davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (AK)

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my XXXX, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a PHEAA for " collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 
PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
Consumer complaint received 2023-02-19
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. (NY)

I NEVER GAVE CONSENT TO ANY OF THESE PERSONS TO FURNISH ITEMS TO MY CONSUMER REPORT ON MY BEHALF. AS A RESULT MY LIVELIHOOD HAS BEEN ADVERSELY AFFECTED, AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CO)

To whom it may concern, I would like to file a complaint against Sierra Pacific mortgage company. 

My XXXX payment was posted as an additional principal payment incorrectly instead of as a regular monthly payment. They have ackowledged this error. Since this time they have been showing that I am a month behind. My payments have all been made in full and on time. 

*My XX/XX/XXXX payment cleared my bank on XX/XX/XXXX. It was not posted to my mortgage account until XX/XX/XXXX. I was told on the phone that this " was held in a non-interest bearing account '' My question is why? 
*I have received letters of foreclosure. This is very concerning. I am also curios how they would threaten foreclosure if they are only showing one month behind.

*I have received numerous collections calls, one per day. Each time I have to tell the person to read the notes. " they are unable to take me off the collection list until accounting moves the payment and corrects this '' *I have made countless attempts to contact them about this, by phone, email and fax. I have sent copies of my bank statement and transactions as proof.

*I got my mortgage broker involved. She has discontinued using Sierra Pacific because of issues in addition to mine. She was not able to help me. 

*They are adding late fees to my account balance. 

I desperately need someones help with this. I can not afford to hire an attorney. If this is just an error it should not take 7 months to correct. I beleive that there is something very irregular going on. 
Their error that should have been corrected months ago is causing me not only stress but effecting my credit rating. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX, and TD Bank USA Target. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is TD Bank USA Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-18
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: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

Good morning, I recently refinance my primary mortgage with XXXX  XXXX. XXXX  XXXX asked to subordinate Webster Bank HELOC and I made this requested on XX/XX/XXXX. It has been more than two month now that both XXXX  XXXX and myself have reached out to Webster Bank subordination request and branch manager for assistance. However, no response from subordination request department at all. So I decided to closed Webster HELOC account. Today, XXXX  XXXX reached out to me saying on XX/XX/XXXX Webster hard pulled my credit asked me for explanation. I dont know why Webster hard pull my credit? I dont know what its for? I have not apply anything with Webster Bank. For subordination request there is no need to hard pull credit or at lease let me know its part of process?
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (PA)

In XX/XX/2020, I started a refinance with Citi Mortgage Co. They charged my credit card for {$690.00} for an appraisal. The mortgage processor I was never able to reach at anytime. They asked for documents and I submitted everything they requested. An underwriter called about getting additional information. In XX/XX/2020 still no word on a closing date. I asked that they refund my credit card because they were not going to close on this refinance. They will not refund my account for services that they fail to provide. For that reason i need Citi Mortgage to refund my full amount.
Consumer complaint received 2021-02-18
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)

XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

in according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 states it also states a consumer reporting agency can not furnish an account within my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted Capital One Bank to have the Hard Inquiry removed from my credit report from XXXX XXXX, XXXX. I was XXXX  at the time and did not apply for credit with them. This is some type of fraud/identity theft issue. They did not agree to remove the inquiry. i send them proof of XXXX  at the time in question.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Dear Equifax, XXXX and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (VA)

Hello, I have recently inherited a property due to the recent passing of my father, XXXX XXXX. Loan # XXXX. We notified the servicer of the death in late XXXX and immediately upon receipt of the assumption package we emailed the requested loan assumption documents and death certificate on XX/XX/XXXX to assumptions @ loanadministration. We received and auto reply notification that the documents were received. We then received an email from XXXX in Assumptions that requested we send all the documents again even if we have already sent them. We immediate emailed them again. Then we received a notice in the mail early XXXX, dated XX/XX/XXXX stating that we are unable to assume the loan as investor guidelines do not permit it. This is a 30 year conventional mortgage - I am unsure who the investor is. We have been reaching our to loan depot since receipt of the letter at the number provided XXXX and are getting no where. We finally reached one gal in customer care, XXXX XXXX, who advised that the executor of the XXXX needed to send in requested documents. XXXX XXXX, my brother, and executor of the XXXX tried to fax the document to the number provided, XXXX multiple times. XXXX then advised him to email these documents to XXXX which were sent on XX/XX/XXXX. We have called numerous times and spend countless hours on hold, being transferred from person to person - with no answers ; no one seems to know anything about dealing with a decedent account or an assumption for that matter. The lack of compassion and care for the customer that is experiencing a loss of this magnitude is astounding and quit frankly unacceptable. It is my understanding the servicer is to work with the costumer in these situations ... instead it is turning into a nightmare. We have paid the mortgage for the last three months, lived in the property for years and just want to understand the next steps. Can we assume it, can we refinance it into our names, is it considered a purchase? Rates are at an all time low and we would like to get this resolved with as minimal emotional impact as possible. We are not getting any answers and keep trying. I am writing now this complaint as I am at my wits end extremely frustrated as I am sitting on hold for the third hour today. No customer should have to go through this to get some answers. 

