davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
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 have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
Consumer complaint received 2018-01-21
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. (NJ)

I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.
Consumer complaint received 2018-01-21
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. (FL)

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Consumer complaint received 2020-11-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I have disputed on 3 different occasions with this company to validate the erroneous accounts in question. I have certified mailed them a envelope with enclosed proof of my identity, proof of address, along with the erroneous accounts around XX/XX/20 they received it on XX/XX/20 2nd time was on XX/XX/20 they received it XX/XX/20. 3rd time proof was sent out on XX/XX/20 they are expected to receive it by XX/XX/20. All except for the last one have not received a response via the mail at all i am still waiting. Ive also sent information online via the CFPB portal to this company twice which the response was that this request was not sent on my behalf.Its been beyond 45 days since initial contact with the company and my follow up responses with them. I believe that this company does not abide by the laws of the Fair Credit report Act so i have no choice but to seek litigation. Thank you
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I started a refinance application with HSBC on XX/XX/XXXX and was approved a few days later with a rate locked in. Over the next several weeks, I went through the lender 's process and provided documents, worked with them to get an appraisal, and kicked off the refinance process with my home 's management company. 

I was informed that everything was complete on my end on XX/XX/XXXX when I delivered the signed, and executed recognition agreements to the law firm representing HSBC. My experience up to this point was disappointing due to poor communication and lack of updates from my mortgage lender, but it continued to get worse and worse after submitting the recognition agreements. 

From that point, I stopped getting updates from HSBC and only got one email each week with a document to extend my rate lock which is paid for in points. Since I turned in my recognition agreements on XX/XX/XXXX, I was required to sign 6 rate-lock extensions raising my APR by around 0.5 %. 

Today, my mortgage broker finally reached out to me with an update only to request me to pay another questionnaire fee ( {$300.00} ) that I had already paid on XX/XX/XXXX. My only guess is that due to the lender 's slow processing times and negligence, some documents expired and they are pushing the cost on to the borrower. 

Overall, I have been extremely disappointed in my experience working with HSBC. I would not recommend them to any friends or prospective borrower.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (GA)

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it ) that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Consumer complaint received 2020-11-20
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: I.C. System, Inc. (PA)

I recently challenged the validity of XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, I.C. SYSTEM, INC ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewed my files, I notice a XXXX Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction in the balance of {$1600.00} and keep incurred hidden fees without my permission and acknowledgment.
Consumer complaint received 2021-01-19
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: CITIBANK, N.A. (CO)

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, XX/XX/XXXX Institution Information : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (PA)

I received a letter from Discover saying my application for a Discover Bank was canceled. I NEVER opened an account. I have so many alerts ( freezes ) on XXXX, XXXX and XXXX. I also have XXXX, XXXX XXXX  XXXX and other measures in place and accounts are continuously being open!!! This needs to stop!! They are being opened under my maiden name and being sent to my old address from over XXXX years ago.
Consumer complaint received 2018-01-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lendmark Financial Services (MD)

I owe a debt to Lendmark Financial Services. We have already been to court in the past because I was behind on my payments. Most recently, my account with XXXX XXXX has been hit with a garnishment hold of around {$4500.00} on XXXX XXXX, 2017. I have contacted Lendmark Financial to see who I should speak with to get current with my payments. They directed me to their lawyer. I have contacted their attorneys at XXXX XXXX XXXX Attorneys at Law located at XXXX XXXX XXXX XXXX XXXX, MD XXXX multiple times to explain that if the hold is removed from the account I will be able to make good on my past due payments.I have received no response from them after leaving several messages. There have been other garnishment attempts by Lendmark Financial on other accounts that I have as well.
Consumer complaint received 2020-11-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

On my XXXX  report. It shows XXXX and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on Experian
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Meta Payments Inc. ()

My XXXX XXXX XXXX XXXX XXXX XXXX with XXXX followers is wrongly disabled Permanently By XXXX XXXXXXXX XXXX for impersonation. 

How can i impersonate myself? i am XXXX  XXXX i posted XXXX songs with my XXXX and XXXX. For XXXX Consecutive days i tried to contact with meta & XXXX but i didnt receive any help except for automated responses. ( Below i am attaching the proofs ) My Heart is Broken as i worked for 6-7 years for my account Growth & i Give my Blood to it. and am not Getting any help. i have social media presence with similar name XXXX XXXX on Diff platforms below i am Giving the Proofs of that. so Question of identity is invalid. 

With Broken Heart & teary eyes i am reaching your Office For Help Please Forward my Appeal and Proof to meta. Help me Regaining my account and means of earning. 

I hope This office wont disappoint me. and to Meta Please Have a Heart I am Suffering from past 30 days please Give it a manual review and Reinstate my account. Please. i Have Exhausted all the Options from My End. its in Your Hands now. 

Fingers Crossed. 

Regards Reinstate my account XXXX XXXX
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a good standing client since XXXX in this bank. In XX/XX/XXXX I had to travel to another country due to extenuating circumstances. But before I left I made sure to make payment of my credit card amount and I did but, the day that I went to the bank to pay off the balance a worker in customer service asked me that my credit card was too old if I wanted another one and I said yes. But he never mentioned that the credit card number will change. So, I had an outstanding balance left on new one which was pending on my old card. When I came back I had it late payment but still I paid off the balance on new card too. But never thought it will still be recorded.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

On XX/XX/2019, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, CBNA add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX add a hard inquiriy on my credit report per XX/XX/XXXX.
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (IN)

On XX/XX/2020, I logged into my account on www.rocketmortgage.com. I was greeted with a popup message stating that if I paid {$3500.00} against my principal owed, my Loan to Value ( LTV ) ratio would be 80 % and I would no longer be required to pay Private Mortgage Insurance ( PMI ). On XX/XX/2020, I made the payment of {$3500.00} and waited for the PMI to come off of the loan. On XX/XX/2020, I checked my account to find that the payment was applied, my LTV percentage was now at the required 80 % but I was still paying PMI. That same day ( XX/XX/2020 ), I called Rocket Mortgage customer support. The first time I called, I was hung up on after requesting the PMI removal. I then called again and got representative XXXX XXXX. I told XXXX the situation and she informed me that she could take it off but I would need to pay a {$150.00} fee right then over the phone. Not a loan payment, just a {$150.00} fee to remove the PMI. This fee is not stated on the initial popup at all. I feel like the popup is a way to get people to pay this fee. This seems like a very shady business practice and possibly illegal. I would like my {$150.00} back.