXX store, that the latter sum was to be pro rata reduced to only the amount owed for XXXX days of a month in which I discontinued service temporarily. Therefore, XXXX XXXX representative told me, I should not pay the {$71.00} but should wait for a credited sum to offset almost all of it. 

I have e-mailed Convergent Outsourcing to dispute the {$140.00} they claimed I owed. Web search reveals other customers of XXXX have made similar complaints about Convergent Outsourcing
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (UT)

I have an Experian Boost Account and have been trying to get them to resolve a loan market feature on their application. It will not allow the application to complete, it requests the last 4 of an SSN. But will not open a field to accept this. I noted today that my score had dropped by XXXX points without explanation and I wonder if hard inquiries were submitted against my credit report without my knowledge or authorization. 
Experian has failed to address or respond to my requests for information and to resolve this issue. 
I want these issues corrected immediately and my score updated prior to the change without my consent for any inquiries at all. Also, they even advertise if the application could be completed it would not affect a score. It should be a redundant statement as again the feature can not be completed.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (AR)

Yes I recieved a bill from Montgomery Ward saying I had bought a tv for XXXX and it was delivered to my address but I never bought a TV from thrm or did I recieve one nor do I want one and shoild not have to pay for something I dod not order or want or recieve
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

I am a XXXX XXXX XXXXr in the State of Virginia and Washington DC. 
I have a letter that someone opened a business banking account with XXXX XXXX XXXX XXXX. Today I received a Wells Fargo Alert that someone opened a personal account with my social security number or loan or something. 

I have not walked into Wells Fargo Bank and nor opened an account online since XXXX land closed out I had over 7 unauthorized accounts with Wells Fargo. I was on the phone with XXXX XXXX XXXX XXXX and Wells Fargo stated would not open any illegal, or unauthorized accounts. 

I received an email today - showing that an account alert from personal account and I have not used Wells Fargo in years. I am requesting an investigation in to Wells Fargo opening bank accounts for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. 


Please contacts me or XXXX or XXXX
Consumer complaint received 2023-12-04
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Google Compare Credit Cards Inc. (MI)

Original complaint that Google was charging for ad placements and running ads before approval of ads across various social media platforms. These product ads were being rejected across social media platforms as incomplete, disapproved, unverified, or rejected and linked to Google Ads platform. Google ran those ads knowing and ignoring these ads were listed as incomplete. 

Google uses small business ad placements as place holders or proxy ads for big business to target ad promotion and or dominate ad placement. 

Google uses ad manipulation to favor big business while small business experience little or none in gain, profit, or return on investment. 

Google fails to secure privacy information. 

Google has caused suspension of all social media and eCommerce platforms such as XXXX, XXXX, XXXX, XXXX, XXXX, and others search engine platforms. 

Google is limiting the exposure to the business site and requesting payment method be added after offering the deception that the business site could be promoted free while limiting exposure ; ( XXXX XXXX XXXX/ ) Google uses its header tag code algorithms to track and identify placement of ads for profit. 
Google is not a search engine. 
Google is an Internet marketing service.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OH)

I wish to report Affirm ; they have reported three times that I have a delinquent account on my XXXX report. My question to them is open your books and show me the accounting that I still owe money to you I can not call you, because your company has no number and how do I get a hold of you besides escalating this false reporting as the FRAUD it is. Open your books me and show me that I owe you any money You have reported three times the SAME thing delinquent account on these dates : XX/XX/21, XX/XX/21, XX/XX/21. I want all of these removed or I will keep this matter on going time and time again. This is FRAUD. And I wish to have my remedy. Last thing Id like to add is that on their website at the footer it says do not sell my info is charging off my account and selling it to another company just that?
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to do a verification on my credit report to make sure everything was accurate. All three credit bureaus said that they did complete an investigation and stated that everything was accurate. I completed a thorough research myself and found improper inaccuracies on the credit report even after the credit bureaus did the thorough research. 

Account Name Account Number Company Name Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.