davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I represent XXXX XXXX in a reverse mortgage foreclosure case based upon an alleged property charges default. XXXX XXXX sought a repayment agreement to repay the approximately {$6000.00} due. She submitted her repayment plan application to PHH Mortgage in XXXX, 2022. 

I have constantly and consistently asked for a status update on the application every week or two since XXXX, 2022. The only response I receive from PHH 's counsel is " I will check with my client. '' At one point they said they needed an occupancy certificate. They already had a signed copy of a current occupancy certificate. I have proof of delivery. We sent another one anyway. Still no response. 

I can not fathom that it would take them 6 months to make a decision. PHH has had and still has the documents requested from XXXX XXXX. If PHH does not have all of the documents needed, it should at least inform XXXX XXXX what it is missing. The complete lack of communication is troubling. 

I have escalated the case to HUD with no resolution after several months. 

We are now approaching trial for the second time, and PHH still has not responded to any of my inquiries about a repayment decision after having the application for 6 months. 

XXXX XXXX clearly has sufficient income and despite her age and physical difficulties took on a part time job at XXXX XXXX XXXX to repay any delinquency. She has also completed her application for XXXX funds. 

I fear for the second time that it is dragging this out past the trial date so it can cause XXXX XXXX the loss of her home without providing her with the repayment option. Alternatively, the closer we get to the trial date the more XXXX XXXX will feel obligated to take whatever PHH offers, even if problematic under the threat of the loss of her home with the impending foreclosure.
Consumer complaint received 2022-11-29
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. (LA)

please remove fraudulent / unauthorized inquiries from XXXX XXXXXXXX XXXX on XX/XX/2022 and XX/XX/2022 or provide proof in writing within 30 days.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third attempt to resolve this issue through CFPB. The company in question is stating that I am using a third party to resolve this issue. This is me trying over and over again to get this problem fixed. I am not using a credit repair company I have just done my research. I wanted TransUnion to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to do so. I have also attached the letter that I sent them.
Consumer complaint received 2022-05-01
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: NAVY FEDERAL CREDIT UNION (FL)

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/2018. NFCU placed a late charge on my account because they claimed I didn't pay the final payment in full, which is utterly ridiculous. Why would pay on time for 35 months and not pay on time the last month due in the amount I had on my schedule to pay? But no one bothered to contact me to let me know the last payment had increased for some odd reason. I have tried to correct this for the past 3.5 years. Their was an error in their system that caused my account to increase verses decrease in the amount of the due amount I reportedly submitted. To no avail they refuse to reverse the error and again recently when I filed through XXXX and XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Consumer complaint received 2022-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

The company extended me a line of credit/ credit card ( with no card ). About a year later, they added a security verification. I had to upload my social security card and id. The problem is that the app will not accept the social security card or id. I have tried to contact the company who does the verifications and grain. They have no phone service, only email service and it takes them months to respond. So now, I can no longer log into the app to pay my bill or use the line of credit. This has caused unwanted interest to accrue and impacted my credit score since I can not pay my bill down. 

I filed a complaint with the XXXX XXXX XXXX. This prompted Grain to respond to my emails once and never again. If you go to the reviews of the app on the XXXX app store they are terrible. They also have the same complaints on social media. I can not log into the website to use the app or access my account.
Consumer complaint received 2022-10-21
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. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-05-14
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: JPMORGAN CHASE & CO. (TX)

I ordered a computer Graphics card ( {$1500.00} was the total after tax JUST for the graphics card itself. ) along with other miscellaneous technology items through XXXX with my Chase Freedom Unlimited Credit Card and I was suppose to receive an amount of 3 bundled items in one consolidated package. Upon receipt, the  packaging did not contain the computer graphics cards but it did contain the other items. I tried contacting XXXX in trying to resolve this issue, they first wanted a police report and some time for investigation. I supplied them with the requested document, After 15 days I was told that my claim was denied and that no further action was going to be taken. Next I went ahead and tried to open a dispute through Chase.com about the issue I had, they had overlooked my dispute several times with my explanation to them as they wanted a personal email stating explicitly what my issue was. This is what i had sent them, " I want to CONFIRM that I want to continue the dispute. 

The Merchant made a charge to my card in the amount of {$1500.00} for three items in one package. The items listed were a XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX and a quantity of ( 3 ) XXXX XXXX. I am disputing because I did NOT receive the Graphics card that has a retail price of {$1400.00} ( before tax ) at the time of the dispute. Upon receipt of the actual package, I noticed I did not receive the graphics card that was suppose to be included. I contacted the merchant to assist me with my issue. At first they wanted me to file a police report, which I did in a timely manner. Later they said they denied my claim and will not take any further action. I still tried resolving it with them but they did not bother to assist me at all and prefer to end my calls. '' Many days later, about 20 days or 30 days, I received a letter from Chase in the mail, stating that they have closed the dispute and that Chase will take no further action. I am out of money and am expected by Chase to pay the credit balance owed.
Consumer complaint received 2022-05-01
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: Marlette Funding, LLC (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-05-14
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)

XXXX XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Sometime in XXXX I became aware of a Capital One account had been opened in my name. I honestly can not remember how but I think Capital One contacted me. At the time of the call I thought it was done, account closed. I did ask for verification of the closed account to be mailed to me. I got verification of XXXX accounts being closed in separate envelops. 
The account I was aware of, XXXX XXXX I have no idea what this other account is and couldn't get any additional info from Capital One fraud representative, the other account ended in XXXX. 
Since verification of XXXX accounts being closed I still receive communication from them as if I am a customer. I don't have the date but, I have received a debit card well after the closing of the accounts. I have called each time and they confirm I don't have a account. Today I received a notice about setting up my new 360 checking account ( I am embarrassed to say I can not remember how the message came to me, it had to be by text but I can not find it! ) I went to the website for their phone number and called. Thinking I was still dealing with the first XXXX accounts I inadvertently found another account had been opened in my name, the last XXXX digits are XXXX. I couldn't get any additional info about this account from the Capital One representative except it the information to open the account was done online yesterday, XX/XX/XXXX.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-11-04
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. (GA)

I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2021-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2021 at approximately XXXX XXXX I attempted to settle a debt of {$610.00}. Please note that I do not acknowledge any liability for this debt in any form and I retain my right to request full and complete debt validation from your company. I spoke with a representative by the name/alias of XXXX XXXX. I was informed that I would not be able to settle the debt of {$610.00}. I immediately asked for a supervisor and I was informed that there were no supervisors at that current time to help me and that the debt would not be able to be settled. 

As of XXXX and XX/XX/2021, I have previously made two separate requests for validation ( see attached ) and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claim against me, and that you have no records or evidence to support any claims against me. Once again, it is clear that you have not provided me with any evidence to establish that I owe you any money. 

Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me.
Consumer complaint received 2020-05-14
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: CITIBANK, N.A. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF  PROTECTION AND RIGHTS, THE MACYS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2022-11-04
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 15 U.S.C. 1681 section 602 A States i have the 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 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I 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 XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.