davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

" Borrower '' communicated to " Shellpoint '' in a XX/XX/XXXX, " CFPB '' complaint, ... if you look back at the data you will see the skipped payments you mentioned were made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. A review of the attached spreadsheet will show, under Insurance Premium Disbursements, duplicate PMI payments made on XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX payment installments. 

" Shellpoint '' never responded or corrected the PMI payments on " Account. ''
Consumer complaint received 2022-05-26
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Goal Structured Solutions, LLC (LA)

XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.
Consumer complaint received 2015-12-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc (NM)

I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment. 

I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency. 

As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital. 

This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX 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 2022-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was facing difficulties with XXXX XXXX, Specialized loan Services my mortgagor put me on a forbearance plan. While on their approved plan in XXXX of XXXX they charge me a late payment processing fee. 
On XX/XX/XXXX I was told the plan was ending on XX/XX/XXXX. 
I managed to pay back in full all the amount due in XX/XX/XXXX. 
In XX/XX/XXXX they charge me another late fee again for late payment while still on the forbearance plan and while I paid in full the amount past due in the statement I received from them in XX/XX/XXXX. 
Now they took the full payment I made. They take some money from it to pay advance principal payment and the following month I still get a bill not showing XXXX balance due.. that is the game they played til now. 
To make things worst now they say I owed total '' XXXX for 2 fees for being late on XX/XX/XXXX and another late on XX/XX/XXXX while since XXXX I repay back full payment showed on the statement I received from them.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CT)

XXXX sent an amount of {$140.00} to Wells Fargo as part of a fraud claim in amount of {$690.00} on XX/XX/22, check number XXXX, check was not cashed and supposedly rejected back according to XXXX XXXX, rep with Wells Fargo. I explained this information to XXXX rep, XXXX whom advised instructions received from Wells Fargo state to send remaining funds in XXXX accounts to Wells Fargo... I then attempted to reach back out to XXXX, several messages left, none returned, complaints filed in re and unresolved.. The reason to speak with him is to advise what XXXX rep stated and to provide his contact info to reach out. To date, I have been unable to reach XXXX or a manager on XXXX side to resolve issue of missing funds, the amount of {$140.00}. XXXX can be reached at XXXX should Wells Fargo rep have questions.
Consumer complaint received 2018-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

XX/XX/2018 - I tried to log into my account at XXXX / Goldman Sachs Bank USA, and was given a screen with new types of agreements that I had to digitally sign. The company would not allow me to get into my account until I signed all of these agreements. One of the agreements they required me to sign was an Authorization to monitor my credit reports whenever they wanted to. There was no way for me to agree to other agreements that make sense ( Privacy agreement, ACH authorization, etc. ) without agreeing to allow them to monitor my credit at any time. I view this as an Unfair, Deceptive or Abusive Act or Practice under Dodd Frank. A company should not condition my access to my online account on signing an authorization to monitor my credit at any time. I would like XXXX / Goldman Sachs Bank USA to discontinue this deceptive practice as soon as possible.
Consumer complaint received 2022-05-25
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. (PA)

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

To whom it may concern : I am writing to inform you that I requested a chargeback from Trusit Bank, from a XXXX XXXX. For a XXXX XXXX  by the name of XXXX, it's a SCAM!! The merchant inaccurately described the merchandise or services, either in a written description or in a verbal agreement. The merchant advertises on XXXX as if they are selling you a XXXX XXXX bot, when in fact they are selling you a XXXX XXXX program. This XXXX XXXX is a scam. They are false advertising!! I was under the impression that I was buying a XXXX, when in fact I paid for a program that teaches you how to use a XXXX on a system that is not their Own! They never not once disclose that they were only a training program. I would not have purchased this program had I know this in the very beginning. This XXXX XXXX is not transparent at all, he is a marking scam artist. I want this {$1400.00} Robot I paid for or my money back!!! SCAM!!!! Obviously, theres a problem that needs to be addressed if this merchant is regularly providing merchandise or services that dont match the description. They advertise very strategically to lure you in to get your money. Then they make it very difficult for you to get your money back. I sent an email to them, requesting a refund. No refund was given. There refund policy is shady as well, with a hidden clause. They make everything sound so good. 30 days money back guaranteed, but you must prove that you could not use the system. Just one big advertainment scam!! Before they allow you to access any information on the platform, you have to sign an NDA agreement. Once you sign that agreement no refund, but there is know way for you to know what you purchased unless you sign the NDA. that's how they trap you and make receiving a refund impossible. Upon access to this information, I immediately realized I was Scammed!!! They do disclose that you will have to pay some additional money for software updates, but that additional money is actually for robots on another platform that they are affiliate marketers for. This program is nothing at all like advertise. They make you sign this sketchy contract with so many loopholes, but you don't realize what you have gotten yourself into until the damage is done. I want my money back!!! This whole program is a scam and very misleading!!
Consumer complaint received 2022-05-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CXXXX XXXX XXXX XXXX Bank of america - XXXX Bank of america XXXX XXXX
Consumer complaint received 2022-05-25
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. (FL)

1. In accordance with the Fair Credit Reporting act, XXXX  account # XXXX, XXXX # XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX  has violated my rights . 

