davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Our family was financially impacted by COVID-19 in XXXX and we requested help from PHH Mortgage to reduce our Mortgage payments via a loan modification. The agreement offered by PHH was that if we were offered one, we could not use the CARES act forbearance period. 
We were told it would only take 30 days to process, but they denied the request for a loan modification after almost 60 days of weekly phone calls and back-and-forth emails. 
Once we received that notice, on XX/XX/XXXX we requested the CARES Act Forbearance for our XXXX XXXX-backed mortgage per the terms required by HUD and XXXX XXXX. We were informed it would take 10 days to process our request and come to a decision, however they missed that deadline and say it's under review. They have stated they will not communicate any decision on our request except via standard US mail.

I would like to highlight that they are not allowed to deny this request, and there should not be a 10-day research and review period to do so. Also, this company has dragged their feet at every step of this process and while we understand that they are inundated with requests, something this straight forward should not require that we make four ( XXXX - XXXX, XXXX, XXXX, XXXX - we have no expectation that we will be allowed to forebear until XXXX or XXXX at the earliest ) on time, in-full payments while we are hemorrhaging savings, which is exactly what this delay has caused or it will cause irreparable harm to our credit and per the PHH website they will put us into foreclosure and continue the action after the forbearance period is over. 
They will also only approve 90 days and require us to re-apply at the end of the 90-day period, even though they are REQUIRED by XXXX XXXX to issue it at 180 days. 
We have never missed a payment on our mortgage in 15 years. This is absolutely unacceptable for this unprecedented time.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

Debt was paid. Called multiple times and company has not told me when they will process the Warrant of Satisfaction. Would like them to issue the Warrant of Satisfaction and Release of Lien.

I called and no one has the timefreame information. I have received copied from two other agencies within the same time frame. They are telling me it's related to the courts however, I am requesting a copy of what MCM is sending to the courts. Not the response from the court. What I am requesting comes from MCM, not the courts so there's no real reason for a delay.
Consumer complaint received 2024-12-05
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I was notified of an added account " XXXX ''. I was going to look into and got busy with work. A few days later, I received a notification from XXXX XXXX of a new added account that matched above. I stopped what I was doing and looked into it further. I received on the same day notification from XXXX XXXX of a new added account, " XXXX ''. 

I submitted disputes with XXXX, XXXX and XXXX. Recently I received notification of the results being " ACCURATE ''. 
It showed a phone number of who to contact if I want to continue disputing if I found the results to be incorrect. 

On Saturday, I called XXXX 6 times. 
XXXX time, I input my social and the system couldn't verify my information. 
XXXX times, I was transferred to an automated machine for XXXX XXXX, they couldn't verify my information with the last XXXX digits of my social. 
When I called back Citibank, I requested to not be transferred due to getting an automated machine and not getting a chance to speak with a person because I can't be verified. A representative at Citibank couldn't find my information either besides my XXXX XXXX card. I told the representative that is exactly what I'm trying to dispute that I don't have this Home Depot card and their system can't verify my information so how is this account opened under my name. I was transferred over to the same company Citibank but to a department that opens loans. 

I'm not sure how the disputes were investigated if XXXX XXXX and Citibank 's information can't verify me. I don't have a application number since I never started XXXX with them.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I received an offer from Sam 's club pre-approved open a master card account and receive {$55.00} off your first purchase of {$55.00} or more on this order. My order was {$60.00} my account was approved. It had to be completed on line and I did that. 
I met all of the qualifications> I applied - approved i ordered - on line after approval II spent- on line {$55.00} Where is my {$55.00} credit
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$180.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-29
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. (TX)

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to XXXX XXXX and Experian. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to XXXX XXXX and Experian it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. Experian and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want XXXX XXXX and Experian to remove the fraudulent inquiries from my credit report.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I have attempted on multiple occasions to request information from resurgent/lvnv credit agency about debt verification. I have yet to receive proper documentation on any debts owed to them. I am now requesting that they remove items from my credit report. 

Please see attached documentation below.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PR)

Information not mine. 
XXXXAccount NumberXXXXAccount TypeUnknownTerms1 MonthDate XXXXXX/XX/XXXXXXXX2015Account StatusClosedPayment StatusLatePayment Status DetailsSeriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmentStatus UpdatedXX/XX/XXXXXXXX2015Balance $ XXXXBalance Updated-Credit Limit-Past Due Amount {$100.00}
Consumer complaint received 2022-08-20
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. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Consumer complaint received 2022-08-20
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: CITIBANK, N.A. (NJ)

Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX has on their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXXXXXX XXXX return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. 

I sent in information showing XXXXXXXX XXXX policy is to send me a return label. THey never sent one so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.
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. (IL)

Hi I am submitting this XXXX T 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 719XXXXXXXX  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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections 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 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NY)

Per instructions from automated phone system, in XX/XX/XXXX, I went to the website to complete the hardship form for both my mortgage loans and received " Thank you for your submission '' responses. I waited for mail confirmation that the forbearance was processed. I called on XX/XX/XXXX and learned the automated process was not completed. I also learned a late payment notice was sent to the credit bureaus. I asked the rep if anything showed on my account notes about my filling out the form, he said no. While on the phone with the rep, I attempted 2 more times to fill out the form and received the same thank you response. No notes appeared on the system. There is clearly a break on their end. I waited until the next day to call back to confirm there were still no notes and the automated process did not happen to create the forbearance as was told to me would happen. PHH would not make the  forbearance request retroactive which meant I had to make my XXXX payments ( which I obviously was looking to avoid since I just lost my job ), and I got hit with 30 day late notices on both my mortgages which dropped my credit score 60 points and below XXXX. The work I do requires credit checks and I will not be able to get another job with my current credit score. I may ultimately lose my home with no work all because their automated system did not work. If this happened to me, I'm sure it happened to others who were trying to avoid long wait times on the phone and taking what we thought was an easier route by processing over the phone. This is TERRIBLE service in the middle of a pandemic when people 's livelihoods are already distressed.
Consumer complaint received 2020-06-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$9400.00}, {$7000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 


