davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (IL)

Selene Finance now bought my mortgage. It was transferred XXXX. 
They started sending me overdue payment letters immediately. I called and told them I was on a Covid 19 Forbearance program until XXXX. 

On XXXX I spoke to XXXX and was told they did not have that information. I had to contact the old mortgage co and have a letter sent to verify. 

I did that and sent it to their email address on XXXX and XXXX. They verified receit of the letter on XXXX. 

A letter dated XXXX which I received 2 weeks later stated they updated the forbearance thru XXXX. 

Today on XXXX I called to move forward and verify they updated my account and this is what happened. This is what I learned today. 
They sent a forclosure letter dated XXXX that I must pay all payments from XXXX thru today by XXXX total {$32000.00}. I thought that must be wrong and would not have any bearing since they finally updated the forbearance thru XXXX. 

Total time on the phone with Selene Finance was from XXXX thru XXXX. 

1. XXXX she understood that they did not have forbearance information for the prior months and was going to have her supervisor help to fix the situation. She went back and forth on the phone with me for over 1.5 hours while they were working on it. Then my call was put back into the Que to wait for another operator. 
2.XXXX- I told her the above and I would like to talk to a supervisor then she disconnected me. 
3.Called customer service again and on hold for 20 min and disconnected from customer service line. 
4.XXXX- Told her everything and she was going to look into it and then again disconnected. 

XXXX figured out the covid 19 forbearance info was not updated correctly. I have been on it for several months. There are no months in default for payment. I was on the forbearence the entire time payments were not made for the mortgage. 

This needs to be corrected. All information they requested was given and you would think the information was provided by the original mortgage too. XXXX XXXX XXXX XXXX XXXX Selene Finance has been billing me for months which is against the Covid 19 forbearance and now have me listed for a forclosure if all money is not paid by XXXX. 

This is all illegal. 

I have not received 1 accurate letter from Selene Finance. 

They also sent a letter stating I applied for a Loss Modification. That is fraudulent I did not fill out any paperwork they needed to first fix that I was approved for the Forebearance thru XXXX. 

Please help with this situation. I am unable to get any help from the customer service line. 

I was on a Covid 19 forbearance. All forebearnce information needs to be updated onto their records. This illegal default must ceese and is against all Covid 19 Forbearance rules. 

Thank you
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Thaxton Investment Corporation (IL)

I am trying to pay this loan off over a year early but they are still making me pay all of the interest except {$400.00} the total interest charged is {$2900.00} which is excessive but if I am paying it off in almost half the time it seems like I should not have to pay all that interest. They added the interest immediately on the loan & how can that be legal when I have not accrued the interest yet?
Consumer complaint received 2022-01-24
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: CNG FINANCIAL CORPORATION (CA)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. Their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX Account Number : XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-04-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Counterfeit checks were deposited and cashed from my Business checking account, none of which were authorized. I contacted my banking institution within a timely manner ( 24hrs ) and have gotten no response back. The 1st 2 checks were deposited on the XX/XX/XXXX for {$7300.00} and {$7600.00}. Banks were closed on the XXXX of XXXX, I called on the XXXX to report it. The bank took a claim and said someone will get back to me in 2-10 business days. Another check for {$7600.00} was deposited and cleared on the XXXX of XXXX for {$7600.00}. I again called and notified Suntrust on the same day, and another report was taken. Another check for {$4800.00} was deposited and cleared on the XX/XX/XXXX. Again, I called Suntrust to report it and why they keep clearing these checks. I was told it would take 30days to get a response back, meanwhile I am out {$28000.00} plus bank fees. To this very day, Suntrust has not gotten back to me with a single phone or response of any kind. I need assistance because I make daily calls to the bank and I keep getting the run-around.
Consumer complaint received 2022-01-24
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. (GA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-04-08
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Lakeview Servicing, in association with XXXX & XXXX bank failed to protect my personal information, including XXXX. They had a data breach in XXXX XXXX to their file servers. This was not reported to me until XX/XX/XXXX.
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (SC)

I, XXXX XXXX natural person recently did a cfpb Complaint against Commonwealth Financial Systems Inc for putting medical collection on my consumer report. I didn't receive a letter from them about this debt. So how can I respond in 30 days. I'm demanding proof that Commonwealth Financial Systems Inc sent me a letter and I sign with my wet signature showing that I received it. Even so pursuant to 15 usc 1692g ( c ) Admission of liability- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So the only person that can say I owe this debt is me. I DO NOT OWE THIS DEBT. SO REMOVE THIS COLLECTION FROM ALL MY CONSUMER REPORTS. Show me an agreement stating that if you buy my debt from the original creditor that I would pay you with my wet signature!!
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

Purchased a home on XX/XX/21 I closed on the FHA 30yr loan on my first home. 
The appraiser documented No prior sales to the subject property in the past 3yrs other than when sellers purchased it I found out after closing I was the 4th buyer of the home in 1year. This information is public record on XXXX XXXX County accessors ' office, and XXXX. 
*My interest rate was locked and agreement signed, the fee for points changed 3 times without communication to me that the fee for points was changing while my interest rate was locked. The most important were on my preliminary and then changed again on my final disclosures.

