davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (FL)

Consumer Financial Protection Bureau Complaint Subject : Complaint Regarding Predatory Loan Servicing Practices by Selene Finance and XXXX XXXX XXXXXXXX Details : I am filing a complaint against both Selene Finance and XXXX XXXX XXXXXXXX due to predatory loan servicing practices that have caused significant financial and mental harm. Over the past few years, I have experienced serious issues related to my mortgage loan, including forced modifications and forbearance agreements without my consent. 

Despite my numerous attempts to seek correspondence, both institutions denied my requests and failed to provide proper notification or clear explanations. I was repeatedly told that certain actions were " industry standard, '' yet no instructions were given for me to understand my situation. I was even threatened with legal action if I attempted to make early payments, which added further confusion and stress. 

Furthermore, I was informed that my loan policy required additional insurance and was placed on their coverage without my consent, even though I already have coverage through XXXX. This unnecessary imposition of insurance has contributed to further financial strain. Additionally, a decision was made to defer my balance, and while I was told it could not be reversed, I was not informed that this option was available to me under my loan terms. 

From XXXX to XXXX, I reached out to Selene Finance, XXXX XXXX XXXXXXXX, and XXXX  for assistance, but I was repeatedly denied any clear guidance. This lack of transparency and cooperation has caused financial damage and mental distress during a period that was already challenging due to the COVID-19 pandemic and my military service. 

I am requesting an investigation into these predatory loan practices and resolution of the following : Full disclosure of any loan modifications or forbearance agreements applied without my consent. 
Correction of any improper account status, such as forbearance or default. 
Reversal of deferred balances as allowed by my loan policy. 
An explanation and cessation of threats regarding early payments. 
Clarification on the unnecessary insurance charges and refund of any improper fees. 
I believe these practices violate consumer protection laws and expect swift action to rectify these issues.
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (OH)

I have never done business with ABILITY RECOVERY SERVICES , LLC XXXX XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice no paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2024-10-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

Dell sold its Dell XXXX  Account to Comenity Capital Bank on XX/XX/XXXX. I have had extreme difficulty managing my account since then. I have had my address questioned and I have also received {$290.00} in late fees that I would like removed completely ; so far only some of them have been removed. My last request to waive the late fess was on XX/XX/XXXX with XXXX who is a Supervisor. Prior to this conversion I was on auto payment and had no issues with Dell Financial. Many customers have unresolved complaints on Dell 's site that can be found here : https : XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiry : XXXX XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Earnest Inc. (MD)

I do not have the exact dates. I called them several times since XXXX. I called them shortly after I lost my job letting them know and asked if my loans can go into deferment and they said no because they don't have {$0.00} payment options. I continued to make payments, hoping I would soon get a job. Once my unemployment ran out, I called them again and told them that I just can not afford the payments and they said there was nothing they could do. I have been consistently paying them with no issues until now. I took my account off autopay because my monthly payments were over {$300.00}. I am on XXXX. I'm trying to keep a roof over my head. When I started missing payments, they called and I told them the exact same thing and their only response was " well, how are you paying your bills? '' They had no compassion or sympathy about my situation as if I WANT to not pay back my loans. I'm already in the ground and they are trying to add to my burden and kick me while I'm already down. I do NOT have a job. I'm on nobody 's W2 or 1099. Now they are threatening me to take me to court. I called them today ( XX/XX/year> ). I explained to them again that I have not worked since XXXX. I am trying to keep a roof over my head and not end up homeless. I told them unless they can make my payments under {$100.00} a month, I still can not afford the payments. They said my payments would be around {$250.00} and I told them I just can not afford that. I was told if I don't make a payment next month, they would take me to court and they would make a note in their system explaining the situation. I told her if I had a job, I would gladly pay but I just can not afford to right now.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX  late payment : XXXXXXXX XXXX XXXX XXXX  inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXXXXXX XXXX  Employers : XXXX  XXXX XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX  XXXX XXXX  Employers : XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> {$1900.00} Late Payment : XXXX XXXXXXXX  Inquiry XXXX XX/XX/year> Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/year> Current Address ( es ) :  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NY)

I requested additional time, I am working with a company to do the short sale but there is an auction date coming and I dont know what else to do or who to turn to. I am XXXX XXXX XXXX, have no family or friends left and this company is helping me relocate. the other company I was dealing with had a hard time finding all XXXX mortgages. Please I just need a little more time so I can get this done and they will help me with finding a place to live and move all my stuff. My auction date is XX/XX/year>.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I have an American Express Blue Cash Everyday credit card. The card made me an online offer to refer a friend and receive a {$170.00} bonus if the friend activated their new AmEx card, and spent enough money on it. 

On XX/XX/scrub>, 2024 I referred a friend, through AmEx ' proper links.

I know for a fact that not only did my friend accept the referral, apply for a card, was approved, but that she spent enough money on her new AmEx card to receive her own new-card bonus.

I was supposed to receive my {$170.00} bonus up to 12 weeks after my friend took all the necessary to complete her application. I am yet to see the money.

Since AmEx makes it so difficult, cumbersome, and time-consuming to contact, I am going straight to a complaint.

And, AmEx- if you read this complaint please know that I can gather all the evidence from my friend regarding proof that you do owe me my referral bonus. Please pay up.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Re : Request for Debt Validation Account XXXX Dear JEFFERSON CAPITAL SYST I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g , and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 

In accordance with 15 USC 1681b ( e ), I request the following : The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature. 

Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 

Proof of proper reporting : Evidence that you are legally able to collect this debt. 

Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 

If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 

Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  CARD XXXX XXXX  XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (FL)

Selene finance has modified my original agreement without my knowledge or consent. 

Therefore, I state that my original agreement could have been returned to its original state before covid pandemic. 

With that, I did not have to be coerced into signing a forbearance agreement. 

Proper guidance was not provided via subject matter experts of the financial industry. 

I have forwarded this dilemma to my chain of command and base XXXX legal XXXX. 

I have complied to all available instructions given, along with my own due diligent research. 

Before my forbearance I requested alternative methods during the covid pandemic. I was given two options : forbearance or deferment. 

Once Selene finance received my mortgage, I requested for my mortgage to be restructured in a way that I would not face financial hardship. 

Without my consent, my mortgage was changed, leaving me to believe that both institutions wanted me to suffer during and post covid. 

Selene financial is now blocking my emails and ignoring all means to communicate.
Consumer complaint received 2024-08-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (TX)

About a month ago, I started receiving calls from various area codes, each time with a different number. The incidents they described didnt match my whereabouts on the dates they mentioned. When I asked which hospital they were collecting on behalf of, they provided a name. I contacted the hospital directly, and they informed me that they don't work with that debt collection company and that I don't owe any money. 

I then requested a letter from the " manager, '' which they sent to my email. I researched the information they provided, only to find that the address on the supposed medical bill was actually a random XXXX XXXX store. The letter had information that didn't match mine either like my address or my social. I also came across reviews online from others who had been scammed by the same company, confirming that it was a fraudulent operation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I am filing this complaint regarding inaccurate and outdated information on my credit report, which is negatively affecting my credit score. Several accounts are listed as delinquent, charged-off, or in collections, even though they have been settled or are not reported correctly. Specifically : XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : This account is incorrectly marked as charged-off, but it was settled for less than the full balance. The settlement details have not been updated. 

XXXX  XXXX XXXX Account ( Opened : XX/XX/XXXX ) : Similarly, this account is listed as charged-off despite being settled for less than the full balance. This status should be updated to reflect the settlement. 

XXXX XXXX XXXX  : This account was marked as a collection/charge-off, but it was settled for less than the full balance, and this has not been reflected on the credit report. 

American Express Account : The credit utilization is reported as 103 %, which is inaccurate and greatly affects my credit score. The balance should be updated to reflect accurate information. 

Additionally, there are five collection accounts reported, all of which were settled or paid, yet these accounts remain in collections on my credit report. I believe this information is outdated and incorrect. 

I request that these accounts be properly updated to reflect their correct status, including settlements and paid balances. The continued reporting of these incorrect items is damaging to my credit profile and does not reflect the true status of my accounts.
Consumer complaint received 2019-09-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

Westlake Financial Services charged me twice because of their website error, now I'm almost {$600.00} in negative balance and they will give me a refund in couple of days, in a meantime a bank will charge me {$35.00} overdraft fee and I HAVE NO MONEY TO MYSELF.
Consumer complaint received 2024-08-21
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: FIRST PORTFOLIO SERVICING INC (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ]. Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I filed a complaint with the CFPB back on XX/XX/XXXX complaint XXXX. 
Prior to the merger at Truist, I was a successful realtor and I was managing a successful credit counseling business, and I was expanding my business to include courses. From XXXX XXXX XX/XX/XXXX I struggled access to my mobile banking despite working with several customer service representatives, in-person visits, and every method I could think of to take corrective measures. Despite submitting a correspondence receipt to have the car on auto pay it was not processed and beyond that, most of my account 's auto pay stopped working effectively despite working several hours constantly to find a resolve. 
Truist often times then and now can not locate my accounts at any given notice. My merchant account was frozen because they were not able to recoup payments despite requesting it be set up at the bank directly. As a result of Truist Banks Negligence I exhausted my funds because they froze my business bank account linked to my merchant account that accepted all recurring payments from my clients because they performed an internal offset and deducted money from my account that I did not know were owed at that time. I called their Fraud Department to inquire about what the charge was for and the representative did not recognize the balance was an internal charge and despite my request for him not freeze my account he did it any way and as a result I could not manage my businesses effectively. I ultimately exhausted funds while working with XXXX XXXX XXXX a Truist Client Advocate. Upon the completion of her investigation, she only responded with the obvious that my accounts were damaged but she did not address why my communications with the bank were not followed which resulted in great financial harm. I was abducted in a recently purchased XXXX XXXX and I was abducted in the vehicle when I was lured by a " XXXX  XXXX '' to a XXXX XXXX where I was XXXX XXXX XXXX and the criminals intended to steal and following that event I became a victim of XXXX XXXX XXXX between XXXX XXXX XXXX. During this time I was developing a mass in my XXXX which has been diagnosed stage XXXX inflammatory XXXX XXXX. On XX/XX/XXXX I was sued by Truist Bank for contractual breach of the auto loan which would of never happened if my accounts were managed properly ( XXXX ) within the XXXX XXXX XXXX  XXXX XXXX XXXX I have responded and I am requesting a waiver of fees so I may file a counterclaim for the damages. I am filing this complaint today with hopes of being reassigned a Truist Client Advocate to reinvestigate the issues with my accounts such as bank reps are still unable to provide me with all statements requested and Business Credit Statements which are pertinent to this case. I contacted my original advocate XXXX XXXX but her number is no longer working. I am unable to provide the vehicle loan number but I am submitting my simple business checking account number for look up purposes.