davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC (FL)

Sale date of home scheduled for XX/XX/2023. 
Home went into contract to purchaser on XX/XX/2023 Title company contacted lawyers office handling foreclosure who added " fee '' in excess of over {$60000.00} for " interest '' of various amounts for 5 years. 

Debt collection payoff document does not include principal balance, mortgage rate, daily interest, etc. 

Mortgage servicer, Selene Finance, never responded to request for payoff letter. 
Selene Finance is in multiple lawsuits currently with hundreds of people across the country for shady, misleading business practices; lost class action lawsuit several years ago for same reason. 

Debt collection 'lawyers ' office is being not only unethical but over charging fees in excess of what was submitted on foreclosure paperwork to the courts. 

I have never signed anything with Selene Finance, my mortgage was sold to them while under bankruptcy with terms ever sent to me. No communication for resolution of debt, advised unable to move with loss mitigation due to sale date pending.
Consumer complaint received 2023-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I am curranty in litigation with shellpoint mortgage servicing for the past 8 years. I have not changed my email, phone or address in 20 years. My XXXX XXXX XXXX parents, war hero father, was called by XXXX XXXX XXXX and a man name XXXX XXXX. He said he was trying to locate me as he was allowed to reach out to family members in order to find me. He was rude and verbally abusive to them. I called back this morning ( after seeing a missed call from yesterday ), and I spoke to XXXX XXXX and he explained that Shellpoint hired him to find me and he was a skip tracer. He then became rude and verbally abusive to me as well even tho I quickly explained that I had an attorney to protect me in this matter and all calls should be directed to him. I then called Shellpoint and was told that they never hired him to do this. Another lie. Shellpoint sent people to my house to leave notices and when I was outside for two of those occurrences, I asked the person who they were and they simply said - pay your mortgage, dirt bag. They denied that, too. It's just very curious to me that all these people show up on shellpoint 's behalf for absolutely no reason. They spend their own time calling me and coming to my house for free? STOP SHELLPOINT FROM ABUSING PEOPLE. DO YOUR JOBS!! If anything were to happen to my dad because of this, Shellpoint will be liable.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was involved in a love scam which I reported to the federal trade commission and the internet crime complaint center .gov website. I contacted the local police department who failed to do anything because this is an international crime. I disputed with the banks several times but they failed to do anything because I authorized the transaction because I was tricked into helping someone I thought who would help me in return if I helped them and was harrassed and blackmailed by threats to broadcast XXXX videos on XXXX as well as being tricked an manipulated. I lost over XXXX  dollars in funds since XXXX. No one has looked into or helped me with this case since when indeed this is stealing. The suspects name is unkown but his fake name is XXXX XXXX he made up or stolen from someone. The spoofed and untraceable email is XXXX. His XXXX  XXXX  user name on XXXX  XXXX  is $ XXXX XXXX XXXX account. His XXXX XXXX account spoofed or untraceable number is XXXX XXXX XXXX  The real suspect is unkown and possibly from XXXX XXXX XXXX XXXX which I communicated back this information through a scam haters united support page for suspected victims and preventing scams and blackmalers.
Consumer complaint received 2023-07-21
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. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc. (MD)

On XX/XX/XXXXXXXX  my card was stolen therefore I had to cancel it. I changed the payment with Zip as I owe installment payments on XXXX XXXX. Their app is defective. 

Zip has instructions regarding default payment and it does not work. It is not my fault because I am trying to make a payment and the system does not work. It is XX/XX/XXXX payment is not late either. I do not believe I should have to pay late payments due to an issue that is not my fault and I am trying to rectify it as I am trying to make a payment on the due date however ZIP system will not allow me. 

THEN I try to make a payment and the date of my new card expires XX/XX/XXXX I put it in the ZIP system. However, the ZIP system keeps changing the expiration date to XX/XX/XXXX which would not take my new card! 

This is a disappointment. I made screenshots to prove there is something wrong with the ZIP payment system, it needs to be corrected. 

Zip website states they accept Mastercard or Visa cards attached to a bank account my XXXX XXXX XXXX  is attached to a bank account now they want to charge me late charges for their own mistakes.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

To Whom It May Concern, Here is what happened on my account ending in XXXX. 

XX/XX/23 Received a call from XXXX XXXX  that there were charges against our checking account ( XXXX ). They said they wanted to let the charges go through and then deposit the money back. The caller said this way would be easier for the fraud case to be resolved. I thought that the conversation wasn't legit and told the caller this was a scam. I hung up the phone and called XXXX directly. I logged online and saw that there were withdrawals ( XXXX {$2200.00} ) being made from XXXX. ' Told XXXX of the situation. We immediately locked all cards and had new cards sent to us. They opened case # XXXX and said they would investigate. Reported fraud again on XX/XX/XXXX and was told that XXXX would investigate it. 

I called Fraud on XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each and every time I was told the money would be put back into the account that night. The funds were not put back into account. 