Thank you for your assistance and prompt attention to this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREA Complaint department To AMERICAN EXPRESS TOTAL XXXX CHARGE OFF ACCOUNT AMOUNT : {$1400.00} DATE XX/XX/XXXX {$1900.00} DATE XX/XX/XXXX Dear AMERICAN EXPRESS agency manager, I am writing this letter to bring to your notice the following information added to my credit report for 2 account The amount 1- {$1400.00}. 2- {$1900.00} are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and this account has been closed over 7 years and the name of both account under limited liability business, credit reporting agencies notified to delete any trade line and this collection agency has no further contact me regarding this account.

I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
Consumer complaint received 2021-02-18
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. (GA)

XXXX  {$4400.00} XX/XX/2019 Not my account, my identity was stolen at a previous address of mine that contained some of my personal info. They got ID 's in multiple states in my name, which is why I only carry a passport now. 

XXXX XXXX XXXX {$2500.00} XXXX This is a debt from XXXX XXXX that was already settled with XXXX XXXX and was flagged as a fraudulent account. The debt was removed once they found out the account was opened fraudulently.
Consumer complaint received 2023-02-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-07
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. (GA)

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXX XXXX XXXX XXXX  Account number XXXX and XXXX XXXX - Account number XXXX.
Consumer complaint received 2023-02-19
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-03
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 attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Consumer complaint received 2023-02-19
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-13
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. (OH)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX XXXX but my contract was between myself and XXXX XXXX, who I am in the process of entering into arbitration with. If CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see CREDIT MANAGEMENT LP ( Original Creditor : XXXX XXXX ) 's info in identity theft report attached
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX credit card but currently charging me XXXX XXXX  plus for interest calls me daily after explaining I'll make XXXX of the month payments in the highest amount I can currently afford and to discontinue calling but they continue calling me irrigate and from random numbers.
Consumer complaint received 2023-10-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: First Colony Mortgage Corp. (UT)

Several times during this transaction this lender asked me if I would be legally using my property. Although I informed him I would live in my property as my primary residence. He kept asking over and over again. He threw out comments like : " The lender will drop by unannounced to check if you live there in the year after you close. '' Etc. etc. 
He advised I could use XXXX XXXX XXXX as a down payment and then altered what he said and even required me to update my commission used as a down payment in addendum in order to move the transaction forward. I believe he was discriminating again me based upon my race and a bias he had against me from the beginning of the transaction. 
He refused to order the appraisal until I updated my commission percentage received. 
He then-without my permission over two weeks later ordered the appraisal on rush and tried to push the fee to me without even confirming I wanted it ordered-stripping me of the negotiation power with the seller.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Affirm Holdings, Inc (GA)

Good afternoon, I was scammed by a criminal that opened up a {$7000.00} loan with Affirm in my name. They stated that they were going to walk me through a process to deny a loan however they actually walked me through a process of opening a loan in my name and spent all of the $ off of a virtual card. I immediately filed a police report, as well started a case with the Actual company of Affirm. Affirm sent me an email stating that they investigated and concluded I was not responsible for this loan. The next day I received another email from Affirm stating the XXXX email was a mistake and that the case is still under investigation. I have followed up with Affirm every XXXX weeks since XXXX and they keep stating that I have will receive an email within 3 to 5 business days and I have not received anything since the XXXX email. I have added the copies of the XXXX emails from Affirm. I also filed a police report the day this happened on XX/XX/2023 - Case ID XXXX. I have requested a copy and will add this to my complaint once received. Please contact me at XXXX with any questions.
Consumer complaint received 2017-09-28
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. (AL)

Equifax has not deleted these unauthorized inquires from my credit report. They sent me a response saying " inquiries are a matter of fact ... .. '' but they still DID NOT show me where I signed any consent at all. I DID NOT AUTHORIZE these inquiries and there was no investigation done at all. On behalf of the Equifax breach, I STRONGLY wish to have these inquiries deleted because THEY ARE NOT MINE. They did not even delete an inquiry in which the creditor themselves sadi they submitted to them that it should be deleted. I have tried calling Equifax 's phone number and it hangs up on me every single time. They are purposely not answering their phones to correct their own negligence involving this data breach. I want these inquiries removed promptly.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (FL)

Today is XX/XX/2023, and I sent out a letter regarding false and unknown things on my credit report on XX/XX/2023. Over 60 days later, I have not received a response yet from the bureaus regarding my issue. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted hastily. If the accounts are not deleted, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.