davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

To Whom It May Concern : On XX/XX/2021 I received an voicemail call from a XXXX from a Selene Finance. XXXX asked for me to call her back. I called the number back at the number she gave on my voicemail ( XXXX ). I got someone else on the phone asking me for my account number & social security number. I informed them that I do not have an account number with your company & that I do not give my social security number to no one. 

The person informed me that I do have an account with Selene Finance & wanted to verify my home address. I reluctantly gave the person my home address & then they asked for my account number & SSN # again. I told them again that I do not give my SSN # to no one & that if the lady XXXX called me & asked me to call her back you should just transfer my call to her being that you can see that she called me & wanted me to return her call back. 

The person said that I do have an account with Selene Financial & that I will need to give him my account # or SSN # to see who called me & that I should contact my current lender to get my account information for Selene Financial. I contacted my current service provider & they informed me that my account did transfer to Selene Financial, but they do not have my account number tied to this Selene Financial account.

This company Selene Financial is pathetic! How are you going to conduct legit professional business if you enquire an new account from another company & do not even mail no correspondences out to the account holder introducing yourselves & provide an account number to the account at hand. And then have the audacity to call me asking me to call you back & when I do you want me to provide you my account number to you? Ridiculous! 

Then I tell you that someone ( XXXX ) from this number & asked me to call her back & you would not even assist me getting back in touch with XXXX which asked me to call her back on my voicemail & she did not mention nothing about a account number on my voicemail to reference the call back to. 

I looked this company Selene Financial up prior to typing this complaint & I see why this company has terrible reviews with the XXXX  & on XXXX. I have not even started yet with this Company & already have an unprofessional negative experience.

Take note Selene Financial how about sending out welcome packets to your new accounts letting them know 30 days in advance what has taken place prior to calling someone. That's what professional companies do. And when that person calls you back you do not want to assist when you actually called the person first. 

I need some correspondence sent to me with my account number on it. You should have did this 30 days ago prior to calling me. How can anyone conduct business with this company if you never sent no correspondences out. Get your act together! 

XXXX XXXX
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MI)

I have received 4 different letters in the mail, from 4 different companies ( Target, XXXX some outdoor store in OH, and XXXX ), saying that either the application was denied due to credit score or lack of information. One application said it was approved, and I still need to contact them to close it, but need to wait until after the weekend. 

I unfortunately didnt keep the paperwork after calling the companies, so I dont remember the exact dates, but they were all around mid-late XXXX 2021. All of the companies filed a fraud report and closed the accounts that I received letters for.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have paid the items that we had discussed and the company was to remove the report. I tried to dispute it and now they just added it to another account. Capital one
Consumer complaint received 2021-09-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (VA)

someone took out a speedy cash loan out with my social security number but the loan is in a different name it's not my name but its my social security number the account is not mine I never took out any payday loans. i called the company and tried to dispute this but they are giving me a hard time, they tell me its not my name it's under but its my social. this is ruining my credit for something that doesn't belong to me and I want this company to fix it immediately and be accountable for their mistake in not obtaining proof when giving out loans
Consumer complaint received 2018-04-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC (MI)

Keller XXXX Mortgage is advertising to consumers that they can guarantee lower rates, costs, and savings on their mortgages without any apr disclosure, or how they are doing it. This is simply not allowable. Please have them stop as they are deceiving consumers and not following the rules we as lenders all have to follow.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX I made a furniture purchase from Raymour & Flanigan in XXXX, NJ. The total of the purchase was {$7100.00}. This amount allowed me to participate in a 36 month no interest financing promotion. XXXX months later I made a second smaller purchase on the same line of credit for approximately {$300.00}. This purchase was made through XXXX XXXX XXXX 's website because XXXX had shut the physical stores down. My account was set up on Auto pay so my account was always paid on time and this was confirmed by the financing company TD Bank. After 8 months of timely payments I then received a notice that my account was charged all the back interest. This is not the promotion I signed up for. I was told multiple times by the Salesman ( XXXX XXXX, XXXX, NJ ) that I was under a 36 month no interest promotion. I contacted both Raymour & Flanigan and TD bank numerous times in attempts to have this resolved before it spiraled out of control. Each time I tried I was either transferred repeatedly or thrown on hold with no head way made at all. My account went into collections in XXXX of XXXX and was eventually charged off in XXXX of XXXX. During XXXX I was attempting to rectify this situation so I could repair the damage it had done to my credit and as stated earlier I was unable to get anything accomplished. All I am looking for is to have the derogatory marks taken off my credit file and all late payments removed from my report. I am willing to pay exactly what I owe to this company MINUS the inappropriately applied interest. I understand my financial obligation to Raymour & Flanigan and also TD Bank so I do not dispute the principal owed to them. I am simply requesting that the error committed by them be taken care of in a satisfactory and timely manner. This has caused me and my small business unnecessary stress given the toll it has taken on my credit score.
Consumer complaint received 2022-12-01
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. (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 ) TransUnion 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 XXXXXXXX Date Opened XX/XX/2019 Balance {$0.00}.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

