davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (AZ)

I ran into a finacial hardship and attempted to submit an application to my mortgage company for their hardship assistance program. When I first spoke with the mortgage company, I was advised that the process would take 30 days to review my application after it was recieved. I was also told that I would not occur any late fees while the application was being revewed. 
After I initially submitted my application in XX/XX/XXXX, I recieved a letter stating that more documantation was needed for my application. I faxed in several supporting documents including my pay subs, my HOA agreement, and other supporting documents. In XX/XX/XXXX, I received a letter stating that my application had expired since I did not responed with the needed documents within 30 days. I resubmited the entire application along with all of the supporting documents. On XX/XX/XXXX, I recieved a letter stating that my appliction was denied becasue I never sumbmitted my HOA agreement ( which was previously sent in twice ). The letter was dated XX/XX/XXXX and gave a deadline of XX/XX/XXXX to have the documents returned. No comunication was made in regards to this needed documantation besides the letter I recieved in the mail on XX/XX/XXXX. I called into the office of the president as soon as I got the letter, and was told that my application had been denied since I did not get the documents in before the deadline, but as a courtesy they were wiling to reopen the application. I resubmitted my HOA agreement the next day. I received a phone call on XX/XX/XXXX stating that underwritting would not accept my application since the HOA documents did not contain the monthly due amount. After reviewing the document with the agent on the phone I was able to point out that the documents did in fact have the due amount listed on the document. 
At this point I was told that they would follow up with underwritting. I recieved a phone call on XX/XX/XXXX stating that they were unable to process my application again. This time I was told that although they were able to reverse their decision on my HOA documents, now all of my pay stubs and bank statments were too old and I needed to resubmit current documents. I was told after I resubmitted these docments it would take another 30 days to review my application. 
Durning this applicatoin process my wife and I were unable to move foward and develop a plan to bring the account current since we were waiting on the outcome of our assistance request. Although the mortgage company admitted that they told us that we would not get charged any late fees while we going through the application process, they advised us that in fact they had been charging us fees the entire time. The mortgage company admitted to their mistake and waived 1 months worht of late fees
Consumer complaint received 2020-12-01
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. (KY)

There is a XXXX XXXX XXXX closed account that has always been paid as agreed and the history reflects a 1x30 day late which is totally inaccurate. I have disputed this and it is still not resolved. This is inaccurate information that I want removed ASAP.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

The debt is from two ambulance rides from the main hospital in XXXX, AL to a mental health facility in XXXX, AL. 
I had filed for XXXX several years before and was awaiting my hearing. Which I won. State law grants all medical bills in relation to the XXXX case be filled under XXXX and paid in full starting on the date first filed for XXXX to the date the case was awarded. The ER and main hospital and the mental health facility filed correctly and were paid in full by XXXX. The ambulance service did not file at all as they were instructed to by both myself and the medical billing department at the main hospital. I never received any bills from them and thought the matter was resolved. Until the debt was bought by Wakefield and Associates and they tried to collect a debt that I am not legally obligated to pay and would have been paid in full by Alabama XXXX had they used proper billing procedures.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (FL)

I am writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the companies, to no avail! The listed information is completely inaccurate and must be corrected.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (WV)

Commonwealth Financial Systems LLC, recently ( between XX/XX/2019 ) added a collection account on my credit reports for the amount of {$370.00}. I was never told about this debt. Commonwealth Financial Systems LLC, never sent me anything in the mail or by phone call regarding this debt. I still dont know what its regarding as I havent received anything from them. By law, they had to give me proof of the debt I owe prior to submitting this to the credit bureaus as I have the right to resolve the debt or to dispute it. I couldnt do so as they just put it on my credit reports without any notice at all. Commonwealth Financial Systems LLC,  did not go about this process legally so therefore the debt should be removed from all of the credit bureaus. I will fight this until the end, they will not get my money. I cant even confirm if this debt is actually mine. Im told its from a healthcare facility in MD or says the credit report information. Yet Ive never been to a healthcare facility in MD. I dont even live in MD and I never have.
Consumer complaint received 2022-08-21
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. (TX)

Equifax and XXXXXXXX XXXX you both verified this closed account XXXX account XXXX, Equifax AccountXXXX both different account numbers please reinvestigate your verification UNDER 15 U.S.C. 1681 a { e } please give me your verification you must have the information The law is the law and you have to follow the law REMEBER 15U.S.C.1681a { e } enclosed are my documents { 30 day by law } these accounts listed are Closed accounts
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TN)

I owed {$350.00} to XXXX that went to collections. 