-- XXXX ACCOUNT 3. XXXX/DEPT OF ED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.
Consumer complaint received 2015-10-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Northland Group Inc (WA)

No notice of debt was ever sent to me regarding a debt dated XX/XX/XXXX. I have also never received a medical bill from the durable medical equipment provider, XXXX XXXX XXXX in XXXX, XXXX I was told that XXXX does the billing for this XXXX provider ( never received a bill from them ) and XXXX third party collections agencies are used. At the time of service, I was dual insured with XXXX XXXX XXXX XXXX XXXX, so there would be zero out of pocket cost. I spoke with the XXXX provider & was referred to XXXX. XXXX informed me that it was turned over to collections XX/XX/XXXX. I never received anything in writing from the XXXX XXXX XXXX XXXX, XXXX ). XXXX claims to have received a " cease & desist '' from me XX/XX/XXXX which I never sent them. I never spoke with anyone or had any contact with this debt collector. On XX/XX/XXXX, the account was turned over to another collection agency, Northland Group XXXX XXXX XXXX, who claims to have sent debt letters to me and has left numerous phone messages. I have not received anything from this collection agency either. I am disputing the claimed debt. Northland Group then closed the account XX/XX/XXXX with " efforts exhausted '' & then reported me to the credit bureaus. I am also complaining about the fraudulent methods that both collection agencies have used. Furthermore, the XXXX provider has provided me equipment every 90 days over the last 2 years and has never told me there is an outstanding balance. The dates of service reported/billed are every 60ish days and I only got XXXX every 90+ days. XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX ), XXXX XXXX XXXX, & their collection agencies all have my correct/current contact information. Now I am being denied medical care and they are the only XXXX that has the medical equipment I require.
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (TX)

My father died XX/XX/XXXX leaving his checking account to me and my XXXX siblings by designating us as equal beneficiaries using a Pay On Death instruction. We all live in different states. It has been a nightmare dealing with this bank. Today, my sister, the executor for my father 's estate, went to the XXXX NC branch to close the account. She had in her possession a certified death certificate. The bank issued a cashier 's check to her in all XXXX of our names. THE CHECK IS USELESS!!! We live in XXXX different states, ca n't get together to sign this useless check so that it can be cashed and the funds disbursed as per my father 's POD. AND SHE WAS TOLD SHE COULD NOT RETURN TO THAT BANK BRANCH TO CASH IT EVEN IF SHE COULD MANAGE TO GET OUR SIGNATURES ON THE CHECK. No bank will take a check made payable to XXXX individuals. So, BB & T, you are still holding our money hostage! The account has been closed and we have a useless cashier 's check that NO BANK will cash. Now we have to hire an attorney to sue your bank to get our money. Is this how you treat your customers? Even though your " customer '' is deceased, we became your customers at the time of my father 's death. What is so hard about closing an account and issuing separate checks to the XXXX named beneficiaries? I 'll probably not hear anything from you in reply to this post. You did n't reply to my first post yesterday either. But I will continue to post my complaints until this gets resolved. You do not do business in an honorable way and I am glad that I do not bank with you.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I had an account with Macy 's which I had for around 10 years. I made a purchase during XXXX of last year, but did not receive a bill. I found out when applying to refinance my house that I owed Macy. I contacted them to complain that I had n't received any bills, they had changed my mailing preference to email, without my permission and without an email on file. They took the late fees off and 4 months ago I paid a small balance in full prior to the due date. The next two months I received bills for {$1.00} each month. I finally paid {$2.00}, when I received the 2nd bill. Then this month I received another bill for {$1.00}. This is ridiculous, the account is supposedly closed, but they are billing me {$1.00} per month.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

In 2011 XXXX XXXX charged off my account. 5 years later Experian suddenly showed it 150 days past due in XXXX. I contacted XXXX XXXX and XXXX to resolve. XXXX XXXX sent me a letter and copied Experian that indeed the account was charged off in XXXX. XXXX XXXX also confirmed with XXXX that this was the case. I have spent numerous hours and phone calls to Experian who refuses to use any letter I have with XXXX XXXX nor the correspondence with XXXX. In XXXX 2011 the account went. To a fresh charge off bringing my score down further. I complained and then in XXXX the 150 days late popped up again bringing my score down a total XXXX points since the event started. Now I 'm in the middle of buying home and it 's impacting my rate AND me even getting a loan. Please help!
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Ongoing issue with HSBC bank regarding payment not posting account. There seem to be six or more credit card services and deposit account banks in the United States. The holding company for them is HSBC Holdings PLC XXXX XXXX XXXX XXXX Floor XXXX, XXXX XXXX XXXX XXXX. I bank certified copies of payments that are in dispute attached. The branch that captured these payments in XXXX, XXXX  seems to have gone out of business. however, the payments never came back to me or applied to the current HSBC credit card.. 

This process has gone on for 16 months and no resolution has been made. My credit score has gone down more than 120 points, I have been denied loans and my business is at a stand still. Credit card companies have lowered the credit availability about {$40000.00}. I was denied a XXXX XXXX  and a XXXX XXXX of {$45000.00}