davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (GA)

Selene Finance is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like Selene and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was 18 months long. 

Selene, claims I am 40 months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this XXXX XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed Selene also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that XXXX granted and then Selene turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after 24+ hrs. I have been informed by CFPB that the modification that XXXX gave me, that Selene must honor, just like Selene must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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 USC1618 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXXAccount name # 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 602 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crime which antedates the report by more then seven year.

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 2021-08-29
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. (NJ)

Please, I have been victim of identity fraud in the past, I want this company XXXX  CARD to provide all information about this account, also the signatures when this account was open plus the dates.For the moment delete this account from my credit report ...
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I recently attempted to contact Wells Fargo to inquire about the settlement concerning wrongful practices for mortgage customers. My house was foreclosed in 2012 after my monthly payment increased 30 % and Wells Fargo refused my attempts to refinace or negotiate a loan modification for a path for me to keep my house. After Wells Fargo and other banks received billions in Federal bailout money, they put the squeeze on me and took my house when I was most vulnerable. I had owned the house for over 10 years and in a matter of months it was sold-off for {$30000.00} below fair market value. They just cleared it from there books, another statistic of the Great Financial Crisis. Although Wells Fargo never lost a penny on my mortgage and received many punctual payments and fees from me, the foreclosure stayed on my credit report for years. Even now that the Consumer Financial Protection Bureau has given Wells Fargo an opportunity to make their previous unsatisfied clients " whole '' with a multi-billion dollar settlement I have not received any money or a response from them. The silence is deafening. The article i read said Wells Fargo was " required '' to notify customers and provide " swift '' payment. My mortgage debacle is a case study in the breaking of federal consumer protection laws. Do the right thing Wells Fargo. Sincerely, Lost Decade
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

XXXX XXXX  Fire Department XXXX XXXX XXXX XXXX XXXX sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. They stated that that they called my cell phone but never left me a voice message ... .therefore I never knew that there was an outstanding bill. 

I NEVER received a phone call message OR bill via Americollect either. 

The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. 

I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) Americollect told me that there was nothing they could do re : my credit report. 

How can pay a bill when I never received it?? 

Apparently, the billing department had my address listed in XXXX WI and not in XXXX, WI.
Consumer complaint received 2021-02-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

The signed legal document for this loan, section 3D, discusses a " Modified Maturity Date on which this note will be paid after accounting for acceleration of the payment schedule resulting from biweekly payments rather than the monthly payment schedule used to calculate the Maturity Date described in section 3A above. '' The maturity date stated in Section 3A is " XX/XX/XXXX. '' FEDERAL TRUTH IN LENDING DISCLOSURE REQUIRED BY REGULATION Z " Your payment schedule will be. '' XXXX biweekly payments beginning on XXXX and ending on XXXX. 

We have made XXXX biweekly payments to the end of XXXX. We have set up an Escrow account at XXXX to receive and hold our automatic biweekly payments, as Wells Fargo could not set up an account for this purpose. We will gladly pay amounts that we owe to Wells Fargo when they show us the legitimate balance of our account. We have never missed a payment and to my knowledge we have not been late either, all automatic payments. 

We need a clear and complete amortization schedule to understand the " Modified Maturity Date '' as described in section 3D of my signed loan papers.

We have made repeated requests for a clear and complete loan amortization schedule, four requests beginning in XXXX of XXXX. I do not have a clear copy of the amortization schedule as of this writing. A clear and complete amortization schedule will allow me to discuss my loan history and discover why the truth in lending promises have not been met.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I purchased a television from Walmart.com on XXXX XXXX for {$4600.00}, using PayPal Credit. 
Since the product was not delivered on time even after 20 days and as there was no communication from Walmart.com and the Seller XXXXXXXX XXXX  about delays and new updated delivery date, I cancelled the order. 
The seller agreed to refund me {$4300.00} keeping shipping expenses and thus Walmart.com refunded {$4300.00} on XX/XX/XXXX, to my PayPal Credit account ( Transaction ID : XXXX, screenshot attached ). 
I also thus never received the Television. 
I also promptly paid the balance of {$350.00} to my PayPal Credit account on XXXX XXXX, expecting a {$0.00} balance on my PayPal Credit account due to this transaction. 

I had also filed a dispute with PayPal Credit that the seller was wrong to deduct {$350.00} since they did not deliver the product when they promised even after many days ( more than 2 weeks ) and not communicated to me about the delivery new date. 

But for some reason, PayPal Credit returned the entire refunded amount of {$4300.00} to WALMART.COM and charged Re charged my account for the full {$4600.00}. 

I also made a balance payment of {$43.00} on XX/XX/XXXX for the XXXX XXXX on my account. 

I have called PayPal Credit multiple times and their Customer Service representative noted the whole scenario and filed a dispute for me but no action has been taken by them. 

So now I am in a situation, where I dont have the Product and I have a Current balance on my PayPal Credit account. 

I have attached my original purchase and the refund transaction screenshot to my PayPal Credit account. 

Thanks Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I am writing to remove the inquiries listed below and to request verifiable proof bearing my signature or electronic authorization. I never authorized these actions, which constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 604. These inquiries were initiated without my consent or proof from the reporting companies, and thus, they are not factual. The FCRA mandates that credit bureaus remove such unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (WA)

We spoke to PenFed employees prior to and during the HELOC mortgage process and were promised that the initial loan amount we were taking out would be locked at our 4 % rate with any future loans to be at prime + .5 %. We ONLY went through with the loan process after being assured that the loan we were taking out was not at the variable rate. We had no intention of future loans, so this product worked for our needs.

PenFed is supposed to record calls, and we had multiple calls on this subject with them.

After several months of the 4 % rate, PENFED changed the rate on that initial loan to variable, which is currently 8 % + .5 %. I have contacted every person we worked with, but they will not response. Those people are XXXX XXXX, Mortgage Loan Processor, XXXX XXXX and XXXX XXXX. 
I spoke with a random member of the staff one week ago and was promised a call back, and havent had any contact. 
I believe that they have acted in bad faith with predatory business practices.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

I received an email from Chase inviting me to upgrade from the explorer card to the quest card. 
The offer included a XXXX mile bonus after {$4000.00} was spent in the first 3 months. 
The offer clearly states this card product is available to you if you do not have this card and have not received a new card member bonus for this card in the past 24 months. 
I upgraded my card based on this offer. Once again, this offer was sent to me. I didnt request it. 
After the 3 month period and spending far in excess of the {$4000.00} I called customer service to inquire about the bonus miles that has not been added to my account. The representative informed me that because it was an upgrade and not a new application, I was not eligible for the bonus. I then requested to be transferred to a supervisor. The supervisor heard my complaint and agreed that I had a valid issue with the offer. She then assured me that I would receive an email within several days addressing the issue. 
Having not received an email, I once again reached out to customer service. This time I spoke with a gentleman who described himself as the most senior person that I could speak with. In spite of him agreeing that I was clearly qualified for the bonus based on the details in the offer I had received, I was not eligible because of the upgrade as opposed to applying for the card. 
I am sure that every other Chase explorer card holder who received the upgrade offer has been denied the bonus miles. 
The supervisor also stated that there was no one in a more superior position that I could address my concerns to. 
I am bringing this complaint to you because of the blatant and misleading advertising enticing the consumer to upgrade to a much more expensive card.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

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.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (GA)

Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... equifax and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (CA)

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX XXXX Owed : {$58.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.