davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (TX)

I sent a request for proof of these charges XX/XX/XXXX because this is damaging my credit score and I did not have a XXXX XXXX Account during these dates. Also they both have the same date of last payment and were closed within 1 day of each other. They also indicate that I supposedly opened one Credit card in XX/XX/XXXX and then another with them on XX/XX/XXXX. the credit limits were {$400.00} and {$700.00}. There would be no reason for me to apply for another card with the same bank and only get {$300.00}. I would just request an increase. These are clearly duplicated. 
Please see items below XXXX XXXX XXXX XXXX XXXXXXXX {$950.00} XXXXt XXXX XXXX  XXXX {$680.00} I have asked them for all documents including the application and/contract. I have received nothing except a Transunion letter dated XX/XX/XXXX stating that the information was verified. How was it verified? They did update the historical data but have provided none of the requested information to me.
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

2 letters to the Comptroller of the Currency 2 letters to the President of the Bank of America 2 letters each to Senators XXXX and XXXX dozens of emails and telephone calls to XXXX XXXX and XXXX XXXX of the Bank of America In each explaining that because of the novel coronavirus pandemic we as senior citizens of advancing age with serious medical conditions can not work. That in fact XXXX XXXX had to quit her job of XXXX  years because we are in the HIGH RISK category of catching the novel coronavirus No reply from the President of the Bank of America! 

Today we received a telephone call from an employee of the Bank of America from Florida. He denied our many times repeated request to reduce our monthly car loan payments to {$500.00}! He threatened to repossessing our car! He threatened to take us to court. 

Earlier today we received a letter from the Bank of America in which it demanded that we pay the amounts on the car loan that we have not paid and threatened to take us to court and to repossessing our car. 

This after all our many communications concerning the novel coronavirus as set forth above. 

The Bank of America is being brutally cruel to us, totally and completely unsympathetic and empathetic and unconcerned! 

Nor are we talking about {>= $1,000,000}! We are talking about the difference between the original monthly payment of {$770.00} and {$500.00}! And to think that the Bank of America won't bend an inch, won't budge even one penny!

Outrageous, appalling, an abomination! 

Hollywood could not make this stuff up! Nor could Shakespeare have done so either!

The people in the Bank of America one of the wealthiest and largest banks in the USA are brutally cruel to us who refuse to help us out at this most dire time in the history of our beloved country! 

The Bank of America has tens of thousands of employees but no one has the moral integrity and decency to answer us and say yes, {$500.00} per month on the car loan! 

Obscene! 

We are co-signers on the car loan! 

Their conduct is almost criminal in nature! And certainly it is quasi criminal!
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (TN)

I opened an account with American First FinanceXXXX XXXX XXXX XX/XX/XXXX. Account # XXXX. When reviewing my credit report it was brought to my attention that I had a charge-off and an amount of {$200.00} owed to American First so I logged in and paid the {$200.00} in its entirety ( confirmation # XXXX ). I contacted the company via chat to discuss with them me paying it off and the rep instructed me to contact XXXX XXXX  XXXX, a third party collection agency to which i did. There contact number is XXXX. They returned my call this morning to which I told them that I paid the account off on yesterday via the payportal for American First Finance and informed me that they did receive my account but did not accept the account so it was not in their system. I then contacted American First Finance again at XXXX on XX/XX/XXXX, and told the agent what the collection agency told me. The agent referred me to physically call XXXX XXXX customer service at XXXX to which I did. The young lady that I spoke with let me explain what the situation was. I explained to her that my credit reports were reflecting a {$200.00} balance so I paid it off on XX/XX/XXXX and contacted them to let them know, and they told me it was with XXXX XXXX  XXXX which they stated it was not. She placed me on hold and stated she would call me back on what may still be owed on my account when I told her that {$200.00} is what the credit bureaus showed and their last reporting date to the bureaus was XX/XX/XXXX. This is also the amount that was turned over to collections, when she stated that it was leasing fees that were the extra amount but if they thought it was turned over to collections why would it accrue leasing fees or interest? They had just been informed by me that the collection agency did not have my account. She told me it would have to be paid but would call me back. This company has been reporting {$200.00} as a balance on my credit every month with the last report on XX/XX/XXXX. I have paid the {$200.00} total and do not feel it is fair to throw extra fees on me after I have paid the account and that those fees should be adjusted off. I have attached the report from the credit bureau with the last reported date and amount, the receipt from American First Finance portal showing payment, and the payment that has been deducted from my bank account from American First Finance
Consumer complaint received 2018-08-22
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: Selene Finance LP (CA)

1. In a letter dated XX/XX/2018, I requested Selene Finance , Inc. ( " Selene '' ),  my mortgage servicer, to remove unfair reportings to my credit reports of : 180 days late to XXXX and XXXX ; and 120 days late to XXXX. I have a certified mail proof of delivery receipt dated XX/XX/2018. Thus, Selene 's 30 day deadline was XX/XX/2018. 

