davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I was really surprised when I received a copy of my credit score showing XXXX points lower due to the closure of Macy 's credit card by the merchant. This is a very abusive practice from Macy 's due that Macy 's is penalizing a customer for not using their credit card and in addition without previous warning and without giving the opportunity to the customer to remedy the situation even when knowing how closing an account by the merchant will affect the credit score of the customer. This is abusive and against the fair and safety practices towards a customer. Called Macy 's customer service and talked to XXXX who informed me that she could not do anything that it is Macy 's practice to close an account after it has not been used for a period of time and if I wanted I was more than welcome to apply for a new Macy 's card. I can understand that Macy 's can have their policies for the use of Macy 's card, however, I have been a cardholder since 2014 and never been late with my payments, in fact, I never carry any balances due that I paid off the balance as soon as I received the statement. Macys did not even have the courtesy and the business integrity to let me know that they were closing my account. No previous notice, no letter informing about the decision, nothing, they just closed the account without including any information or reason to the credit bureaus on why they were closing the account, it only shows account closed by the merchant, which resulted in lowering my credit score for XXXX points. This is not fair, this can not be legal, and moreover, when based on the new law my credit scores were supposed to increase and now they are lower than ever. I need your agency to investigate this matter due that Macys is on purpose and knowingly hurting the most important tool a person could have to keep and maintain good credit scores in order to receive good rates in any service that the credit report is required, including employment.
Consumer complaint received 2022-10-07
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. (GA)

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. 

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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXXXXXX 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 & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

Balance : {$3.00} On XX/XX/2019 I notified Professional Debt Mediat in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Professional Debt Mediat refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Professional Debt Mediat under the Dodd-Frank Act.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm victim of Identity theft, I'm sending this dispute because after looked over of my credit report I found several hard inquires that I never authorized. I have filed FT report and have included in this package. I'm not using any third party for this matter and I represent myself by myself. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. The INQUIRIES that are the result of fraudulent activities. Therefore, these inquiries must be deleted from within my credit file. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are these hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Automotive XX/XX/XXXX ; XXXX XXXX  Auto Financing XX/XX/XXXX ; XXXX XXXX Auto Loans XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX Please delete these unauthorized hard inquiries from my report immediately.
Consumer complaint received 2024-03-28
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (IL)

Opened a credit line with bread financial who gets their funds through Comenity Bank in Ohio for their mysmile care credit card in XXXX of XXXX and was approved for {$1200.00} balance. Had work done XX/XX/XXXX and used {$1100.00} of the {$1200.00}. Made payments on the account of {$100.00} all the way up to XXXX of XXXX in which I made a final payment of {$560.00} which paid off the account to a balance of {$0.00}. Now in XX/XX/XXXX I get an email saying I owe {$1100.00} again??? I called Comenity to file a dispute and they even placed it on my credit report with XXXX with a balance that i owe of {$1100.00}. I refuse to pay this and I feel like if I dont itll go against me and my credit report as a consumer and thats not fair. Comenity is a big fraud and taking advantage of their customers. I refuse to pay another {$1100.00}! I already paid this account off!
Consumer complaint received 2022-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent out a credit repair letter to Transunion on XX/XX/2022. The letter stated that Transunion went against my rights and I put inside the letter that they would send me this exact letter about me using a credit reporting agency, in fact, no law states that I am not able to use a credit reporting agency I provided TransUnion with the following statement below in my letters and they sent me back the attached mail. This is no excuse not to process my documents and I demand they dispute the items that I listed within 30 days or immediately take the disputed items off my credit report. 

" I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. ''
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KS)

I was recently transferred to Mohela for XXXX servicing. 
Mohela will not allow me to set up additional payments under auto-pay that target a specific loan. 
i.e. base payment is {$220.00}, but I want to pay {$250.00} a month and make sure that the extra 30 hits a specific loan. They instead take the {$30.00} and split it equally across all of the loans. Their solution was that I need to call in every month to make the extra payment on a specific account. 
This is not a complicated process for them to implement online and every other bank in the world can handle this simple request. 
The ONLY reason not to do it is because they know over the long run they will make more money in interest this way. This is intentionally making the process of paying off debt sooner more tedious. 
This is one of the deceptive practices that should be rooted out immediately. 
Plenty of documentation if available online over consumer psychology that shows people will forget to call in because its extra steps. They know it and are using it.
Consumer complaint received 2024-05-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

NaviRefi employs a bait and switch tactic that puts a hard inquiry on students looking for loan refinancing. The bait is that in the first window, you see MULTIPLE " Check Your Rate '' buttons on their homepage without any indication that this check will be a hard inquiry -- not a soft check. Then, when you click on the button, you get to this page : XXXX XXXX XXXXnavirefiXXXX XXXX  At the bottom of the page, you STILL see a notice that says " Continuing this step won't affect your credit. '' This is all part of the bait.

