davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/2021 I was in XXXX. 
I was in the club with my friend when the bartender said our cash is not enough and we have to pay about XXXXXXXX XXXX XXXX XXXX  ( around {$50.00} ) for drinks. 
I gave her my Chase credit card, then She say the transaction was declined. I said it was not possible and asked her to try again, she told me to sign the rejected transaction. 
( I thought the transaction was not completed because I am abroad USA ) Later She asked if I had another card with me. Then I gave her my XXXX XXXX card and My XXXX card. Then she said that the transaction finally passed. It was late at night, so in the morning I only checked my account balance. 
there were transactions on it XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX I actually authorized a transaction for {$54.00}, but not the others because it will be around XXXXXXXX XXXX  ( {$50.00} ). ] Others transactions of a total of {$2900.00} were never authorized. 
I filed a fraud case with Bank Chase by phone. 
on XX/XX/2021, receive a letter from chase Bank with information, ,I give authorization to the user involved in this transaction ' ( Appendix No. 1 ).

My other two cards have also been charged a total amount of ( {$15000.00} Citi ) ( XXXX XXXX {$9900.00} ) {$25000.00} at the same time, which is impossible to spend and every normal person sees it as a scam. 
Two Banks, XXXX and XXXX XXXX settled my complaint in my favor and I was not charged with this scam. 
I will add that in XXXX the monthly salary is below {$1000.00} So I don't know who was handling this complaint... 
I declare that I will never pay this money and everyone can immediately see that is fraud.
Consumer complaint received 2024-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (CA)

On XX/XX/2024, I contacted Shellpoint Heloc customer service located in XXXXXXXX XXXX. I demanded that they answer why they had held my {$5000.00} additional principal payment that I made over 35 days prior. After customer service rep - XXXX could not help me, I demanded that a manager resolve this issue. XXXX claimed to have escalated my ticket request and told me that his Manager - XXXX XXXX could call me back regarding the issue because she was busy with another customer. I demanded a confirmation of when the manager- XXXX XXXX would call me back and was told that it would be on the same day. 

It's now been 4 days and XXXX XXXX ( manager ) has never called me back. I logged into my SHELLPOINTMTG dashboard and see that they finally applied my payment but they also made my loan completely " inactive. '' shortly after I received an email that ShellpointMTG was closing my account. 

I NEVER ASKED TO CLOSE MY HELOC. My heloc is still within its 10 year draw period. ShellpointMTG is attempting to close my account without my authorization, and they are blocking me from accessing my dashboard and my the refund for the erroneous payments that they charged me. ShellpointMTG has charged me erroneously during the 35+ day period which they failed to apply my principal payment for {$5000.00}. 

This company is fraudulent, incompetent, and downright dangerous to consumers. But that does not give them the right to close my HELOC while I am legally entitled to my 10 year draw period.
Consumer complaint received 2021-09-08
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: Experian Information Solutions Inc. (CA)

I the consumer XXXX XXXX, have been involved in identity theft, who has some items on my report that were as the result of identity theft. I also found out my information was leaked in the XXXX data breach. I keep letting Experian, XXXX, Experian, and they keep saying these fraudulent accounts are verified and they can't remove them even after I have submitted an FTC report to show that these accounts were fraudulent and I didn't benfefit nor consent to these accounts or inquiries. These collection accounts never reached out to me before placing these accounts on my account, which violates 15 usc 1692g as they were to write me 5 days before placing them on my report. Please investigate these accounts and block and remove them after confirming they are fraudulent.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

Again, ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. That is a violation pursuant to 15 U.S.C. 1692b ( 2 ) and 15 U.S.C. 1692f ( 1 ). ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language by accusing me of owing this alleged debt. I will not pay it. Their allegation is ruining my consumer report because its inaccurate. The debt is not mine. I do not have a contract or anything with ALDOUS & ASSOCIATES, P.L.L.C. nor do I wish to do any business with them.. I am enforcing my rights, as a consumer, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability. Pay the invoice and remove this from my consumer report.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2021-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC (TX)

XX/XX/2020 with the response and sent back they made a bunch of Lies it's the true they harassed me making threat calls what all you said in that respond with notebook telling stories and I'm asking for this to get disputed off my credit report you ain't never tried to work with me help me on this year show me proof send Consumer Finance through what you told in that statement you don't send the pru it's all a bunch of Lies
Consumer complaint received 2021-09-08
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: Home Loan Center, Inc. (GA)

XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of Lending Tree messing up people 's credit.
Consumer complaint received 2021-09-08
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: HSBC NORTH AMERICA HOLDINGS INC. (MI)

On XX/XX/2021 a charge {$12.00} from park receipts in XXXX  appeared on my mastercard HSBC. I live in XXXX. I contacted and reported disputing this charge 3 times. After waiting 3 weeks my card was closed but now I can view my statements and balances on line but can not make any payments or transactions. The disputed charge still remains.

