davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sir Finance Corp (WI)

On XX/XX/XXXX, I took out a loan for {$1200.00}. I managed to make XXXX payments, but then I encountered some health issues that prevented me from continuing. I reached out to the lending company to explain my circumstances, and they were quite understanding. Unfortunately, during that time, I went through a series of significant life changes, including a difficult divorce, which caused me to lose track of the debt. Eventually, the creditor handed my account over to a debt collector, who did not reach out to me regarding the outstanding amount. On XX/XX/XXXX, I was shocked to receive a notification from my employer stating that my wages were being garnished due to this debt from a decade earlier. The debt collector never made any attempts to contact me about the debt. I discovered that the debt collector had used misleading tactics and unfair practices purposely to collect what had ballooned to an astonishing 95.25 % in interest. Current garnishment amount is {$5800.00} The debt collector has refused to respond to any of my forms of communication to stop the garnishment.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Paramount GR Holdings, LLC (DE)

On XX/XX/XXXX, I arranged payment plans with GoodLeap and enrolled in autopay, with the assurance that payments of {$110.00} would be automatically withdrawn. However, last month, GoodLeap reported my account as late to the credit bureaus. Instead of honoring the autopay agreement, they repeatedly emailed me, requesting my zip code to process the monthly payment, which I had already set up as agreed. This is ridiculous! In XXXX they took 3 payments from my account, I had to file a complaint to have the 2 of the payments refunded. They sent a response which was a lie and there is no record of such filings. 

They lied and sent this to you which isn't the case and I need this issue resolved because they are incompetent. 


Dear XXXX XXXX, GoodLeap is in receipt of the complaint filed on XX/XX/XXXX, with the Consumer Financial Protection Bureau ( CFPB ), regarding your GoodLeap loan. In summary, you assert GoodLeap erroneously reported your loan as late to the Credit Reporting Agencies ( CRAs ) despite being enrolled in Autopay payments. Upon receipt of the complaint, your concerns were escalated to our Loan Servicing team for research. Please note, Autopay enrollment is disabled once a bankruptcy is filed as an automatic stay is sent to all creditors. Our records show you filed for XXXX XXXX XXXX  in XX/XX/XXXX. Our Loan Servicing team confirmed the XX/XX/XXXX payment was not received within thirty ( 30 ) days of the payment due date. Accordingly, the missed payment was appropriately reported to the CRAs. To clarify, you scheduled monthly, one-time payments in the amount of {$110.00}, from XX/XX/XXXX, through XX/XX/XXXX. This is a separate payment process from enrolling in Autopay selections. Upon further review, you attempted to enroll in Autopay on XX/XX/XXXX, but were unsuccessful due to the internal error code stating, Customer Advises Originator is Not Known to Receiver or not Authorized by Receiver to Debit Receiver 's Account. As of todays date, the account is still not enrolled in Autopay. However, your scheduled monthly payments remain active until XX/XX/XXXX. GoodLeap is unable to grant goodwill adjustments to credit reporting as we are required to accurately report loan payments to CRAs. For assistance with updating your payment information in the online payment portal or any other inquiries regarding future payments, please contact our Billing Department directly at XXXX, or via email at XXXX.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (VA)

Uplift is using my information fraudulently. I have never had or used this service. I contacted them and they would not give me any information I explained its a fraud and they told me to contact the 3 credit bureaus so I did and still nothing has happened and it shows my scores have dropped tremendously. I want this off my report and list as an identity fraud. Uplift is a known fraudulent company per XXXX XXXX bank they have been hit many times
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home 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 (VA)

XXXX Tuesday XXXX XXXX I logged in to Shell Point Mortgage company website to make a payment on my mortgage loan. After logging in I was unable access my loan and make my monthly payment. I tried logging in again on Wednesday XXXX XXXX and was unsuccessful again, so I called the office and spoke with customer service representative and explain my concern about the problem. I was told I T had created a ticket for the problem. Tried to gain access to my mortgage loan on Wednesday XXXX XXXX and spoke with a customer service who also stated a ticket had been generated for the problem and was told their was nothing they could do until I T corrected the problem but had no time frame. I asked to speak with a higher level staff person and was told all the supervisors were busy and would I like hold. I stayed on the line for XXXX XXXX  and then they hung up. I need to be able to access my loan to determine if my funds had been distributed to the correct areas, because I've had problems with misplacement of funds in the past. I asked about other customers encountering this problem and nobody knew the answer.
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Post Lake Lending Inc. (OH)

I only got a loan for {$600.00} but I owe them, {$1200.00} as of today. They are offering for me to pay {$150.00} in my next 4 paydays but what happened to all the money I already paid towards the loan? Where it is? And why hasnt the balance gone down?
Consumer complaint received 2024-10-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL (TX)

I was promised to pay the account off in payments and it would not be put on my credit report, but yes it's on my credit report as a negative Which is impacting my credit report, I reached out to the company which stated they sent letters to XXXX about the account but XXXX did not update my credit report I was told to reach out to XXXX about the matter which I have already a year ago and it's still not taken care of
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC. (IL)