Didn't hear anything back from XXXX and didn't see any deposits for the fraud. Called XXXX XXXX on Friday XX/XX/XXXX and was told that the case has been closed since we authorized the confirmation that XXXX texted us. I looked through my texts and found the text that XXXX had sent. In the text I replied to it as 'NO '. But was told they see that I confirmed the transfer. I sent a copy of the text on that Friday XX/XX/XXXX, and also have an attachment with this text on this email. We didn't initiate the withdrawals nor did we confirm the text sent to us. This was submitted to XXXX. On XX/XX/23 we made another call to XXXX and again were told the case was closed due to the approval of the charges that they show. I spoke to a manager in fraud and had it re-opened yet again and submitted the info AGAIN. We don't know how this fraud took place, we had the card in our possession, have not made any reservations thru XXXX and notified XXXX Immediately of the fraud.
Consumer complaint received 2023-07-21
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: DISCOVER BANK (NV)

DISCOVER BANK Is illegally reporting on my credit report. 
Improper use of my report. 
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-20
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. (AZ)

Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( B ). ( 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I've been in contact with XXXX and I've informed them of these inaccurate inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They haven't done anything about it even though it goes against my rights as a consumer. I am requesting the immediate removal of these inaccurate inquiries on my credit report that's in violation of the law.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OH)

I opened a checking account on XX/XX/2023 with a promotion that would pay based upon direct deposit received in first few months of opening. I met the direct deposit requirement on XX/XX/2023 when I had {$1000.00} deposited of my paycheck but have not received the bonus as it stated I would. I contacted Wells Fargo on XX/XX/2023 and was told that they can speak to me about missing promotional money on my account and whether or not I should receive the payout and that I must go to a Wells Fargo branch. There is not a branch within XXXX miles of me and therefore they refuse to be able to speak to me about the problem on my account
Consumer complaint received 2023-07-20
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. (OH)

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.

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 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANS UNION XXXX LLC and its criminal executives such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX such as 18 U.S. Code 241, 18 U.S. Code 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Consumer complaint received 2023-01-02
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. (MD)

The XXXX XXXX Account is not mine. The account being reported is not my current or any historical account. I have attached a file for documentation and supporting evidence. This needs to be removed as it is causing unnecessary freezes on my credit. Thank you.
Consumer complaint received 2023-07-20
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. (FL)

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 USC1681. 
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 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 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 2023-07-20
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. (FL)

I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


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
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synovus Bank (NY)

This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). 

They operate under multiple names but continue to pass it from one to another but it's clearly the same debt. 

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. 

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the 2nd XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my account with Bank of America, which has been frozen since XX/XX/2023. Despite multiple attempts to contact Bank of America 's customer service, I have not received a satisfactory explanation for why my account was frozen, and I have been unable to access my funds or pay bills that are due. 

I have a bill pay feature on my mobile banking that I have been utilizing for over a year because my auto lenders offices are about 100 miles away. Because of this inconvenience, once I get this rectified, I am going to have to travel 100 miles every month just to pay off this bill because pretty soon they are going to stop me from having the option to do bill pay because theyve been trying to take money out of this account and have been unsuccessful. m I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you need any further information.
Consumer complaint received 2023-05-12
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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX 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 XXXX 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 2023-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I received a promo mail from Truist. The piece of mail invites me to create a checking account with them and get {$400.00} if I qualify. The offer is for someone who received direct communication from Truist ( for me via mail ), someone who has never had a Truist account ( I never did ), open an account between XX/XX/XXXX through XX/XX/XXXX, and to set up a direct deposit totaling {$1000.00} within 90 days of opening account. I did all of those and added the promo code to my account. I opened an account on XX/XX/XXXX, set up direct deposits through my employer ( XXXX direct deposits of {$500.00} each during month of XXXX ). I called Truist on XX/XX/XXXX to see if I met the requirements. The rep said yes and I will get {$400.00} bonus in XXXX weeks. On XX/XX/XXXX, I received an email saying I did not earn the bonus as I didnt meet requirements for offer. I was confused because the promo mail ( attached ) clearly states in 3 steps what I need to do and the fine print highlights the offer eligibility. Very misleading. Plus no explanations of how I didnt meet the requirements. I told my husband before all of this that we might make Truist our joint checking account. But after this deceitful promotion. Im not recommending Truist to anyone I know and Im closing my account as soon as my last direct deposit hits. My first experience with Truist was terrible.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

STOP EQUIFAX FROM RUINING MY LIFE! 

Yesterday ( XXXX XXXX ), I received an email from Equifax that my address had been changed. Currently, my Equifax account is " frozen '' due to recent identity theft but since the change was merely from " XXXX XXXX '' to XXXX XXXX XXXX '' I assumed that this was to comply with the USPS and was insignificant. 

Today ( XX/XX/2023 ), I received another email from Equifax stating that my address had been changed again. Today, my address was changed to an old address ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NC XXXX XXXX where I had not lived for 3 years. During that 3 year period, I had obtained mortgages and therefore my Equifax record was appropriately updated with my correct address. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

WHY DOES EQUIFAX CHANGE MY PERSONAL INFORMATION WITHOUT ANY VERIFICATION WITH ME? EQUIFAX HAD MY CORRECT ADDRESS WHICH MATCHES WITH ALL OF MY OTHER FINANCIAL RECORDS. 

I signed onto my Equifax account however I am currently " blocked '' from disputing this change of address! The Equifax phone system is impossible to use and I can not even reach a person to speak to about this issue. My past experience has been that if you are able to reach a representative, they are not in the U.S., speak poor English and are of no assistance. 

I AM FURIOUS. 

Three years ago, Equifax did a similar thing. My date of birth was suddenly changed on my Equifax record, making me more than XXXX XXXX XXXX! I did not make that change - Equifax did this and without any verification. I then had to spend numerous hours and provide complete documentation, including copies of my birth certificate and passport, that prove that I was not born 90 years ago. 

HOW AM I SUPPORT TO ADDRESS THIS CURRENT PROBLEM WHEN I CAN NOT EVEN DISPUTE THE ISSUE? 

Furthermore, when is CFPB going to actually do something to correct this ongoing abuse of consumers by Equifax and the other two credit reporting agencies?