CCS Collections XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX ext. XXXX in association with XXXX The lady I spoke with said twice they would settle the debt for a 15 % reduced amount of {$300.00}. I have the entire phone conversation recorded. The receipt they sent and the amount charged to my credit card is {$350.00}.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I filed bankruptcy around 2015 and there are still accounts showing negative revolving that should be gone with a XXXX dollar balance.ive contacted equifax multiple times and they will not correct this. They but on dispute verbiage but never solve the problem or correct this was XXXX yrs ago!!
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: KEYCORP (NY)

I am trying to obtain relief due to the pandemic. We are one month behind and my husband is now out of work. I am very concerned as we are nearing the end of the loan term and can not make a payment this month. 

I tried to request an extension but the hold times are unbearable as I am working from home with XXXX small kids. Please help us obtain an extension and the available protections due to COVID. 

Thank you!
Consumer complaint received 2020-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they shave not sent a response. Please help its having a huge damaging affect on my credit report and score.
Consumer complaint received 2022-07-04
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-11
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. (NJ)

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' Experian, XXXX, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (MI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-22
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. (GA)

I've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (TX)

i dont know who is this!!! 
I am requesting that you validate the debt below. 

Last reported XX/XX/2019 Open balance : {$540.00} Original creditor CXXXX XXXX XXXX This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim, I am allowed to request validation from third party collection agencies, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect the debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company accessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor ( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9. ) Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor ( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

If there is anything else you need to further complete our request then please reach : Thank you for your time ...
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022 I was out with friends and attempted to use an ATM inside a business. I made 4 identical attempts to withdrawal {$300.00} using my Bank of America debit card, and all 4 were declined. No cash was dispensed. I assumed this was some protection mechanism from bank, and decided I would call in the morning.

The next morning, I looked on my mobile app and it said all 4 transactions went through and cash was dispensed. I called BofA immediately, and they told me the transactions were still processing, and I would need to call bac

k in 24 hours. I agreed, and asked if they would record this call on the logs to which they agreed. 24 hours late
r, 2 of the 4 charges disappeared, but 2 posted and said I had successfully withdrawn {$300.00} twice. I know this wasnt true because I did not receive cash, and had to pay the bill using another credit card instead of cash. On XX/XX/XXXX, I called Bank of America again, and began to file a claim. BofA credited my the {$620.00} total, which includes both transactions and the {$10.00} ATM fee paid twice, while they investigated. 

Bank of America came back to me on XX/XX/XXXX with a resolution letter saying they received the logs in question from the ATM, and the ATM dispensed cash. They also attached the logs, and asked if I had any documentation I could provide, I could continue to dispute. Unfortunately the failed ATM did not provide any expense or record of such. On XX/XX/XXXX, I will be charged the {$620.00} again. 

While I understand what the logs say, this is a machine, and machines fail. This was not considered. I know my experience and I did not receive cash. I am now out {$620.00} of which I did not spend, and would like to be reimbursed. As a nearly 20-year customer of BofA, this is the first issue I have had with them and am surprised my standings and loyalty did not carry in weight in this claim. I am also surprised BofA is not more interested in protecting me, the customer. 

An appropriate resolution would be to either cancel the upcoming XX/XX/XXXX charge, or credit me the {$620.00} I did not receive.
Consumer complaint received 2022-10-12
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: Bay Area Receivables, Inc (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Have senior manager review as my last two complaints were not resolved and whomever touched my account edited all my personal info incorrectly.

The thaw system is not working online for me. Ever time I have tried last few years it's blocked. Clearly you have a data issue. Please open an investigation case.

DO NOT COPY PASTE A GENERIC RESPONSE. THIS IS A UNIQUE CASE AND REQURIES ACTUAL HUMAN INTERVENTION.

Please identify why you keep flagging me when I thaw. 

This was not resolved in XXXX and XXXX and inappropriately closed.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. These Lists Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX-acct # XXXX, XXXX XXXX-acct XXXX XXXX, XXXX XXXX  XXXX XXXX-acct XXXX XXXX XXXX XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXX-acct # XXXX, XXXX XXXX XXXX XXXX-acct # XXXX, XXXX XXXXXXXX  XXXX # XXXX, XXXX XXXX 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.