2. I obtained a copy of my XXXX, XXXX, and XXXX credit reports on XX/XX/2018, well after Selene 's deadline of XX/XX/2018. Again, Selene was required by federal law to place a " notice of dispute '' on my accounts no later than XX/XX/2018. 

3. In a letter dated XX/XX/2018, I notified Selene that it had not placed a notice of dispute on my XXXX, XXXX, and XXXX credit reports within 30 days. Thus, federal laws requires Selene to completely remove the items reported late from each of my credit reports. 

4. Selene still has not complied with federal law. The late reportings are still on each one of my credit reports and I want them removed.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-12
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 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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-06-19
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. (PA)

Fraudulent Negative Accounts : XXXX  XXXX Account Number.n/a Account Opened : XX/XX/2022 Balance {$2400.00}
Consumer complaint received 2022-07-12
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. (TX)

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 XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-12
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 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-12
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: Chime Financial Inc (CA)

XX/XX/XXXX XXXX money was withdrawn from a XX/XX/11 on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX a total of XXXX $ were taken without me being there or my permission. 

I called that same day to file a dispute. They cancelled my credit card that was used. I still had this card in my possession so I know they copied my card and used it at the atm. 

They sent me an email on Sunday XX/XX/XXXX saying that they closed the investigation and no credit or money would be refunded back to me, if I had anymore information they would gladly reopen the case. 

I called them today XX/XX/XXXX, and asked to reopen the investigation. I sent them an email and they got to be back shortly after saying the same thing that they couldnt refund me.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022, my wallet was stolen while I was at an ice cream shop at the corner of XXXX and XXXX XXXX in XXXX, New York. Within an hour I noticed that two unauthorized charges to the tune of {$400.00} had been made to my account. I immediately reported it to my bank, TD, who told me to file a police report. I filed the police report within an hour of being off the phone with TD. 

On XX/XX/XXXX, I went to a TD branch to obtain a new debit card and also informed them about my issue. I told them about the steps I undertook to correct the issue, and they said it should be resolved without issue. 

On XX/XX/XXXX, the dispute was denied, stating that " the card was not utilized under after you notified us to close the card '', which is patently incorrect - The {$400.00} of unauthorized charges shows that. I called TD as soon as I received this letter on XX/XX/XXXX, to which no one would help me further other than to re-file the report. The fact that I followed all of the bank 's steps and am still out {$400.00} is ridiculous and shows they took no effort to investigate the claim.
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I purchased a coat from XXXX in XXXX. I received the coat in early XXXX, the coat was not what I ordered, it didn't fit correctly, so I packaged it back up, took to Post Office and sent it back. I called a week later to see if they received back, and they verified with me the coat was received back by them. I started receiving a bill for payment and after enormous phone calls to rectify the issue with comenity bank and XXXX, I discovered my account was in collections. I had already closed my account. I AM NOT PAYING THEM FOR A PURCHASE THAT WAS RETURNED.!!!
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

To whom it may concern : Back in XXXX XXXX to XXXX reached out to me to help with my mortgage, after doing research recently with the XXXX it looks like XXXX XXXX XXXX is contracted and works with Ocwen to contact homeowners. This is illegal because XXXX to XXXX contacted me at my place of employment and I did not hand over my work contact information. 

In any event I went through the steps with them and singed over authority to contact Ocwen to receive access to my file. I provided XXXX to XXXX the necessary information and was informed by them that yes my monthly expenses should be looked at when under a review for a loan modification. All in all the modification that came back was unacceptable. The mortgage payment should be lower with P+I+ taxes.and within 31 % of my monthly income. Whatever they have to do the principal needs to be reduced to go along with the homes current value. I tried to appeal this with XXXX to XXXX and they refused to go back to Ocwen telling me I received the best modification going. REALLY for who, XXXX XXXX?? 

Because of this and getting XXXX to XXXX involved they took it upon themselves to turn around and deny the modification on my behalf which I did not authorize XXXX to XXXX to do,. I requested XXXX to XXXX to go back and negotiate a lower payment for me which they did not obviously at a rate of {$2900.00} payable to XXXX to XXXX. 

Now I received documents from Ocwen stating that there are NO MORE modifications available for my mortgage. Grant it I have been fighting for the past 9 years with Ocwen and in XXXX XXXX this year the CFPB finally sued Ocwen and it was settled over the summer and I have yet to receive information about this law suit. 

ESPECIALLY WHEN THE LAW SUIT CONCERNED FAMILY MEMEBERS INHEIRTING HOMES AND MORTGAGES FROM ESTATES WHICH I HAVE AND OCWEN SHOULD BE ASSISTING HOMEOWNERS AND OCWEN IS NOT DOING THIS.