davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NY)

Regarding fraudulent practices of Selene Finance LP company Multiple fraudulent transactions have been taken place starting from XX/XX/XXXX. Upon inquiries and endless investigations, multiple entities claim mortgage rights to the property at the same time. 

Please see background history below : Primary and secondary mortgage was obtained on a one bedroom apartment in XX/XX/XXXX from XXXX XXXX. All payments were sent to XXXX in a timely fashion every month. On XX/XX/XXXX, XXXX has refunded a payment of {$1500.00} for a primary mortgage while accepting a monthly payment of {$200.00} on a secondary mortgage. 
Subsequently, an unknown company, XXXX, has initiated their demands for a payment of over {$20000.00} on the account stating that they are legally authorized to do so. 
XXXX has failed to provide : *promissory note *security deed *registered assignment Upon contacting XXXX County Registry Office , no documents were filed by XXXX certifying the requirement for all transactions to be recorded. 

Shortly thereafter, an unknown company, Selene Finance LP, has initiated their demands for a payment of over {$30000.00} on the account, also stating they are legally authorized to do so. 

Selene Finance LP has also failed to provide : *promissory note *security deed *registered assignment Further research showed that Selene Finance LP is not listed on the registered assignment with XXXX County property registry . 

Further research showed that XXXX and Selene Finance LP have involved in multiple class action lawsuits, CFPB investigation and debt collection fraud cases. 

Please investigate. 


PS : upon recent search history of XXXX County, XXXX NY registry on the property, Selene Finance LP is not a registered party and has no right to collect the debt.
Consumer complaint received 2017-10-20
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: Midwest Recovery Systems (IL)

On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a checking account with a XXXX XXXX XXXX XXXX Bank : XXXX and I perform all my on-line bill pays EFTs through them. I have attempted to pay Capital One Bank XXXX XXXX XXXX months in a row. they send the payments back and charge me a late fee penalties in order to collect. I have never been late with this account ever. Bad banking practices. I now consider the account lost and stolen and they can go to court to collect the principle. I do n't understand turning down perfectly good money payments and do n't know what their problem is. My home bank at XXXX has the attempts to pay on record and can willingly submit them as evidence.
Consumer complaint received 2017-02-15
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (GA)

My XXXX answer a phone call and they asked for my name and he asked who was calling, they stated MCM and he asked what is was and they said midland he asked whole company name and they just said midland again he asked if there was some kind of debt and the person on the phone responded with YES
Consumer complaint received 2017-10-20
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. (MA)

Equifax 's website was breached. They provided a way to see if my information was compromised. It turns out that it was, but Equifax provided no follow up details about what to do about this. This is still the case. They have been hacked again after this first incident, and have still done nothing to help the consumers know what exactly happened. All of this is bad business, and they clearly do not care about the consumers who have been impacted.
Consumer complaint received 2017-10-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Green Trust Cash, LLC (AL)

I tried to work with green trust cash on a balance owed by stating I could pay less. After I stated this and revoked all ACH authorization green trust cash then stated that they would take my money out anyways and they would have me arrested. This was the conversation over the phone on XX/XX/XXXX. Today XX/XX/XXXX I emailed green trust again asking for a reduced amount of payments and they  responded with a copy of the contract showing interest of 700 % which is illegal in the state of Alabama. By good faith i was going to pay this back but now they have threatened jail time to me and stating I will have to pay more than I borrowed cause it will charge me each day. I am afraid this company is going to get into my account without my permission.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I deposited a check ( check XXXX ) for {$600.00} into my Citibank checking account. As per policy I was allowed to take {$100.00} out on that day. ( I am allowed {$100.00} the day of the deposit, {$200.00} the next day, and the rest on the third day when I deposit a check ). I was surprised on the second day when, expecting {$200.00} to have been released, I went to the grocery store and my card was " not authorized. '' I went online to check my account balance only the area that usually has my account summary was completely blank with no information. I called up Citibank to find out what the problem was and was told that my account had been blocked for ten days because the bank of the writer of the check, XXXX XXXX, had given Citibank a courtesy call to tell them that this check would " possibly '' be returned. I called the person who wrote the check who assured me that the check had been paid and the money taken from his account. I called Citibank again ( Loss Prevention ) and spoke with a very helpful woman who spent some time trying to contact XXXX XXXX to discuss the matter, but she was n't able to reach anyone at the bank. Since then the check writer has contacted his bank, which assured him that the check was paid on the XXXX, the day after I deposited it. I have also viewed the check writer 's online ledger, which shows clearly that the check was paid and the money taken out of his account on the XXXX. My next step tomorrow is to call Citibank again, giving them the name and number of the person to contact at XXXX XXXX. Hopefully, this will solve the problem. But what I do not understand is why, when a check has been deposited and paid, is my account blocked for ten days, including access to my account information online. Even if the check had bounced, which it evidently has not, I could have simply deposited the money to cover the amount that I withdrew. It does n't seem to me that cutting off access to my account information was appropriate in this case. I did not do anything wrong and the problem they thought might possibly be a problem did not even occur. Why am I being punished by the bank?
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vengroff Williams, Inc (NY)

The issue id from a year ago and the company is trying to bill me for charges that are not valid I was quote one price over the phone and when I return the car they bill me for a higher amount in which I did not agree to. They also bill me for charges for gas in which I fill the tank according to what was stated in the agreement. I then spoke to a manger and they stated they were going to take off the charges. Now on X/XX/17 I receive a notice from a debt collection agency stating that I owe a balance of XXXX
Consumer complaint received 2017-10-20
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. (MD)

On XXXX/XXXX/XXXX I submitted an initial dispute to TransUnion requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00XXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MD)

A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act has Capital One has violated my rights. 
15 U.S.C. 1681 section 602 A states I have the right to privacy.