The SWITCH happens by the time you get to a third screen and they allege that the message changes suddenly to, " ah, but this will affect your credit, after all. '' They hide or delay a completely polar opposite message -- after LURING you into the screen for several steps, rather than clearly labeling that completion of the process is, in fact, a hard inquiry. 

NO reasonable person would think that several steps and windows stating that a soft check is needed, would suddenly change to a hard inquiry. 

The fact of the matter is, I input my information on XX/XX/year> -- from the XXXX XXXX at the time, and this location has been verified by Navient themselves. It was almost XXXX or XXXX XXXX. or so for me, not to mention insomnia/jet lag had weighed heavily on me, so I was very easily trusting their process. I didn't even notice that the checkbox had changed -- as they assert -- to a different message. 

The whole time, my assumption was that the same consistent message of a soft check would continue the whole way. 

I did not expect a bait and switch. 

They need to be admonished and they need to remove this hard inquiry I never asked for. It is a predatory move. 

They need to state that everywhere, and from beginning to end, that the COMPLETE process requires a hard inquiry. Don't first state that entering information that does not at all complete the process is a soft inquiry or a " no check. '' Obviously anybody entering anything anywhere will not receive a hard inquiry. Contrarily, everybody entering complete information on NaviRefi WILL receive a hard inquiry -- and that message needs to be communicated from START to FINISH, not at the very end after switching up the message.
Consumer complaint received 2022-10-07
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This is a fairly new refinance loan. ( approximately 3 months ). The first payment we made to our previous mortgage company, XXXX XXXX, which they forwarded and that payment was made. Second payment, we wrote check for {$1500.00} and the new mortgage company, PHH Mortgage, processed it for {$1500.00}. We checked with our bank and they have received the {$1500.00} and we have tried to get the {$80.00} ( {$79.00} ) we rounded it to {$80.00}. They are making it difficult to pay these monies, and are now saying we are behind the one entire payment. Our bank has also disputed this with them because they have indeed been paid {$1500.00}. Therefore, we will be sending the {$79.00} in a check because they won't allow us to pay online! We just want our payments processed correctly, on time, and not to penalize us with late fees or poor credit, because of their errors! Please help us with this unfortunate problem.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (KS)

My mortgage lender ran my credit for a home loan and notified me of a collection that is preventing me from obtaining a home loan. After researching the collection, I know for a fact this debt isn't mine and was opened fraudulently. This fraudulent account is having an adverse effect on my credit rating.
Consumer complaint received 2022-12-01
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. (CA)

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, CA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX Balance : {$410.00}
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account No XXXX XXXX. Late payment history XXXX XXXX XX/XX/2017 XXXX. Account XXXX XX/XX/2017 I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (NY)

This debt collector called me stating that I owe this alleged debt. I questioned the validity of the debt and and they stated that they were sending documents over. I am requested all documents original creditor, address, amount of the alleged debt and my wet signature on the alleged contract. As pursuant to 15 usc 1692c ( c ) I am demanding that this company and whoever else is affiliated with this company needs to CEASE and DESIST on all mediums.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Corp Solutions Inc. (GA)

I am not liable for this debt of {$250.00} with CREDIT CORP SOLUTIONS. I do not have a contract with Credit Corp Solutions and was not provided the original contract with my wet signature and ID verification.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

This Debt is not owed by me resulting in Identity Theft. Amount XXXX XXXX is trying to collect is {$930.00}. The address of this debt was from XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX. I have never lived outside the state of California. 
Nor do I know anyone living in Louisiana. The date of this debt was incurred on XX/XX/XXXX and was closed on XX/XX/XXXX. The account number in reference is XXXX. This is the 5th debt incurred with the theft of my identity in other states. I am a notary in the state of California and have had background checks done once a year.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

On XX/XX/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. 

On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. 

On XX/XX/2020 I got another message stating the reversal was canceled. 

On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. 

I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. 

My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  pa. XXXX Please help me find the money
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied to New York State Homeowner Assistance Fund, the program provides financial assistance to homeowners behind in their mortgage up to $ XXXX. NYS Homeowner assistance has not received a response from Citizen Bank, my mortgage servicer. If Citizen bank does not get a response from Citizen Bank, how are they supposed to be able to find available solutions like modifications on my behalf. 

New York State Assistance has been trying to get in touch with Citizen Bank since XX/XX/2022. Today, XX/XX/2022, I received a foreclosure notice from Citizen Bank. Mortgage rates have gone drastically up since NYS first reached out to Citizen.