i tried to find out why the company was always charging me for remittances i never did. i just discovered it last XX/XX/2021, because i didn't have time to verify charges that were being done by this company as i got XXXX while in the XXXX, and more so the wifi system in the XXXX was inefficient. as soon as i reach america on XX/XX/XXXX, i iinvestigated and discovered that the company has charged me every now and then for a remittance that was never initiated. the amount taken from my XXXX XXXX XXXX  amounted to {$49000.00} for the whole year of XXXX i reported the scam to my bank, XXXX XXXX XXXX XXXX but the bank seems to be knowing the scam. the investigator reported to me that on their end, they knew only $ XXXX were scammed because some details could not be verified. then suddenly, XXXX XXXX XXXX changed tune, and said that they can only charge back aeround $ XXXX because i discovered late that scam that was going on.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING AND IS THE BIGGEST LIE THIS FRAUDULENT CROOKED COMPANY TELLS AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-26
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: Affirm Holdings, Inc (MD)

I would like to file a dispute for Affirm ( XXXX ) XXXX. I have not received my refund back from Affirm after canceling out an order placed on XXXX XXXX. My order was canceled on XX/XX/2021. After contacting Affirm they indicated that XXXX XXXX have to refund the money to them. I contacted XXXX XXXX XXXX ( XXXX ) XXXX on Friday XX/XX/2021, spoke with XXXX a supervisor, she email Affirm to let them know they did not charge they just pre authorized the credit card and it then dropped off. She indicated that they did not charge the card until the item is shipped in which in my case my item was on back order. I called Affirm back, spoke XXXX whom indicated they did not receive any communication from XXXX XXXX. I provided to Affirm the cancellation notice I received from XXXX XXXX, however, they would not honor that information. I have called several different time requesting a refund and no one will help me. Can someone please assist me with this issue as I do not know what to do at this point. Thank you for your assistance in this matter! 
XXXX XXXX
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The account was paid in full last year XX/XX/XXXX and the company representative stated I owe $ XXXX.So I asked why she indicating I owe that amount, she stated it was the copay from my insurance company. So I called XXXX ( my insurance ) to send me the proof of the check and my amount of {$250.00} was included since it was filed on uninsurance motorist because the driver left the scene and the car was totaled out that's why my deductible was only {$250.00} and it was included with the payment. So I had to sign my car over to XXXX so the company could be paid. So XXXX now owns the car However afterward when I reach out to the company they indicated that I owe {$240.00} ( XX/XX/XXXX ). Then just two monthsXXXX ago I was told to pay {$100.00}. This is fraud by indicating I'm behind on a car that was paid off a year ago and I also file with OCCC because they are making false and fraudulent claims on all three of my credit reports and I have submitted documents. The inquiry was removed then later it was put back on all three of my credit reports ( late payments ) This is an unfair allegation. This is a predatory lending company ( This company is fraud and adding usurious interest to a car loan that's been paid in full!!!!!
Consumer complaint received 2022-01-26
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: Main Street Holdings, Inc. (SC)

I found two different hard inquiries only on my XXXX credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with XXXX. The party above with the two hard inquiries was Mauldin Financial SE of XXXX S.C with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