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

15 U.S.C. 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer plan late for any purpose
Consumer complaint received 2017-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

XXXX/XXXX/XXXX Loan # XXXX XXXX XXXX : ( approved ) Loan # XXXX XXXX XXXX : ( denied ) To Lending Club lending team : I am filing a written a compliant with Consumer Finance Bureau ( CFPB ) about your deceptive marketing and lending procedures. In the meantime, perhaps you should explain to me as to why the Lending Club awarded a loan to me in XXXX which I have paid off after making ten payments. For past several months you 've aggressively used your marketing approach toward me and defined me as a well qualified borrower and you wanted to do more business with me. Essentially you made me to apply for another loan at this point in time and than I was told by Lending Club that I now do not qualify! 
There are visible discrepancies in your criteria for lending that is disturbing. Whatever, my financial ability and credit score is today it is most definitely higher than when you used it to award me the first loan in XXXX. 
Did you just give a loan to unqualified borrower so, you the Lending Club could make his 6 % fee? Let 's find out? 
Additionally, your deceptive emails say that going through applying for another loan would not affect the borrower 's credit. I sure hope that it did not affect mine! Or that 's another untruth statement from your company that add fuel to the fire. 
As matter of courtesy, I will allow you 2 working days for your compliance people to investigate this issue and respond to me in writing with your reasonings. Also return my personal documents before I contact CFPB. By the way, I am determined to get to the bottom of this matter even if I have to retain a legal council. 

Please do not send me standard artificial apology letter for all the inconvenience that you have caused me. That wo n't work! 

XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2017-10-19
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. (FL)

XXXX does not have my loan it was given to another company by XXXX XXXX it 's with XXXX XXXX XXXX. XXXX is still reporting against for XXXX they absolutely refuse to stop reporting to XXXX against me even though I have a settlement with XXXX XXXX XXXX for XXXX. All I want is the right company reporting against me and for the right amount!!!!!!!!!. What I want is very simple and very easy to do. XXXX even mentions in a document that my account was given away to the other XXXX have disputed this multiple times and gotten no where with anyone even though I have the proof of it.
Consumer complaint received 2017-10-20
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: EQUIFAX, INC. (MD)

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX NA - 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/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Consumer complaint received 2017-10-20
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. (MD)

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX CO - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX CXXXX 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. PXXXX  XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. RENTAL PROPERTY XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Consumer complaint received 2017-07-05
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. (ND)

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2017-10-20
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. (CO)

I am one of the Equifax victims. I do n't know when my report was breached, but they report it was. So, now I 'm stuck with my identity being out there.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hello, They were some unauthorized transactions on my account which I called to inform Chase, some of these transactions where still pending when I called XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$650.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$10000.00} USPS XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XX/XX/XXXX - {$20.00} XXXX XXXX XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$30.00} XXXXXX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX Chase told me they were going to investigate the case and refunded this transactions and not the remaining transactions. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX XX/XX/XXXX - {$900.00} XXXX XXXX # XXXX XX/XX/XXXX - {$490.00} XXXX XXXX # XXXX XX/XX/XXXX - {$410.00} XXXX XXXX # XXXX I was told the reason that they werent refunding the other transactions was that the fraudster/scammer used my chip and got my pin correctly while I still had my card when I discovered the transactions. I asked the claims department to reopen my case as the investigation conclusion was incorrect but they refused which I asked them to connect me with the Executive Office so the case can be reopened as they didnt want to provide my funds. I spoke a lady from the executive office named XXXX and she guaranteed the case would be reopened and would try to make sure I get my funds back into my account ASAP while stating she would provide regular update as she get more information from their investigation. Ive gotten two updates but just stating the same reason the claim department said and still said the case is being investigated. 
All of the sudden, the reversal for one of the unauthorized transaction was being reversed leaving my account in the negative/overdrawn. 

XX/XX/XXXX - {$790.00} XXXX XXXX # XXXX I was also told the same reason as the first claim specialist about my chip been used and the scammer/fraudsters using my pin correctly which seems odd to me because thats not what XXXX told me and also because some of the transactions are been refunded and seems like mostly the USPS transaction doesnt want to be refunded. They are also transactions from XXXX, XXXX, XXXX & XXXX XXXX that needs to be refunded or handed correctly. I deserve an explanation to know how Chase could let this happen, and deserve some compensation for Chase letting my account to be overdrawn and not letting me access my funds when I needed it. Also if I keep banking with Chase, how am I sure this situation would not happen again, as they need to put a procedure in place to help prevent future situations like this and better protect their customers.
Consumer complaint received 2017-10-20
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. (NY)

I was victim of identity fraud/theft. Someone opened up a XXXX credit card in my name. I contacted Transunion in XX/XX/XXXX, submit all the paperwork, contacted XXXX XXXX and submit all the paperwork with. It was confirmed to be fraud and was supposed to be removed from my account. 90 day fraud alert fell off my account, we were in the middle of moving across country/XXXX XXXX XXXX military/ needing to have credit checked to get a new apartment. 
Just found out my identity was stolen again to purchase something from XXXX so I contacted the Credit unions to put a freeze on my accounts. In doing so, I received a report from Transunion showing my credit report. It is still listing XXXX on my account - and this is about 6 months after the confirmed fraud. I attempted to call to dispute as I was not able to do it online and the person I spoke with was not only a bit difficult to understand and rude, I was not sure my problem was resolved after the call. 

Please help victims of identity theft. These agencies are just terrible to work with and we 're helpless!