2. 15 U.S.C 1681 section 602 A, states that I have the right to privacy.

3. 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

Cash app does NOT provide any support to its platform users and allows scams to happen even after they are reported. They do not help protect against fraud and only leave it up to the person who committed the fraud to issue refunds. They were contacted several times between XX/XX/XXXX through the XXXX and would not provide support about this issue and just deny you support and hand up on you. This is serious unfair trade practices and must be stopped. Cash App puts you with an advocate who just tells you its your own fault and that they cant help its platform users.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

XXXX and XXXX XXXX XXXX collector First Federal Credit Control. 
Reply : If XXXX XXXX would provide proof of coverage for the XX/XX/17 date of service the creditor would accept that and we would remove the account. The account remains disputed. 

Attached HealthCare.gov coverage for the times specified. 
XXXX directly sent Proof of Coverage as requested by First Federal Credit Control and XXXX
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-05-25
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. (FL)

In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Total XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-05-25
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. (NJ)

I have recently broiught my credit report and have seen that there is a fraudulently credit card on my credit report and a loan that was taken out. which is XXXX XXXX and XXXX XXXX I'm not sure who did this was i have realize this a major problems and this needs to be handled immediatley.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
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. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX Account Number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MI)

On Saturday, XX/XX/XXXX, as I was leaving to take my daughter to XXXX, GM Financial repossessed my car. I was unaware my automated payments were discontinued, which caused a default. While the vehicle was on the tow, I spoke with two different GM Financial representatives, explaining that I did not know payments were discontinued and that I would be happy to pay the delinquency in full, as well as any out of pocket costs GM Financial incurred. GM Financial indicated they did not have a process for that and took the vehicle. GM Financial did not have a current phone number for me and did not mail me any notices to the XXXX XXXX address on file because, as they explained, I elected to receive paperless statements. I receive monthly emails from GM Financial indicating that " my statement is ready for viewing. '' I do not click on the view link. The emails over the last 90 days were the same as I have received over the last 2.5 years. I also would not notice GM Financial 's cessation of withdrawals from my checking account because the monthly payment is extremely low and not something I monitor. GM Financial did not contact GM proper for my current contact information, who has my current contact information as I service my vehicle with GM and have been in recent discussions with GM for new leases for my family this spring. I have also been in for service within the last 90 days. GM Financial also did not XXXX  my name, the 1st search result of which would have been the direct dial to my desk. I spoke with three GM Financial representatives on Saturday none of which would tell me why my automated payments were discontinued. I talked to my XXXX year mother last night because the GM Financial representative indicated they called her. My mother said she received daily calls from XXXX, according to the caller ID. My only concern is the reporting of a delinquency on my credit report. I don't care to waste time pointing fingers. According to the website, the past due balance is {$1100.00} ( 94 days ). I will not be permitted to pay until XXXX Monday. Please assist.
Consumer complaint received 2019-10-17
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. (NJ)

The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (AZ)

I have checked my credit report and decided to write cfpb because this has been hurting me for awhile. i would like you guys to see how inaccurate experian is reporting about these accounts. I reached out to them but no response. They are on my report so they must be 100 % accurate. if they are not please delete them and notify me so i can move on with my life. Thank you.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/ I attempted to send {$200.00} to my granddaughter via CashApp. Her account is part of a family account due to her age, and her mother is the owner of the family account. Because of this type of account, my granddaughter is only allowed to receive a certain amount of funds each month. At the time We were unaware until AFTER I attempted to send the funds that shed already received the maximum amount for that month, and that caused an automatic rejection of the funds, by CashApp and an automatic refund which meant the funds should have gone directly back into my account. They did not! My daughter, my granddaughter and myself have all reached out to CashApp to get this resolved so that I could get my money back, numerous times and have not been successful with getting a resolution.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

I payed for service to XXXX XXXX XXXX for catalytic converter replacement, o2 sensor replacement, an oil change and labor. I received the the catalytic convert part but no service including install or any other parts. I have tried to get the service for over a year with no avail.