davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I entered into a Forbearance program under the CARES Act with The XXXX XXXX XXXX  in XX/XX/XXXX. My Forbearance extension was approved in XX/XX/XXXX through XX/XX/XXXX, with regular monthly payments scheduled to resume in XX/XX/XXXX. On XXXX XXXX XXXX  my loan was transferred to PHH mortgage. I contacted PHH Mortgage on XXXX XXXX XXXX to confirm my loan was still under the Forbearance program and the representative I spoke to confirmed the terms of my forbearance did not change upon transfer. In XXXX XXXX I received a loan modification letter from PHH that changed the agreement and the terms I had with The XXXX XXXXXXXX XXXX  my previous servicer. The letter I received from PHH mortgage required payment due a month earlier and extended my term from 30 years to 40 years with no alternate options for exiting the forbearance program under the CARES Act. I contacted PHH mortgage in XXXX XXXX to ask that they honor the forbearance agreement I had with my previous servicer prior to loan transfer. PHH requested documentation confirming I was on a forbearance program at the time the loan was transferred and advised if I didn't go along with the agreement they would kick me out of the " trial modification ''. In fear of what would happen if I didn't follow their request, I made my XXXX payment. On XX/XX/XXXX I received an email from The XXXX XXXXXXXX XXXX indicating with the transfer of my loan I was removed from forbearance unbeknownst to me.I received a second letter with conflicting information on XXXX XXXX XXXX from PHH mortgage. This letter verified as of XX/XX/XXXX I was on an approved forbearance agreement that was cancelled due to an incomplete application that was submitted 16 months prior. I was never notified the application I submitted 16 months prior was incomplete. On XX/XX/XXXX I attempted to make my regular monthly minimum payment with PHH mortgage and they will only accept a payment of $ XXXX. As of XX/XX/XXXX I was told I have to make an appointment with my Relationship Manager to discuss further options, however the soonest appointment he has available is XXXX XXXX XXXX As of XXXX XXXX XXXX  I received another letter from PHH indicating the only option I have is to short sale my home. I feel I am being discriminated against and being bullied into losing my home. When I entered into forbearance in XX/XX/XXXX I was told I would have three options upon exiting forbearance to keep my loan in good standing. PHH never presented me with those options. Please investigate the unfair, deceptive and bullying business practices conducted by PHH Mortgage and The XXXX XXXXXXXX XXXX  as they are in direct violation of RESPA.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I have had a care credit credit card since XX/XX/XXXX. I have paid this card off on more than 3 times meaning the entire balance. I paid the balance in full in XX/XX/XXXX. I received a letter today XX/XX/XXXX stating that my account has been closed due to a periodic credit report being pulled in XX/XX/XXXX that they dont feel Im credit worthy! And also that EVEN though the credit report is old it is their OPINION it wont change. I called the creditor and was placed on hold for a supervisor for greater than 10 minutes without anyone getting back on the phone. I am a XXXX American woman and I feel that my zip code and other identifiable information was obtained and used against me. The csr XXXX could not give me a legitimate reason as to why my account was closed but did tell me I could reapply if I liked to. Which is ridiculous because if my credit is to poor to keep an already greater than 2 years established account open why would I reapply. The website and company also states that there are programs and help for people struggling from the pandemic but that was never offered to me! This company closing my account is negatively affecting my credit and its unfair especially being that the card is not in default well wasnt in default it actually had a zero balance. I have 2 other credit cards with this company and the wayfair account was closed without proper notice or a reason why. I am very hurt and disgusted right now because this is just like redlining but with credit cards. I am a XXXX XXXX  and I have dedicated the last 25 years of my life to help people and to still be treated like a second classed citizen is still troubling.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during XXXX. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say XXXX twice and on XXXX months has no reporting. So it is inaccurate.
Consumer complaint received 2023-01-14
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-22
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: AMERICAN EXPRESS COMPANY (IN)

Around the end of XX/XX/2019 I was making a payment on my Amex account. After the fact, i thought something looked out of place. There was someone elses bank account in the field to pull the payment from. I called, they deleted that bank account and I verified, then made my payment thinking everything was resolved. Fast forward to XX/XX/2019 I Come to find out yet again the 3 payments ive made since XXXX again came out of this other persons bank account. I contacted AMEX and told them I suspect a faulty backup/restore process or a data breach ( i have been in info sec for 20 years ). After XXXX weeks they finally returned the money to the other person 's bank ( After a privacy breach telling me this person name ) and are demanding the money I attempted to pay ( XXXX payments ) NOW. Then they accuse me of illegally using someone elses bank account to make payments. I only see the last four numbers, i have NO way of knowing this full bank account number. They refuse to follow through and find out how or why this has happened or to take accountability for these payments that I did attempt to make but they withdrew from someone elses account. I have spent 10-14 hours on the phone with Amex over this and need help.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Consumer complaint received 2023-01-10
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX 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 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
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Hello my name is XXXX XXXX. I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. My personal non public information was shared by XXXX, Experian, and XXXX, without my full disclosure or written consent. My personal right to privacy has been abused and violated under the Gramm Leach Bliley act of 1999. These violations have compromise my non public personal information and resulted in my identity theft. I demand all accounts listed below be removed in next 6 business days as stated under lawXXXX 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
Consumer complaint received 2019-05-22
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 — Was not notified of investigation status or results
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I have tried on several occasions to dispute the accuracy of this account with the credit reporting agencies XXXX, XXXX and XXXX. Over the past couple years I have requested written documentation of the findings outcome to support what is being reported on my credit report. They only information I have received is that my dispute was reviewed and the findings were accurate. 

