davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

Im writing to appeal your decision to deny my loan modification application submitted on XX/XX/23, when you claim to have been willing to reverse the decision to cancel and accept payment by XX/XX/23 but failed to communicate this to me in writing. No one told me about this offer when I returned the call from XX/XX/23 and instead was told I had to submit a new application which I did on that very day ( XX/XX/23 ). 

I was just APPROVED 60 days prior for the modification and in those 60 days, I sent in the first payment, which got accepted. I sent in the second payment, it initially got accepted and then returned back to me, for a reason which was not explained. I spoke with PHH and they never told me to resubmit the payment by XX/XX/23. Which I would have done because I already sent in the payment. 

What is going on is not right. Ive been fighting to keep this house and I finally got approved for the loan mod, please reconsider. 

I only found out about your offer to reverse the cancellation after I checked with the complaint I filed with the CFPB. Unfortunately after XX/XX/23. 

Your current reason for denial is now related to XXXX which is inaccurate based on the condition of the house. Due to the condition of the house, this home is not worth {$680000.00}. See the listing of comps ( attached ). Which I believe PHH said that is {$14000.00} over what the loan mod would be approved, which is wrong because I was just approved 60 days ago. 

This home has been in my family for 49 years and represents XXXX generational wealth and I would very much like to keep it in the family. 

I appreciate your reconsideration of the reversal of the current denial especially in light of the situation that caused it on your end. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

Bloomingdales charge a {$300.00} aCH payment to my XXXX  XXXX XXXX account. I tried contacting XXXX  XXXX XXXX and Bloomingdales and received no help. Theyre stating it takes 2 to 3 months to resolve the issue. I have other payments due that will be late because I do not have the funds. The funds were stolen from me.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd. (IL)

Phillips & Cohen Associates , Ltd. is a debt collector. Is attempting to collect debt I do not own for XXXXXXXX XXXX  I been disputing with XXXX XXXX  for a year now they dont want to delete this and keep selling the information to different collections agencys the amount they want is XXXX $
Consumer complaint received 2022-12-19
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)

FCRA Violation: credit card not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: Student loans never late
DEPT OF ED / XXXX
DEPT OF ED / XXXX

FCRA Violation: students loan not mine
US DEPARTMENT OF EDU
Reported: XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX

FCRA Violation:  collections not mine
XXXX XXXX
Reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Reported: XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from TranUnion and XXXX. I did get credit report from XXXX. I submitted copy of XXXX # along with XXXX XXXX XXXX and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. TransUnion stated over the phone that my credit report comes up on their system under a social security # and the number that TransUnion has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information transUnion is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX XXXX Date of inquiry : XX/XX/2023XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-11-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This is to complain about my credit scores submitted by Comenity Bank or Bread Financial to XXXX, XXXX and XXXX credit scoring companies. I was alarmed today because upon checking my XXXX XXXX account, I have 3 months of unpaid bills from Victoria Secret. This bill amount to XXXX XXXX dollars from my original credit of {$58.00} something XXXX dollars. The rest were their charges from unpaid monthly bills. But I believe this is not right because the reason why I couldnt pay it is because they made it hard or impossible for me to pay it. And back in XXXX or XX/XX/2023 when I first attempted to verify using the VS ( Victoria Secret ) app, I could not access my account. Its locked or it is closed. Then I tried calling customer service to address the problem, it did not allow me to talk to a live person, it just informed me that my account was closed by the bank and that I could not proceed further. I did go on with my days, and I believe I attempted the app and the phone customer service XXXX or 3 times until I just give up or maybe I though, oh well. The account is closed maybe I dont owe anything anymore. Until today, when I checked my email, among all my tons of mail, one caught my eye and it was emailed to me 2 days ago from Victoria Secret. It caught my eye because it wasnt a marketing offer. It says that it needed attention so I opened it. It was account an attempt to collect all of a sudden XXXX dollars. So I got shocked. Did I get hacked? I didnt make any such purchase from VS. So I attempted again to log on to my account, change pass and all, as the account was locked already due to several attempts. And for some reason it finally allowed me to access and there it was, amount due XXXX USD. Anyway, I have complained this already to CFPB complained number XXXX and this new complaint is in connected with my prior complaint because my credit scores were greatly affected. My XXXX score went down from XXXX to XXXX, my XXXX score went down XXXX to XXXX and my XXXX Score went down from XXXX to XXXX. Not because I did not want to pay or did not attempt to pay what was due but because their payment system was blocking me from paying them.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: EQUIFAX, INC. (MS)

