davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

Hello, In XXXX of 2022 I made a payment over the phone aside from my Autopay monthly payment to Kay Jewelers/Comenity Bank to payoff a promotional balance. The Agent that I spoke with on that day was very kind, and she verified with me that the entire payment was going to the promotional balance and that it would be taken care of in that moment when we made it over the phone. It is reflected in my statement as {$250.00} which was the balance that was due for that would have incurred interest if not paid prior to the end of that month. This was in addition to my {$220.00} that was to be drafted in Autopay which I did not cancel or change. I want to clarify that paid the debt ahead time and have not missed or paid under minimums to be penalized by Kay/Comenity. I got married, moved, and now that I am settled and going over finances I realized that although I did my due diligence to pay ahead of time I am being penalized as if I had not. On Friday XX/XX/XXXX I confirmed with their customer service agent that when I paid over the phone in XXXX, I confirmed that I did not cancel my autopay, and for some reason Kay did not draft that second {$220.00} payment for that month. She confirmed that Kay made an error, and that as of XXXX my promotional rate on my other balance was taken away and have been paying 29.99 %. She confirmed that this should have never happened, but she told me there was nothing she could do other than to forward it to an investigation and that there was near to no possibility of getting this reversed.
Consumer complaint received 2022-04-22
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. (MS)

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

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX  XXXX # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX 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 2023-02-24
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. (TN)

I asked the credit bureaus to do a VERIFICATION of everything on my credit report and they did and also stated that everything was ACCURATE. I further did a research myself and found INACCURACIES on my credit report even after they said they did a FULL RESEARCH. In accordance with the FAIR CREDIT REPORTING ACT, XXXX Account # XXXX, # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, all have violated my consumer rights. 15 U.S.C 1681 602 A states that 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 an account without my written instructions. See attached documentation
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXXXXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXXXXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I noticed some fraudulent activity on my credit report. I reached out to each company listed on my report to inform them that these accounts did not belong to me. I have gotten no cooperation from the credit bureaus in regards to this matter. In fact they erased my entire credit report and my score was a XXXX. I reached back out to the bureaus and I was instructed to submit a picture of my id and my ss card in which I did however these accounts have not been removed. XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX. I am asking for your assistance with getting these negative items deleted.
Consumer complaint received 2019-07-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On or about XX/XX/2019 I contacted my mortgage company Pennymac regarding a cash-out refinance, due to an ad that had been placed in my monthly statement. I was put in contact with XXXX. XXXX, a loan officer with this company ( his NMLS # XXXX ) regarding the possibility of doing the refinance. We live in a condo in XXXX XXXX, CA and I was advised by this agent that our one bedroom unit was being appraised at {$210000.00}, and that in fact a unit identical to ours was just sold for {$220.00}. According to this advice I contacted Mr . XXXX on XX/XX/XXXX and told him that based on this information we would proceed with the application. He advised me that we would have to pay for the appraisal upfront, and that the appraisal I would have to obtain would be {$440.00}, although he had mentioned previously that he could attempt to obtain an appraisal for {$170.00}. That did not happen, and we proceeded to pay Pennymac for what I thought would be an appraisal that would allow us to proceed. Within two days an appraiser was here at our property, accompanied by a lady who was the photographer. After raving about our place he seemed more interested in discussing the problems with his teeth than checking any of the usual items an appraiser would to make sure were in good functional condition.But as soon as I told him I was a health insurance broker his conversation was centered around teeth and the work he needed to have done. His assistant took a lot of pictures, and they left. The next day to my consternation his appraisal did not even come close to what Mr . XXXX had suggested it should be. It came in even lower than what we paid for the property at {$190000.00}. thus killing any opportunity of doing the refinance. I believe this really was a very unfair way to treat a good customer of Pennymac who has always paid his mortgage payments right on time. I feel I was mislead by Mr . XXXX. In trying to contact the company regarding the {$440.00} they had taken from me just two days prior it was nearly impossible to connect to any person. After about two hours of asking for a supervisor or anybody who I could speak with I finally reached a gentleman who promised to contact the people in charge, but not never happened. I wrote Pennymac but they ignored my contact. So now I am submitting his complaint as I feel I was not told the truth, the appraiser they sent was deficient in his obligation of providing a fair appraisal of my property, and as a senior who has to work at age XXXX 6 days a week I have lost a significant amount of money for no good reason. I believe in all fairness I should have been contacted by Pennymac regarding my letter, and that all I heard from Mr . XXXX when I asked if there was any remedy was that he guessed the loan was a dead issue. I believe I have been treated unfairly in this situation and would like my money back. XXXX XXXX
Consumer complaint received 2019-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I received a modification from Ocwen back in XX/XX/XXXX.The modification included monthly incentives which stated that client would receive {$83.00} reduction or the principal balance after each of the first through fifth anniversaries of the month in which the trial period plan is executed. I followed all instructions to receive the {$83.00} reduction and did not fall behind during this time restriction. When I realized that I did not receive the incentive, I contacted XXXX XXXX from HUD which supported me with an mediator to help comply with terms of the modification incentive. I spoke with the mediator over a few months and the mediator spoke with a representative from Ocwen which resulted in suggestion that ( HUD, FHA ) would hold back a payment to get them to comply. Nothing resulted from the situation with HUD or FHA that was trying to help the client with the situation. The next steps that was suggested to me is the UD Treasury and finding out what department handles the modification incentive agreements. I was sent a letter in XXXX from Ocwen stating the funds will be applied but there was no funds applied to my account. I was sent letters to meet with them on several occasions but I did not see the fruitfulness in meeting with them in lieu of payments due. I contacted two State Rep offices to see if I could be assisted with this matter and I was told I need to find out what department handles this matter in the US Treasury. I am now in the pre-foreclosure stage with PHH Mortgage which is now handling Ocwen accounts. I do not want to modify with the fact that the mortgage company owe me money which I haven't received yet. 