My Robinhood credit card payments were made on XX/XX/year> and XXXX through ACH. The XX/XX/year> payment cleared my bank on XXXX. The XXXX payment cleared my bank on XXXX. However, neither payment has posted to my credit card balance as of XXXX. They have indicated the first payment would post on XXXX and the second on XXXX, and that they can hold ACH payments even once it's cleared. They also indicated that there is no method by which the payment posting can be expedited, and when I asked to file a complaint, I was not given any method by which to do so. The first time I asked, I was ignored. The second time, I was told that " I have documented your concerns and will pass them along to the appropriate team. '' The third time, " We have recorded your complaint internally '' with nothing to confirm it actually occurred.
Consumer complaint received 2024-10-10
Product: Credit 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: AMERICAN EXPRESS COMPANY (PA)

I filed a dispute because XXXX ( a hotel booking app ) lied. They put the price at XXXX for 2 nights then after I checked out, the app said I need to pay another XXXX at the hotel so the total is XXXX. I'm not paying for that so I reached out to the hotel and they ignored my message. American Express closed the case with the reason : As per your CM Agreement and/or merchant policies, we are unable to investigate this charge. Please contact the merchant directly. However, I didn't get any communication from Amex regarding this. This dispute was in XXXX. I just realized I have to pay for this because I filed a new dispute for something else and this popped up. I reached out to Amex and they said they sent me the email already and there was something wrong with my email.
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC (DE)

On XX/XX/XXXX, I contacted Goodleap about the damages done to the my roof. They claimed that they were only responsible for offering the finance and refused to fix my roof because the solar company XXXX went out of business. I contacted GoodLeap several times and they refused to pay for the damages for a loan they financed! In addition, this company prevents customers from updating any payment information on their website as well as the records they have. It is very difficult to resolve this matter as I reached out to my state senator to address this matter. After this they have repeatedly denied they are responsible and constantly claimed that they are the financier. They have done nothing to rectify the matter. On XX/XX/XXXX I placed on a payment plan, I agreed to make my first payment on XX/XX/XXXX. I received a slew of emails and messages that made me make a payment when we had already agreed to an ACH debit transaction. On XX/XX/XXXX, they took 3 payments and refused to retuned the funds for the overpayment to my checking account. When I spoke to a rep. she stated that I made an error. I was like, how did I make an error when one payment was already credited to the account. When I asked assistance, I was told that there was no one to assist or refund my money for the excess payments! I was bombarded with text messages and emails that had me paid more than once, this is bullying and it needs to stop!

Since then, GoodLeap and its representatives have continued either through texting, and today sent a representative to my house with a threat to take legal action, even after they have yet to pay for the damages to my roof which they acknowledged as the financier but do not wish to take responsibility for the damages for the company which mysteriously went out of business.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company (GA)

On XX/XX/year> AT XXXX EST. I called FREEDOM MORTGAGE to inquire about why would they run a New HARD INQUIRY without my knowledge From XX/XX/year> - XX/XX/year> ON XXXX XXXX AT XXXX EST. I called to do a fellow up with FREEDOM MORTGAGE. 
I was told to call ( XXXX XXXX ) AT ( XXXX ) XXXX. I left a voicemail. with NO response or avail.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX escrow account checks in my name and I reported as Forgery XXXX detective XXXX XXXX XXXX. XXXX XXXX LEXISNEXIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I mailed my XXXX XXXX taxes ( {$2200.00} ) to the IRS using a Chase check in XX/XX/XXXX. The check cleared for amount I wrote, so I did not look any further into it. In XX/XX/XXXX, my tax return came back low, by the same amount as my XXXXXXXX XXXX payment ( {$2200.00} ). When I pulled up the image of my check, I saw that it was written to someone who is NOT the IRS, and I've never heard of. Certainly not how I had written it. While my account is with Chase, and the check was mailed to the IRS in Kentucky, the check was cashed at a XXXX XXXX XXXX XXXX. I immediately went to my branch and reported it -- within 4 hours of discovering the altered check. My branch manager has tried and tried to help me, talking to everyone and continuing to appeal, but Chase 's back office has ruled that the check was forged, and Chase policy is that I only have 60 days to report a *forged* check from the date of the check being cashed. However, their policy, I've been told, states that checks that are *altered* are eligible to be refunded if reported up to a year from the day they were cashed. I requested that policy in writing and haven't been able to get it. I reported it the theft and alteration of the check around day XXXX. I have had multiple conversations with Chase. Their back office has ruled it was a forgery even though I have been telling them from the beginning the only thing changed on the check is the payee. It is not a forgery, but a stolen check that was altered -- washed and rewritten to someone I didn't intend.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (MA)

From XX/XX/year> to XX/XX/year> I was scammed almost {$10000.00} from a man purporting to be from XXXX XXXX XXXX. As a result after letting XXXX know they closed my account. I thought I had lost the whole {$10000.00}. In XXXX I saw that there was now {$1300.00} in my XXXX account. I contacted XXXX by email ( almost impossible to contact a human being at XXXX by phone and even then they have no authority to do anything or see my account ) to let them know I'd like my money. They emailed and told me to go online, and download their check request form and submit it by email. This I did and within XXXX weeks I received my {$1300.00}. In XXXX I noticed there was now {$3000.00} in my account. I again requested my money and was told by XXXX, Case ID XXXX, to submit the check request form again and I should receive my check in XXXX weeks. I never received it. I have submitted this form ( check request ) to XXXXXXXX XXXX times with no response except to say the account is closed. Every month I receive a statement of my closed account showing the money ( {$3000.00} ) to be in my account. It is extremely frustrating as no human interaction to resolve this and most emails appear to be robo generated. I'm XXXX and at my wits end to resolve this.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I was gathering financial information in order to prepare for a future home loan and received my XXXX credit report and score. 