After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amount.
Consumer complaint received 2023-07-14
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. (MI)

My credit card with XXXX XXXX  XXXX was set on auto pay and I never received any notice from XXXX XXXX  XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.
Consumer complaint received 2024-04-10
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. (PA)

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 2023-04-26
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. (NY)

I submitted several disputes about the same issue. I sent disputes XX/XX/2023, XX/XX/2023. I either receive no response or the error isnt fixed. This is so frustrating, theyre are violating my rights and reporting inaccurate and unverified information.
Consumer complaint received 2023-07-14
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. (AL)

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 USC 1681.

The letters are stated with items and issues.

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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

In XXXX I filed a dispute for charges that were not authorized. 

Chime immediately denied my claim. 

I filed a rebuttal claim and was told by a supervisor that he had no idea why my claim was denied and that he was resubmitting the claim to have a provisional credit released to my account. I waited over a week and nothing was credited. I then asked for proof as to why my claim was denied and Chime sent me in circles via email for weeks with no resolution to my rebuttal claim.
Consumer complaint received 2023-07-14
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. (MD)

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 USC 1681. 

Account name, XXXX, # XXXX ; Account Name, XXXX OF XXXX, # XXXX ; Account XXXX XXXX XXXX XXXX XXXX # XXXX ; Account name, XXXX  XXXX # XXXX ; XXXX  XXXX XXXX XXXX. 

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

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish my a account without my written instruction.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I bought an extended warranty for a tv at Best Buy for {$170.00} using a store credit card. I was told by the sales person, this was for 2 years of protection on the tv. When I read the email after making the purchase, its actually a membership to My Best Buy Total membership, which is an annual membership that costs {$170.00} per year and automatically renews each year. I found this very dishonest on only really getting 1 year warranty for {$170.00}, and its a membership program not an extended warranty service.
Consumer complaint received 2023-02-18
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Not company who ever over credit score my credit score drop XXXX XXXX  over 2 % change to my credit card this must be computer error in pass I use more than that and it never drop XXXX XXXX who do I talk to about credit scores
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquiries are fraudulent and not authorized by me, and please remove these unauthorized inquiries on my credit report. 
In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/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 2023-10-21
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: Navient Solutions, LLC. (NY)

Navient has failed to send out consistent payment reminders. They claim that they did their due diligence to reach out but I do not receive any correspondence. They claim to have sent out letters but we do not receive written correspondence. They have different emails on file and none of them are correct. They also call from unknown numbers that are marked as spam and do not leave any voicemails, therefore I never know who is calling me and for what reason. They also have it documented that they do not leave voicemails when I call and I have been told in the past that they are not permitted to do so. 

My credit score, and the credit score of my co-signer, has dropped significantly due to Navient reporting late payments. But I am unsure how they expect payments to be made if they are not sending out notices to the proper sources of contact and are not leaving any sort of voicemail correspondence. We spoke with them as of Wednesday, XX/XX/XXXX, and they have claimed that they did their due diligence to reach out but this is highly inaccurate as every ounce of information is wrong. 

In addition, an agent from one of the calls made on Wednesday offered to send information via email to file a dispute through a credit union. It is now Saturday and that email has still not been received. I called twice Thursday to follow up. Thursday morning at XXXX XXXX I was told that they will be sending it to an email that should not be on file - I asked them to change the email and they said that would be a XXXXXXXX XXXX process to change it and then another XXXXXXXX XXXX to send out the email with dispute information. I said to leave the email as is so I could just get the dispute information. I called again on Thursday at XXXXXXXX XXXX  as information still has not been received. I was told that this was due to not being signed up for email notices ( no one mentioned this to me in the last two calls ) and that they would set that specific email up for it. I was supposed to receive an email within a half hour from that call confirming some setting changes and then the dispute email in another XXXXXXXX XXXX. It is Saturday morning and I still have not received that information. I will be calling again Monday morning as soon as they are available and will have to call every XXXXXXXX XXXX if the email isnt received.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FC HoldCo LLC (TX)

i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (TX)

i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email