Account has been closed since XX/XX/XXXX. It is now XX/XX/XXXX and every time I call, I am told to continue to check the mail for the returned funds without any definitive answer of a check # or an amount that is being returned. This is a large amount for me and it is severely affecting my personal and business life. I need the funds returned immediately.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have just completed a refinance of my home through Bank of America. The process was initiated on XXXX XXXX and was finally completed on XXXX XXXX, 2015. I have the following issues ; XXXX. I was told that we would close on or about the end of XXXX. On approximately XXXX XXXX I contact BA and asked about my closing date. They had lost my paper work and forgot to call for an appraisal. I had lost XXXX days in the closing process which cost me money. XXXX. Afterwards, I was sent an email that my final signing of papers would be on Wed XXXX XXXX and they requested that I have a cashiers check for {$1600.00} made out to a certain title company. After signing the papers and giving the cashiers check to the signing agent, I received a random call. On Thursday afternoon I was called, by someone I did n't know that claimed they were from a title company I had never heard of, and told that the cashiers check was made out to the wrong company and that I need to wire money to them. I immediately thought this was a scam, so I called BA and they said they would look into it. About an XXXX later I received an email stating that BA had made the mistake and the cashiers check would be returned to me by the title company. I did a wire transfer to the new company, after the new title company sent me an email. At this time I noticed the the closing cost went up to XXXX, a {$70.00} increase. Reviewing my documents BA had given me the wrong closing costs in their email. The wire transfer cost me an additional {$25.00}. The cancelled cashiers check cost me {$3.00}. 
I have sent an email to BA asking for reimbursement for the wire transfer and cancelled cashiers check. But they will not respond. I am also questioning the fact that by them losing my paper work for approximately XXXX days, why would n't I be reimbursed for the difference in the interest rate and mortgage insurance for the XXXX days? I am estimating that is is almost {$500.00}. 
Again, Bank of America will not answer or return my calls. How do I settle this with them?
Consumer complaint received 2019-07-29
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)

On XX/XX/XXXX I informed Transunion of an old closed account from XXXX XXXX that continues to report incorrect past due amount and balance. The account has been closed for 10 years, their " charged off '' amount from XX/XX/XXXX was CANCELLED by the IRS on XX/XX/XXXX XXXXode G : due to LAW & policy after 5 years of me sending complaints. I notified both XXXX and Transunion that the balance being reported never existed and there is no past due amount as anything relating to this account was cleared in XX/XX/XXXX yet for some reason a balance kept being reported that was more than the original charge off and cancellation. I was never late on this account to begin with. They failed to send my bill, improperly processed payments and reported inaccurate data and the whole issue is OLD! It looks like XXXX did report the balance and past due as {$0.00} on XX/XX/XXXX, but Transunion sent me a credit report still showing the bad data on XX/XX/XXXX. I called Transunion and the agent told me that the negative item was removed but my report wouldn't refresh until XX/XX/XXXX when the dispute officially closes. He suggested I check XXXX XXXX on the XX/XX/XXXX to see the change and I did see that the balance and past due were put to {$0.00} and my score went up. The agent told me the new data would be effective immediately and I could apply for credit after the XX/XX/XXXX but when I applied to XXXX XXXX XXXX on the XX/XX/XXXX for a business credit card for my business that has been on hold all year cause I can't get a business credit card to charge needed materials and inventory with business buying protection, I was rejected. Apparently, XXXX did NOT receive the refreshed credit report, they got an old one with outdated, inaccurate data and a much lower score than anything shown to me.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

my original loan was for XXXX XXXX  bought my loan on XX/XX/XXXX for XXXX. 
years XXXX, XXXX my payments were late because they could/would not change my due date so that it would be due around my pay period so each month I was given a late fee. by XX/XX/XXXX my loan principal was XXXX I then made payments without late fees for the rest of XXXX, XXXX, My hXXXX  then had a major XXXX in XX/XX/XXXX. They reduced my payment but would not put it on hold. so again, I stopped paying XX/XX/XXXX. XX/XX/XXXX after my legal XXXX. I restarted auto pay and continued payments until XX/XX/XXXX. At that time i was made aware that I have paid so far XXXX dollars. For this loan of XXXX. They say I still owe over XXXX dollars. I think Since I have given this company double of what my loan is that it should be at least paid in full. 

I no longer have the well paying job that I had and at the age of XXXX have only been able to get part time work doing XXXX XXXX. They said I was not eligible for any of the programs to have my loan forgiven. 

How can I get them to accept the amount that has been paid as payment in full.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (MA)

On XXXX, Original Creditor : Not Available Creditor Contact : Not Available, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CBE GROUP ( Original Creditor : XX/XX/XXXX) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Delete this collection account PRONTO.