Unfortunately, to my knowledge, I see a list of hard inquiries of who has viewed my consumer information. XXXX of them listed was a credit card account listed in my name without my knowledge or consent from American Express. 

The American Express address was listed as XXXX XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX with the number at XXXX on XX/XX/23 and XX/XX/23. 

I have never performed any business activity with American Express, nor have I ever lived nor visited XXXX XXXXXXXX XXXX 

I have only utilized a XXXX XXXX credit card through XXXX and a XXXX XXXX  account through XXXX  XXXX XXXX.
Consumer complaint received 2023-05-23
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

Entered into an account with Wayfair, their lender is Comenity Bank ( now d/b/a Bread Financial. This was approximately XXXX or so years ago. They consistently send the bill after the due date ( for example, I received this month 's bill yesterday XXXX but the due date is XX/XX/year>. Therefore, I have for the entirety of this loan incurred late fees. I have been trying to pay it off for some time now, but I can not because I keep receiving the bill after the due date, and more late fees. ( They are also assessing late fees on the entire balance at the loan 's inception, not on the balance due ). I spoke with their representative on the phone who said he can not waive late fees. They continue to report my being late to credit bureaus, which is affecting my ability to buy a house because of my credit score. I have a perfect repayment history, except for Wayfair/Comenity . I would like for Comenity to refund all late fees assessed during the entirety of this loan, and to report to the credit bureaus rescinding their reports of late payments. 

After reaching out to friends and on social media, I am not the only person that they do this to. If they refuse to resolve the issue responsibly, they are inviting a lawsuit.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of TransUnion on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required corrections : 1. Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Unauthorized Inquiry Company Name : XXXX Date of XXXX : XX/XX/XXXX 3. Unauthorized Inquiry Company Name : XXXX Date of XXXX : XX/XX/XXXX 4. Unauthorized Inquiry Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX 5. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX 6. Unauthorized Inquiry Company Name : XXXX Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WESTERN ALLIANCE BANCORPORATION (CT)

Opened savings account with Western Alliance Bank on XX/XX/year>. 
APY was to be 5.11 %. Today XX/XX/year> my funds are still pending in the account not posted. Their website today states 5.11 % but when you go to open account the APY is now 5.01 %. False advertising! 
My funds will now go down to 5.01 as of today and they are not even in the account yet. I deposited {$500.00} minimum but was going to add an additional {$100000.00}, but had to wait until XX/XX/year> to do that. 

The Deposit Account Agreement ( page 8 ) that I signed states that the account can be joint but when I opened it online you could only set up a beneficiary. They told me joint accounts don't start until end of year. Why is it in the agreement. Deceptive account opening agreement. 

I was not told I was going to be recorded, but the team member did tell me I was when I asked. True or False?
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

XX/XX/year> I sent XXXX XXXX a zelle payment for {$150.00} for a flooring project where he had sent me photos of floor he claimed to have purchased. This was done through XXXX XXXX  app using zelle. XXXX is not not responded and has appeared to have blocked me and maybe even closed his zelle account. This is fraud/scam/theft and Zelle and/or XXXX do not want to help support recovery. They are knowingly allowing fraudulent activity on their platforms with no protection for their customers. XXXX company is XXXX XXXX XXXX XXXX and is a registered company.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

To XXXX XXXX  you conducted an investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and since that time the Squatter from XXXX XXXX XXXX XXXX XXXX he cash two XXXX escrow account checks in my name and I reported as Forgery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing, BELOW, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  spoke 25 minutes she said we sent you a satisfactory of mortgage on XX/XX/XXXX and I am putting it in the system for you to pick up at any local branch. 

Please disclose
Consumer complaint received 2024-10-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO. (CA)

I had a CD at 4.88 % and when it matured I had a window to roll it over. After four trips to the bank I could not get an appointment. I called the agent 6 or 8 times he never answered his phone. I discovered that after 25 rings I could leave a message. I never got a call back. Last week I went in and was given the run around again so I got belligerent and informed them that after two weeks of effort they would see me or I would close all accounts with them. I finally got to see an agent who informed me that my account had rolled over to 2 %. I asked what the new interest should be and was told 4.4 %. So I agreed to move the money to 4.4 %. They Charged me {$880.00} dollars to do this. I was charged the interest that I did not earn as a penalty. This was an intentional blocking of my ability to rollover this CD until the window had closed. My question is do I have any options or can they just get away with this without recourse.