They sent me a letter attached asking for a response. On XXXX I faxed response and letter back. Attached. HSBC on XX/XX/2021 wrote me another letter saying attempts to contact me have been unsuccessful. 
SUCH XXXX! Instead of writing nasty letters and miscommunicating they should recognize an Obvious fraudulent charge. INVESTIGATE XXXX! Thats your job HSBC. WILL NEVER USE HSBC AGAIN!! It is illegal for me not to be able to access my account and pay these XXXX off! I have contacted you numerous times. HSBC has been unresponsive and negligent in bogus fraudulent charges and terms of agreement with card holder. Now HSBC has the balls to tell me 10 calender days or else. Unacceptable.
Consumer complaint received 2021-09-07
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. (MD)

I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

Experian - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00}
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Credit Reporting Agency : Greetings. 

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX Dispute All Inquires below from the following Lenders or Institutions was made fraudulent, please delete immediately - 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 XXXXXXXX - XXXX XXXX XXXX XXXX For the Following Reasons : No Authorized No Recognized Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX Original creditor : XXXX XXXX OF XXXX {$430.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$580.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX Original creditor : XXXX BANK {$780.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX 
{$3600.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$11000.00} XXXX {$2100.00} XXXX {$96000.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$4900.00} XXXX XXXX {$6200.00} XXXX {$800.00} XXXX XXXX  XXXX XXXX {$30000.00} XXXXXXXX XXXX  {$6200.00} XXXX XXXX  XXXX XXXX {$24000.00} Please be advised I have requested ''validation '' not verification of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

In XX/XX/2021, I submitted a check electronically through my bank account to pay the balance in full to Comenity Bank for my XXXX credit card. In XXXX I received a statement and the same balance was showing that Id just paid the prior month. I check my bank account and the check had cleared my account. I contacted Comenity Bank to see what they had not posted my check to my account. They said Id have yo dispute this and it would take a while to correct and that Id need to continue to make monthly payments until it is corrected. About 30 days later I received a letter from them asking me to send my cancelled check which I did right away. A few weeks later I received another letter stating they received my cancelled check. Today I called Comenity Bank to follow up I spoke to three people who were no help whatsoever! My question to them is why did they not update my account when they received my cancelled check but have chosen to continue to require monthly payments and charge me interest in the meantime. The response was that I need to wait until they research it. Which is not my problem. They can clearly see I did my part!
Consumer complaint received 2021-09-28
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: EQUIFAX, INC. (CA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2020 and XX/XX/2020 due to Covid 19 the government shut down the country and many states shutdown too. At the time Capital One would only take my payment via phone with a debt card or credit card, I was unable to get through to anyone on the phone due to no one working or limited staffing issues at Capital One the phone lines were left unanswered resulting in late payments being made on my account. I have asked on numerous occasions for Capital One to remove the late payments to no avail.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (NY)

I am a XXXX  and attend an out if State university that is 1000 miles away from my home of record. I have 2 issues. In the past, XXXX  has charged me for my statements. I am a XXXX XXXX with not a lot of money. They are preying on XXXX. I stopped by and spoke with the branch and they wouldn't replace the money they stole from my account. 

Issue 2 - my debit card was expiring at month end XX/XX/XXXX. I contacted them several times for a replacement. Last time i called they closed my current card down 2 weeks before it expired. I am without a card and no access to my funds as I am out of state with no close branch. They were supposed to ship another card to my address in college in XXXX  and instead they sent it to my home address in XXXX  ( 1000 Mile 's away ). My father who is on the account and I both called them over the weekend and they assured it was shipped to XXXX  and was supposed to be there on the XXXX and showed up in XXXX  on XX/XX/XXXX. They are a horrible bank that preys on the young. Even though they verified both my and my father 's information, they were not very helpful on the phone and refused to confirm where they shipped it to ( they made us say the address and then said yes that is where it went- it did not ).
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to remove XXXX : XXXX XXXXDate of Inquiry : XX/XX/ XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute - Unauthorized Furnishing and Access to My Credit Information Dear Sir/Madam , I am writing to formally dispute the reporting and/or obtaining of my personal credit information by your agency without my written consent, as outlined under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following accounts on my credit report, which I have not authorized : Creditor Name : American Express - General Inquiries Account Number : XXXX Creditor Name : American Express - General Inquiries Account Number : XXXX According to the FCRA, credit reporting agencies are required to have explicit written authorization to furnish or obtain an individual 's credit information. I have never provided such authorization, and I believe that your agency has either furnished my credit report to third parties or accessed it in violation of these requirements. 

Please investigate this matter and provide me with documentation showing the written authorization that you claim allows you to furnish or obtain my credit information. If no such authorization exists, I respectfully demand that you : Immediately cease any unauthorized furnishing or access to my credit information. 
Delete any entries or information that were furnished or obtained without my consent. 
Send me a confirmation of your actions regarding the deletion or correction of my credit report. 
Additionally, I request that you send a copy of the updated credit report reflecting these changes. 

Under 15 U.S.C. 1681, you are required to investigate and resolve this matter within 30 days. If this matter is not corrected, I will consider pursuing legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal. 
I've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.