davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC (PA)

Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX XXXX XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was renting a space to park my truck at XXXX XXXX XXXX  in XXXX, Florida. They sent me a notice that i need to vacate the premises by XX/XX/2022, in which I did. The woman that was handling the payments passed away, and the recurring charges continued, the business is blaming the poor woman, nonetheless, I contacted Wells fargo Bank, I filed a dispute. They agreed, however, they only refunded me {$290.00}. The total amount of the unauthorized charges amounted to {$630.00}. The storage unit refuses to refund me the difference of {$330.00}, and so does Wells Fargo. I contacted Wells Fargo and even visited a local branch, they said initially they were only liable for {$290.00}. When I called them back and spoke to customer service, on XX/XX/XXXX, they sated that they would refund me the other amount of unauthorized charges, with the method of a manual credit. I called back, they have no recollection of such conversation. They did not do what they promised to do. I have not received my refund as they stated. Thank you.
Consumer complaint received 2022-11-16
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)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.
Consumer complaint received 2016-12-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: The J. G. Wentworth Company (CA)

My Loan Servicer JG Wentworth did not pay my property taxes at all. Payment was due XXXX XXXX and penalty was due if taxes were not paid by XXXX XXXX. As of XXXX XXXX, the property tax is still unpaid. My escrow account information still shows the full balance.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NC)

I have a car loan with Wells Fargo Bank to which I make monthly payments from my monthly XXXX payments through the Federal Government XXXX XXXX XXXX XXXX card. 

Their online payment service does not accept the card and I was instructed to call in every month and pay through their customer service department. 

I was making payments via phone for the last several months until this month when I was told by one of their agents that they no longer accept the XXXX XXXX debit card as a form of payment. 

They have refused to make any arrangements or exceptions and expect me now to make physical cash payments at one of their bank locations. 

As I have no bank account, this would entail me making an ATM withdrawal for a fee, having {$300.00} cash in my possession, which I don't feel comfortable carrying around, and the inconvenience of going to their bank every month.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

My loan was recently sold to the company LoanCare. Within my original loan agreement, I was entitled to a 15 day grace period before experiencing late fees. This current company, however, has created a " servicing fee '' based on the date of payment. If I pay online before or up to 4 days after the due date, there is no servicing fee. 4-9 days, there is a {$5.00} fee and 10 days or beyond there is a {$10.00} servicing fee. I explained to the customer service representative that this fee structure was not in my original loan agreement. This " servicing fee '' is the equivalent of a late fee, as it is configured based on the date of payment, not a flat rate charge to compensate the company for a service. The 15 day grace period that was in my signed loan agreement is being violated with this fee.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (GA)

I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.
Consumer complaint received 2016-08-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, 2016 I received an email from PayPal saying I 'd added a new address to my account. I have not taken any such action ; in fact, I have not used PayPay for several years. I 'm note even aware of the account number I used at the time. I tried to respond to the email and the email address would not let me. I tried the " if you did not make this change '' link on the page and the link does n't work. 
On XXXX XXXX, 2016 I received another email, this time from XXXX asking that I confirm that I added a new address to my account. Again, I tried to respond to the email and the address wo n't let me. 
I haven no idea where this is coming from and fear that someone may be trying to use my identity. The name they 're sending to my email address is not me, as shown in the attached emails ; and the address is in XXXX, XXXX.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IA)

I am a victim of identity theft and someone stole and used my personal information to open an unauthorized and fraudulent account with XXXX. I been receiving harassing and threatening telephone calls and death threats from Enhanced Recovery Company representatives.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DC)

Hello, My name is XXXX XXXX XXXX. I had a medical bill that was overdue and went to a collection agency by the name of transworld systems. The total amount of the debt XXXX and I was able to negotiate the debt with an agent down to half which equated to XXXX. The debt was settled on XX/XX/19 and I received the following confirmation number:XXXX. Since XXXX, Transworld systems has kept calling me on a consistent basis and every time I speak to their agents, they confirm that my debt was paid and cant expalin why I am still receiving calls. I always have to re-explain my situation to every agent that calls me eventhough this debt was paid off nearly 5 months ago. It seems like this company is disorganized and their supervisors are completely uncooperative and unprofessional. I have had Transworld employees talk back to me and one supervisor even hung up on me. Today I was told by another supervisor by the name of XXXX that my debt is now back at the original amount which I dont understand because I already settled this debt back in XXXX and have proof of payment. I am tired of being misled and harassed by this company. Please contact me should you wish to discuss. Thank you.
Consumer complaint received 2015-06-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (OH)