*I was steered to believe I qualified for the Mortgage Credit for first time homebuyers and that Hallmark and my lender filed for the credit as stated and the program fee of {$800.00} was on all my of my CD 's except the final CD it was removed.

*I contacted XXXX XXXX XXXX who stated that nothing has been filed for any credits in my name, she also checked under my SSN and address. Nothing was ever filed. 
*My lender admitted that they didn't file it and threatened to push closing out to file for the credit which takes a month alone and the lender was aware that if we pushed closing out any further the sellers would not be willing to do, so I would lose the home. 
*Hallmark home mortgage steered me away from government programs to help with closing cost and down payment assistance which I qualified for due to my lender stating that if we go through XXXX XXXX XXXX will dictate the interest rates, and they will be higher. 
XXXXmorning of closing I informed Hallmark and my Lender that the CD was not accurate, showing credit cards that I had already shown proof of payment. 
*I have all the documentation in writing as I have a mortgage that I have not been able to afford, I had nowhere else to take myself and XXXX  children. I work full time in XXXX  and I have XXXX  young children. This was awful what happened to me, and I was backed into a corner where I didn't have a choice.

*This was originally supposed to be a conventional mortgage, but my lender stated it was not worth his time to do my loan conventional even though I had already taken the Framework for homeownership class and did everything required to do the Home ready program under XXXX XXXX  XXXX 
I filed a formal complaint, which they gave to an attorney, who did not address any concerns.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MD)

Ny Indigo Credit Card was used to make an online purchase in XX/XX/2021. I immediately notified the card issuer and consequently my account, after a two week investigation by the card issuer, was credited for the unauthorized purchase. Two month later, the card issuer put the charge back on my account XXXXafter I paid the account off0. I received no notice and despite numerous phone calls to the card issuer I have been unable to ascertain why the charge was placed back on my account and I have been unable to gave the charge removed or received reasons why it is not being removed.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: TD BANK US HOLDING COMPANY (SC)

My financial life is under attack. 
The bank gave me a credit line of over draft protection and some sicko system has gotten its hands on it's algorisms. 
It will not honor the protection the account was assigned. 

Also, in addition of this, XXXX was refunded by the merchant regarding a failed attempt at travel, with the company on the XXXX. XXXX stated their was issues getting trains out of the XXXX South Carolina Area. Did issue the money and within a day the bank told me it was pending to go into my account. 
All of a sudden on the XXXX the money has disappeared and the only thing they can say, is that it will hit the account some time. At this point I now believe there is a thief at the bank using customer 's money and then putting it back when and if they feel like it.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I started using PayPal for a service I provided. I went on a XXXX channel and after people wanted psychic readings. 

It happened unexpectedly. Within 2 weeks 80+ people have contacted me. 

I didn't realize the problems with PayPal before like 21 day holds on funds even after the service was successfully provided. 
They often deny my ability to use my debit card claiming they can not confirm it's me. 

My phone provider is XXXX. The account is in my name. I actually have a physical credit card from PayPal they 9 times out of 10 will deny usage. 

Today I loaded XXXX cash from my XXXX payment through another bank to Paypal and they now are denying me the ability to send money to a friend. I borrowed money because PayPal denying my card left me stranded.

I am a homeless Veteran living XXXX XXXX XXXX. I left my home because we ran out of water. I am currently looking for a new place but funds are short and PayPal is holding money I desperately need.

After I withdraw my {$1000.00} from PayPal I plan to close my account. 
I also will be contacting an attorney as I feel this is preditory business practices.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GRANDVIEW FINANCIAL SERVICES INC. (CA)

An account for a loan of a vechile was opened fraudulately XXXX my name from a grand view finacial company and now is XXXX my credit report for XXXX owed. Ive never even tried to get a car loan I've always purchased my used vechiles outright with cash. I've disputed this account several times and have gotten no where.
Consumer complaint received 2021-05-13
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. (FL)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-01-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian is failing to reflect 4 XXXX XXXX credit cards that I am individually responsible for, despite connecting my XXXX XXXX account to their " boost '' program and submitting additional paperwork from XXXX XXXX that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with Experian to resolve this problem. Experian suggested I contact XXXX XXXX, which I did. XXXX XXXX provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to Experian on www.experian.com/upload. XXXX XXXX claimed they were going to " re-send '' my credit data to Experian but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my XXXX XXXX account with Experian 's boost program, which uses a third party to search my credit cards for utilities and other bills. Experian was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking Experian to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A. (IN)

Ive tried online and calling for assistance with lowering my payment or a deferment as my partner and I have been out of work two different times with Covid-19. Please help lower the monthly payment or do a three month deferment
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I discharged  my XXXX XXXX Credit card {$9000.00} with my XX/XX/2021 bankruptcy, but it is showing that it is in collections and was not discharged as it should have been.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Payment history is incorrect because there is a past due amount of {$5500.00} but should be {$0.00} because was charged off and closed in XX/XX/2020. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive it. And when still comes up on my consumer report is concerned tax refund