davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (TX)

Early in XXXX I was affected XXXX, and it affected me pretty badly, I didn't make any commissions and couldn't meet with any customers while I was ill. 

I contacted by lender and told them if I could put the payment on the back end of the loan since I was unsure when I would be able to work, and I also needed to make sure I had as much money available to me so it was a courtesy I was looking for. 

Last year I was affected by XXXX last XXXX and they moved a payment on back end for me. The rep did not mention to me that I was ineligible to put the payment on back end since it was already done within a 12 month time. She told me I would have a payment that would be due in the following month. I did not receive any notice that my approval was denied for the extension. 

As I recovered and was planning to catch up I received a notification that I received a 30 day late. I contacted XXXX and they stated I would need to dispute it to the credit bureaus depsite the fact that they listened to the recording and they rep wasn't clear that I was denied or approved, and I never received anything from XXXX stating that I wasn't approved. 

The supervisor I contacted stated he was going to put a recommendation to remove the late since I have never been 30 days late before and this was a misunderstanding.
Consumer complaint received 2022-04-06
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (CA)

I purchased some items from XXXX back in XXXX. I used Affirm to split into 4 payments. They took roughly one and two months to arrive for the two items. Both items I received were nowhere near as described. 

I contacted the vendor and got a refund on the first item. Once I received the second item again as not as described, I contacted the company. They notified me they would only refund it if I paid to ship it back to them. I let them know that I would not be paying shipping, as it was not what I ordered. I would be happy to send it back if they provided a label. 

The company refused, so I file a chargeback with my credit card company. My credit card sided with me given the evidence and approved the chargeback. When the money came out of Affirm, Affirm let me know I was now past due. 

I was unaware of the fact I would have to file with both Affirm and XXXX. I tried to file the dispute with Affirm and they are refusing to entertain it, despite it not yet being 60 days since receipt of the incorrect item. 

Affirm believes I am on the hook for {$100.00} for an item that is not what I purchased. My credit card company agrees with me that it is not what was purchased, and gave me my funds back. All I am looking for is for Affirm to close out the account as a valid dispute.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AZ)

On XX/XX/21 I received an escrow analysis showing escrow shortage because Selene Finance DOUBLE paid my property tax bill, and is now asking for a higher payment. They were refunded the double payment, and I am asking for a new accurate payment, and have waited several weeks, to no avail. Sitting on hold for an hour gets me nowhere.
Consumer complaint received 2022-03-09
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. (MI)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me :
Consumer complaint received 2022-04-06
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Good Afternoon I applied for a credit card with XXXX and was denied so I called for reconsideration as I have a long standing banking relationship with XXXX. After talking to a representative, I was approved for a card but was hit with an unnecessary hard inquiry as an initial one was already done when I first applied for the card. 

I am seeking to have one of the inquiries removed. 

Thank XXXX XXXX
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

on XX/XX/21 account XXXX was disputed with company XXXX/XXXX  XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX someone walked into a Wells Fargo Branch in XXXX Florida and withdrew {$5000.00} from my joint account. I was not provided any information requested such as how did this happen or why it happened in the first place. My money was returned to my account on XX/XX/XXXX and I have not been contacted since by Wells Fargo with any explanation. I had submitted a police complaint and an investigation was opened. A subpoena was submitted by the police dept and never responded to which led to the case being closed due to lack of cooperation on Wells Fargo part. I have the letter where Wells Fargo explains it will give the Branch Manager permission to share the withdrawal slip as well as video footage as well as communication from the detective alerting me to the fact that they would not share any information and were being " difficult ''.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to XXXX XXXX. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have drafted the following timeline of my entire Coinbase history. Please see the references below. 

Overview : On XX/XX/2021 at XXXX PM : I deposited {$24000.00} on Coinbase Pro. 

