davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I was on PHH Mortgage website making a payment & at the bottom it stated " HAVING TROUBLE PAYING YOUR MORTGAGE? You may be eligible for a mortgage assistance program that helps reduce your payment. Learn More about your options or get started at our Homeowner Assistance partner 's website. '' Things were getting a little tight for me so I applied for financial assistance with PHH Mortgage Services back in XX/XX/XXXX. I was finally approved in XX/XX/XXXX with trial period payments for 4 months ending in XX/XX/XXXX. I made my payments faithfully but when my trial period was up, XXXX was not done with the final modification. I continued to make payments as I was told until the modification agreement was final. I received the final modification agreement in XX/XX/XXXX which included a balloon payment of {$17000.00}, {$41000.00} principal payment & an extended term of 480 months. That was more than I started with the original loan. I kindly declined the modification agreement terms on XX/XX/XXXX & asked could they refinance with different terms. But my trial period was over & it too late to try & find another mortgage company so in the meantime my credit was ruined. PHH Mortgage services called me demanding {$2000.00} of delinquent payments that I was behind on. I mailed {$660.00} check on XX/XX/XXXX & was told by the agent that they would not accept that payment. I couldn't afford to send them a payment of {$2000.00}. That was the reason why I contacted them in the first place was for financial assistance, not knowing I would destroy my credit & by me declining the offer ; didn't give me time to apply anywhere else. Each time they call, they are constantly saying I missed a payment, which I had not because my payments were automatically drafted before I entered the trial loan modification agreement. I paid faithfully for 15 years, on time payments. My credit score was XXXX at the time & now it has plummeted with a negative impact on my credit history. Not once did they inform me that if I decline the offer, that they would demand full payment nor was it indicated on the modification agreement. FAST FORWARD TO NOW : I was subsequently sent a notice with intent to foreclose. I had to contact my retirement company for a hardship withdrawal to pay the arrearage which was {$3300.00} which I paid on XX/XX/XXXX. My credit score suffered & I can not find another mortgage company to refinance due to my low credit score. Also I received a letter in the mail that XXXX would take over servicing for PHH Mortgage of my loan starting XX/XX/XXXX. This complaint is so the next person could be completely aware & informed when they enter a trial period with this company with intent to modify, that it would definitely ruin there credit & any means of refinancing if they are not in agreement with the modification terms.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank ( Mastercard ) sent me a letter closing my account stating it was closed due to non-activity. They did not send a warning letter or call to inform me this would take place. I have been a customer with flawless payment history since 1990, 30 years. As a consumer I feel my rights have been violated and action should be placed against Citi Bank. I feel this is due to my age. I tried to call and have the card re-instated, but they would not due so unless I re-applied for a new card are pull my credit. I feel I have done nothing wrong and being treated unfairly. As a result my Credit Score has declined by their actions. I should have been given a warning prior to closing my account. I have received warning letters from other Companies like XXXX XXXX. This tells me this practice of closing accounts without warning is not industry standard. I want this addressed.
Consumer complaint received 2020-08-31
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. (TN)

I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - Experian, XXXX   and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and Experian is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from Experian but have not heard from XXXX and XXXX.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Ive tried contacted the original creditor in regards to the debt. The phone number has been disconnected and they have not provided an updated contact number. I was finally able to get a contact number and they told me the account was collections. I called today XXXX Monday, XX/XX/2020 at XXXX ) and the call was being recorded. I spoke with a representative that said the balance given to them was {$51.00} I was told the original balance was {$50.00} and explained to her I could pay the {$50.00} after going back and forth. The call was being recorded and she told me that if I paid the {$51.00} the balance would be paid in full. I refused to pay and called the original creditors back for the exact amount in which they informed me of the {$51.00}. I called back at XXXX and the same representative answered the phone and I asked to speak with a manager. She  transferred the call to ( XXXX ) who claimed to be a manager. She then stated she was refusing to accept the {$51.00} as a paid in full balance. I told her the representative prior to her had given me the amount of {$51.00} to be paid in full. She declined and refused to hear me out. I told her the calls were being recorded and that I wanted someone of higher authority to listen to the recording of the previous conversation. She said she had been there the whole time rang both conversations and she knew what her representative had said. She said she was the highest form of authority and to call back in 5 minutes so she could listen. I called back at XXXX and XXXX got on the line Claiming to have listened she said that the representative had only told me the amount of {$51.00} to tell me whats as sent to them. I would like for someone to get a copy of the recorded conversations as proof of the conversation. I know what I was told and she refused to let me hear the recording. Over a recorded call I paid the balance of {$51.00} in which I told would bring the balance to paid in full via phone with my credit card. Authorizing only the amount of {$51.00} to be deducted from my account through a one time payment.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (TX)

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL XXXX CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Consumer complaint received 2020-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EOS Holdings, Inc. (NY)

I have submitted several request for debt validation to EOS CCA, XXXX XXXX & XXXX XXXX XXXX who are reporting negatively on my credit report and they have failed to provide any proof of my debt. 
They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.
Consumer complaint received 2020-08-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. AR  CHILD SUPPORT ENF XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} AR CHILD SUPPORT ENF XXXX {$7100.00}
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

My credit score was decreased from a XXXX to a XXXX on XX/XX/XXXX. It dropped 81 points with no explanation or activity. I am requesting an investigation on why my credit score dropped 81 points with no activity. Attached is the report.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NY)