I recently found out about the Wells Fargo lawsuit. Last year I was contacted by a collection agency XX/XX/XXXX saying I had a credit card through Wells Fargo, which I do n't ever recall opening, thinking my ex may have opened it, and being that I am trying to get my credit situation in order I paid off the debt. The debt collector was XXXX in XXXX, IL. They said the account was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I tried contacting Wells Fargo but they kept giving me the run around and telling me they did n't have that information I would have to contact the Debt collector. After I heard of the lawsuit and read the court file I needed to contact someone and try to see if this was one of those accounts and if I would qualify for some sort of reimbursement.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. 
Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). 
When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. 
I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. 

I need someone to help me. 

I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. 

I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CA)

I was charged for an in store purchase of {$110.00} on XX/XX/22 at XXXX XXXX for a purchase which I requested but the cashier refused to provide a paper receipt so I declined to complete the purchase and left the store without the merchandise. The vendor still ran the charge, which posed to my Barclay 's Bank Jet Blue card on XX/XX/22. I initially disputed the Charge with Barclay 's Bank. They asked if I had disputed it with the vendor. I had not at the time, so I selected no as a response. They said try to resolve the dispute with the vendor. I tried to resolve the dispute the vendor, but because I did not receive a receipt, I was unable to resolve the dispute with the vendor. I then tried to reopen the dispute with Barclays Bank US, now that I had followed the instructions provided by the bank to try to resolve the dispute with the vendor and was unable to do so. They would not allow me to resubmit the dispute, and the message I received was that the transaction has already been disputed.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/22 i was scammed by thieves pretending to be wells fargo. Using wells fargos phone number because i tried to call it back and it went to wells fargo, they and broke into my business account and transferred out {$23000.00}. i called wells fargo as soon as i figured it out later that night to try and get them to stop the transaction. I was told to call back in the morning first thing. I did that right when they opened and they told me it was too late. They would do an investigation so i have been waiting for 10 days to hear from them. Today i received a letter in the mail saying that there was nothing they could do and the case is closed. Please i need help this will destroy my business.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.
Consumer complaint received 2016-11-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DriveTime (TX)

I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint Details I filled out an application for prequalification on a home mortgage about a month ago. After about 3 days i received a prequalification letter saying i was qualified for a home loan of XXXX with 5 % down. It said that the next step was to find a home and get a contract. So I did.I put XXXX $ down ernest money and XXXX $ for option period then another XXXX $ on home inspection. I then had the realtor send over the contract and was instructed to call USAA to make sure everything was going well. Well I call the number listed on the pre qual and ask for the status and they say it has not been prequalified ... .then why did i get a prequalification letter? They said something might have got messed up so I went through the whole process again with no luck. The denial i got from the second one cited insf funds to close loan yet I had XXXX in USAA buyer was going to pay XXXX plus XXXX ernest and a XXXX gift ... that would be XXXX plus by the time the loan closed i would have had another XXXX. This is besides the point though ... I got a paper saying im prequalified for a loan through USAA yet when i called they said no. So someone made a mistake and it has cost me XXXX in inspections and XXXX in option fees ... that is a {$490.00} error because i received a prequalification from USAA and began the home buying process. Only one person told me exactly what was going on and actually advised me that USAA offers first time home buyers program that would help us out. The first like 6 people should have told me about this program, I clearly told them this would be my fist home. Anyways I am not out {$490.00} and have wasted a month going back and forth with bad services. I have never had issues with any of my other products but to fail so badly and XXXX us over will make me seriously reconsider another product through this company. And I do expect a reimbursement for my losses as if I did not have that prequalification we would have never continued the process and spent that money. I also now have numerous credit pulls because all said and done I went through 4 applications before I got the full story.