On XX/XX/2021 at XXXX AM : I made a {$5000.00} purchase of Bitcoin on Coinbase Pro. This resulted in a {$19000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

On XX/XX/2021 at XXXX PM : I made a withdrawal of {$1000.00} USD on Coinbase Pro. This resulted in a {$18000.00} USD and XXXX XXXX balance in my portfolio on Coinbase Pro. 

Fraudulent Activity Timeline : On XX/XX/2021 at XXXX AM : The hacker withdrew the entire total of XXXX XXXX ( value of {$6300.00} USD ) to the following Destination Address : XXXX On XX/XX/2021 at XXXX AM : The hacker transferred {$18000.00} USD from Coinbase Pro to Coinbase. 

On XX/XX/2021 at XXXX AM : The hacker made a {$18000.00} USD purchase of Bitcoin on Coinbase, resulting in a Bitcoin balance of XXXX. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker unsuccessfully attempted XXXX transactions that were all canceled. 

On XX/XX/2021 at XXXX AM : I called Coinbase and locked the account for suspicious activity. 

On XX/XX/2021 from XXXX AM to XXXX AM : The hacker successfully completed 127 transactions, resulting in a Bitcoin withdrawal of XXXX ( value of {$6400.00} USD ) to the following Destination Address : XXXX Conclusion : The total amount of Bitcoin that was stolen was XXXX ( i.e. XXXX + XXXX ) ; In USD, this was a total value of {$12000.00} ( i.e. {$6300.00} + {$6400.00} ) The remaining balance in my portfolio on XX/XX/2021 was {$90.00} USD and XXXX XXXX on Coinbase. 

I would like an explanation on how I locked my account on XX/XX/2021 at XXXX AM and the hacker was successfully able to complete 127 transactions, resulting in a Bitcoin withdrawal of XXXX on XX/XX/2021 from XXXX AM to XXXX AM.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (NV)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

Wells fargo continues to send the same response not answering any questions se ding valid proof of accounting records and book keeping. They remain in default and will remain in void untill litigation occurs. Your contract is null and void, and you have been paid for the account 5 times with tenders of payment and refuses to accept form of payment. They are committing fraud as described in the affidavit of truth please send this correspondence to your legal department I won't no further communication with Wells Fargo complaint department. Also please send over the lawyer contact information so he can be forwarded the legal documents
Consumer complaint received 2022-04-06
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IN)

This complaint is long overdue. I lost a home to foreclosure with Ocwen Mortgage Services. Home was purchased in XXXX using a VA loan benefit. Ocwen acquired the loan shortly after. In XXXX I suffered a work-related injury that had me off work for over 5 months, the majority of which was unpaid. Ocwen would not work with through this time. They would refer me to assistance programs and every time I sent the aid packages ( by mail and fax ) they would claim to never receive them and send me another package to fill out. Every financial aid request was dealt with in similar manner. This happened on at least 5 occasions. Ocwen would not negotiate any restructuring of payments, refused partial payments, failed to honor XXXX  gap protections that were part of my original mortgage loan, and after 3 missed payments they blocked me from online payment access, phone payment access, and wouldn't cash checks sent by mail. When I would try to call Ocwen reps would tell me I had to pay the full delinquent amount to be able to re-establish payment. I was not able to do that as I had only received 45 days of worker 's compensation from my employer at 80 % of base pay. I believe Ocwen acted in disregard of consumer protections and failed to consider or respond to financial aid benefits that were supposed to be available to borrowers during that time. They acted with callous disregard for my hardship, failed to honor XXXX protections that were present in the original loan, and refused to work with me on partial payments or any type of restructuring of the loan. Is there any recourse against Ocwen or their parent company? Have there been any class action settlements that I may have missed because I was basically transient after losing the home and had no firm address as a point of contact to receive information of this kind? This foreclosure also caused me the loss of my VA home loan benefit in the amount of {$39000.00} that I have never been able to repay. It seems obvious that Ocwen acted in a manner to intentionally force foreclosure despite all my efforts to try to work with them on a solution.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.