Additionally the trial payment lasted for a year which is arduous. I originally had a 9 % interest rate when I received the modification the interest was reduced to 4.5 % for 30 years which I did not want however I was told by a counselor to sign the modification in order for me to save my home. I was not given the option to appeal the decision. I am now applying for a modification and would like to understand why was the modification recorded 3 years later with the incentive documents missing. I have the original modification paperwork in my email which came from XXXX XXXX which is an Ocwen associate. I am attaching my document I received orginally and the document that Ocwen recorded on XX/XX/XXXX with the missing incentive documents missing.
Consumer complaint received 2023-09-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NY)

The company Comenity Bank is making harassing phone calls 7+ phone calls a day which is violating the FDCPA. Some of the calls are coming from blocked numbers at XXXX. 
The photo attached is from XX/XX/2023.
Consumer complaint received 2019-12-11
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: EQUIFAX, INC. (VA)

On XX/XX/19 and XX/XX/19, I disputed inquiries on my credit report through equifax they told me i needed to reach out to all the companies which i did and they could not verify i applied to these places and told me to re contact equifax and they will not remove them. Attached is the copy from my report.
Consumer complaint received 2019-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC (NC)

I submitted a mortgage refinance application on XX/XX/2019. I signed a lock agreement that with a fee of $XXXX for cancellation "Once loan is approved with Conditions and client(s) wish to withdraw". On XX/XX/2019 I asked for withdrawal of my application as I found a better product. I was then notified that the loan was approved on XX/XX/2019 and that I needed to pay a XXXX$ cancellation fee. I am told that the status could be tracked on the loan application portal. However, I have not received any notification of the approval nor have I accepted the "loan approval with conditions". I believe the charges are unfair and I should not be responsible for the failure of the lender to notify me.I look forward to hearing from you. Thank you!
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, XXXX and Experian... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts were opened fraudulently with this creditor and MUST be removed from my credit report : XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00}
Consumer complaint received 2024-02-21
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. (OH)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

Address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not my address. I have never lived there and I am a victim of identity theft.
Consumer complaint received 2024-02-21
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. (MO)

Dear Sir/Maam I am writing to formally request the deletion of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

XXXX XXXX XXXX bank Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the deletion of my credit account information will be completed within the XXXX business days specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws. 

Thank you, so much for your time.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (IL)

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Prestige Financial Auto Apparently someone has my credit information. I am a XXXX  patient and can not drive due to the numerous amount of XXXX XXXX XXXX XXXX XXXX XXXX  this year.

Please remove within 5 business days
Consumer complaint received 2023-02-24
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2024-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc (TN)

I have XXXX negative marks on my credit report from your company I believe the original lender may be medical. I have tried contacting multiple times. I would like an itemized list on what exactly I allegedly received to owe this debt. XXXX of the marks are for the exact same amount. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.Cease any credit bureau reporting until the debt has been validated by me. I am requesting that you allow me to verify the alleged debt. Thank you.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (NV)

On the XXXX of XXXX, I received a letter from PNC Bank stating that my credit limit has been drastically decreased from {$7500.00} to {$700.00} due to factors from most recent credit report. However, there are no negative blemishes on said report, showing nothing but exceptional payment history for our entire relationship. Utilization went from 24 % to 50 % due to their changes, and a lack of explanation as to what could have caused this is why I am submitting this complaint. They told me it was based on credit report and could not discussed further. Credit report shows nothing and has now dropped by XXXX points due to this change alone.