Please provide written detail support on the reported findings.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (PA)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX dba XXXX, XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2019-05-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC (FL)

I had a repo 10 years ago, which my credit was affected deeply by this but I had been laid off from my job at the time. This stayed on my credit for over 7 years. Now they sent legal notice to my employer to garnish my pay which has been for over a month now so Im being re-punished again which I understand Im hardly making ends meet but again I understand its a debt I must face. The major problem is the company has called several branches of my employer in a very rude and nasty form as if everyone who answers the phone is me threatening them and telling them my personal business. My employer is sort of a franchise partner of the company and they call on a daily basis through out the day and threatening them all the time in regards to my debt with them. My boss is getting called and complaining that they are calling all over the state of Florida in regards to one of his employees. Quite frankly its very embarrassing not only for me, but for those that are being threatened on my behalf. The company is Reliant Capital and their representative is XXXX XXXX.
Consumer complaint received 2022-10-18
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. (NC)

Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (AZ)

I bank with Western Bank. I was told that if I wanted to get a credit card I would have to apply on their website NOT in person. 

When I logged on to their website and clicked on apply for credit card I was redirected to Elan Financial Services ( third party which issues cred cards for this bank ). 

On XX/XX/year> I chose the card ( out of all options available which best suited the purpose which was to transfer balance. I filled out and submitted application for a new credit card on XX/XX/scrub>XXXX XXXX XXXX In the application it clearly asked me for a balance amount I intended to transfer on to the new card. I stated {$10000.00}. 
After I had submitted my application, the card was approved with the potential balance transfer amount of {$600.00} NOT {$10000.00} as I requested. I immediately called Elan Financial Services. It took them 2 hours to transfer me to appropriate department. After I was transferred to the team member who process applications, i explained the situation and said that the whole purpose of me applying for this card was to transfer balance ( otherwise I dont need that card ). Elan financial ended up running a hard inquiry on my credit and assigning to me a product that I have not applied for. 

To remediate the problem, I requested for the balance amount to be increased as per my application which I had submitted. Request was denied and the agent said that they would have to run a hard inquiry again and further damage my credit score and basically treat it as a brand new application. 
To remediate further, I asked for my application to be reviewed by a human and take appropriate steps to resolve the problem which was created by an automated system that processes credit card applications. My request was denied again and I was told basically, that this is my problem and Eilan Financial cant help me. Automated decision has been made, even though the company processed my application and had made an error they were not going to redress it. I was told there is no way to appeal that decision and now I am stuck with a credit card I dont need ( since I cant transfer a balance ) and my credit score is damaged.
Consumer complaint received 2022-04-16
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. (NC)

I have sent multiple letters to equifax, as well as filed several complaints now through CFPB in reference to incorrect information being reported on my report. Each time I have received a generic responses from Equifax with no resolve. Furthermore Equifax has refused to reinvestigate the incorrect information in my report. There was charge off on my XXXX  XXXX XXXX XXXX  account. The date of first delinquency on this account reflective in the screenshots I have provided in this complaint was XX/XX/XXXX. The account has been reaged on several occasions, due to them reporting a CO on several occasions after it first occurred which is illegal. Once this account became a charge off it became a dead account, and should not have been reported every month thereafter as a charge off or reflect late payments because it manipulates the statute of limitations. After notifying Equifax in writing that they were violating the law they updated the report so that the CO isnt reflective to appear that they are reporting accurate information but they are not. They have without a doubt manipulated the statute of limitation on this account. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should NOT be on credit report AT ALL. It is the bureaus responsibility to report accurate information.
Consumer complaint received 2021-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (AZ)

XX/XX/XXXX : Vehicle accident in XXXX XXXX AZ. XXXX XXXX XXXX. 
XXXX XXXX XXXX declared total loss and negotiated with Ally Financial Inc . 
XX/XX/XXXX : Ally sent Letter of Guarantee to XXXX XXXX stated net payoff amount of {$15000.00}. 
XX/XX/XXXX : XXXX XXXX mailed check in amount of {$15000.00} to Ally. The check was cashed by Ally. 
XX/XX/XXXX : Ally Financial Inc. deducted {$390.00} from my checking account after payoff settled. 
I telephoned Ally and XXXX to no avail. I requested a refund of {$390.00} that I believe was taken after the fact and is wrong.