Already made complaint and will attach documentation for reference. Recd an email to see if i need help paying the bill that was fraud and was told it was being removed from my credit and inquiry removed etc.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

1. Tranfered {$4500.00} to TransferWise for an international bank transfer ( XX/XX/2020 ) 2. Transfer was cancelled by TransferWise due to missing information. They issued a refund XXXX XX/XX/2020 XXXX 3. I never received the refund and reached out to their customer service XXXX mid XXXX XXXX 4. TransferWise claims to have transfered the money to an account ending in XXXX which is not my account. They refunded the money to an incorrect account. They try to get the money back from this account. In a later statement they claim to have refunded the money to the correct acccount, see transfer receipt. XXXX XXXX of XXXX XXXX 5. TransferWise puts a trace on the money XXXX XX/XX/2020 XXXX 6. I reach out again. They are still waiting for the money to bounce back XXXX XX/XX/2020 XXXX 7. TransferWise asks for payment information and I provide a bank statement ( XX/XX/2020 ) 8. TransferWise asks for a newer bank statement which I also provide XXXX XX/XX/2020 XXXX 9. TransferWise recalls the money from wherever they transfered it to ( XX/XX/2020 ). 
10. I gave TransferWise 5 days to get me my money back before contacting the ombudsman. As of today, XX/XX/2020 I still did not get the money back.
Consumer complaint received 2020-08-31
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. (MA)

A collection company added a collection item to my credit report XX/XX/XXXX with XXXX balance due and continues to report XXXX balance due each month. The company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX The original creditor was XXXX  XXXX The original balance due XXXX XXXX was {$340.00}. This amount was claimed on my partition for Chapter XXXX bankruptcy filed on XX/XX/XXXX and granted on XX/XX/XXXX. 

XXXX opened a Collection claim two after my Chapter XXXX was granted.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I contacted XXXX XXXX in XXXX XXXX to update my Equifax credit file because the loan balance was incorrect and they did not update the payment history since last XX/XX/XXXX. On XXXX XXXX, I got an alert saying that the account was updated, but they showed I was 30-59 days late for the month of XXXX. That is incorrect. I have never paid late on the loan. Every payment was made before the end of the grace period. I was never charged a late fee. Nothing. But yet, when they updated my Equifax credit file on XX/XX/XXXX, it was showing only payment history for XXXX and with XXXX late. There was no payment history for XXXX, even though I got the loan in/or around XX/XX/XXXX. It is reporting correctly on XXXX and XXXX. The loan has never reported correctly on Equifax. It was initially duplicated when XXXX XXXX became a bank. It took me months of disputing with both Equifax and the company directly to get one removed from my credit file. As a result of this error, my credit score XXXX points yesterday. I went from XXXX to XXXX. This is disgraceful on every level possible.
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-09-16
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. (MI)

On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding the collection account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding this account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On Equifax this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on XXXX this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.
Consumer complaint received 2020-08-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (AL)

In the Fall of XXXX, I obtained a loan from OneMain Financial located in XXXX, Alabama for around {$3500.00}. In the process of getting the loan, i set up monthly payment to be withdrawn from my bank account. 
I refinanced the loan, at the request of the OneMain Financial reps in XX/XX/XXXX. Things were going great until XXXX XXXX. This is when OneMain Financial quit taking the money out of my account. I never noticed this because it was my account i was using just for them. I was told that they would just take the money out of the account on a regular basis. 

I started receiving phone calls from them in late XXXX, about the account. 
What worried me is that when the people from the XXXX office would call, they were rude and disrespectful. XXXX from that office called me 5 times within a 3 minute time span. When i finally answered, i explained to her that it was illegal to call me so many times and I could would. XXXX explained to me that she could call me when ever she wanted, how many times she wanted. The people from that office started calling my phone and hanging up in my face when i would answer the phone. 

I want my debt dismissed because i have tried paying them but they are relentless.
Consumer complaint received 2022-10-22
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: TD BANK US HOLDING COMPANY (CA)

On XXXX, I received a hard hit inquiry notification on my XXXX Credit Report. The inquiry came from TD BankXXXX XXXX XXXX 
TD Bank opened an account in my name and address for someone wo purchased XXXX separate items from XXXX. I never authorized TD Bank to pull my credit nor was it I who opened the account. TD Bank authorized a credit limit of {$4500.00} in which {$4000.00} was used to purchase XXXX separate items from XXXX. I called XXXX that same day ( after I saw XXXX emails about confirmed XXXX purchases ). 
XXXX is in the process ( with XXXX  ) of stopping the deliveries to my address. The Rep from XXXX gave me a phone number and email address of a person of interest. Even though the account has my name and home address and email address, it also has another phone number and email address as well. I called all XXXX Credit Bureaus today and put a FREEZE and SECURITY ALERT in my file. They also suggest I take this step to further stop the criminal and any further damage.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XXXX of 2024 I haven't been able to view my credit report online this problem has been going on for 9 months and I keep contacting Transunion and no one knows what's going on. I want to be able to view my credit report online at my convenience and for some reason Transunion is not allowing me to view my credit report. I tried pulling my transunion report through annual credit report. com and I also cant see my transunion credit report on their website. Please fix this issue asap as I need to view my profile online!