davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

After filing a complaint with you against my mortgage servicer, Loancare, on XX/XX/XXXX, I called them. On XX/XX/XXXX, XXXX from Loancare informed me that they are now interested in mitigation and helping me to keep my home. I asked her why they haven't responded to the Michigan State Housing Development Authority 's ( MSHDA ) multiple requests for the V Record. She stated that the payment is now being processed. She stated that Loancare has known since XXXX that I had Michigan Housing Assistance Fund ( MIHAF ) approval, even though they never responded. She stated that just today, on XX/XX/XXXX, less than 24 hours after receiving my complaint, they decided to contact their attorney and cancel the sheriff sale of my house, which was scheduled for XX/XX/XXXX at XXXX XXXX 

I was then contacted by XXXX, my caseworker at MSHDA, who is processing my MIHAF fund. He stated that he has contacted Loancare in writing on multiple occasions, and has not received a response. He stated that I could lose my grant if Loancare does not respond in a timely manner and confirm they will accept the funds and cancel the sale of my house. We are trying to give them {$25000.00} and they refuse to respond. He has contacted XXXX XXXX and XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX, XXXX, and on XX/XX/XXXX. They are playing games with federal funds. XXXX from MSHDA confirmed that Loancare is NOT FOLLOWING DUE PROCESS. They did not ever send me a new mortgage agreement, they never notified me of foreclosure in any way whatsoever. They just showed up at my home on XX/XX/XXXX and taped a notice to my front door, stating that my house is being auctioned off on XX/XX/XXXX. They do not have the right to sell my house. XXXX also informed me that he has MULTIPLE clients who are having their homes ILLEGALLY SOLD BY LOANCARE. Loancare is refusing to respond in EVERY SINGLE INSTANCE. 

I told XXXX about this website, the Consumer Financial Protection Bureau. I told him that, like magic, within 24 hours of filing a complaint against Loancare, they contacted their attorney and cancelled the auction of my house. He said he has MANY people who are ABOUT TO BE XXXX  BECAUSE OF LOANCARE 'S ACTIONS. He is going to have all of his clients file a complaint so that hopefully LOANCARE will stop trying to STEAL PEOPLE 'S HOUSES. 

I called Loancare back after speaking with MSHDA. I spoke with XXXX in the Bankruptcy Division. She told me something different than what XXXX told me earlier today. XXXX told me that Loancare has known about my MIHAF funds since XX/XX/XXXX, not XXXX like XXXX said. When I asked her why they were not responding to MSHDA, she told me that they would take at least 30 days before they would provide a response. In that time, I would lose my grant. My FEDERAL grant. My FEDERAL mortgage loan is being used to crash the housing market, by abusing FEDERAL funds. 

PLEASE STOP LOANCARE FROM CRASHING THE HOUSING MARKET AND LEAVING MILLIONS OF PEOPLE XXXX.
Consumer complaint received 2021-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

I opened a checking/debit account with Ally Bank on XXXX XXXX, 2021. I was attracted to this bank because it advertised the ability to make large mobile deposits, whereas many other banks restrict mobile deposits to amounts under {$1000.00} or {$2000.00}. My deposits tend to be larger amounts because I receive crop payments from farm land, and it's been difficult to get to the bank during the pandemic so I wanted the convenience of depositing checks from my home. On the date I opened my account, I deposited {$6900.00}. I activated my debit card on XX/XX/XXXX and tried to purchase an area rug for about {$600.00}. My card was declined several times so I contacted the bank. The agent told me that my debit card was denied due to exceeding the daily withdrawal limit of {$500.00} per day in point of sale transactions. I was told the limit would be increased after 90 days. Ally Bank did not disclose this daily spending limit in a way an average consumer or even an educated consumer could understand before opening the account. Although I was told the daily spending limit was for the " benefit of the customer '', I suspect Ally Bank is enticing consumers to open accounts by allowing large mobile deposits, but then severely restricting the use of those funds for 90 days in an attempt to strengthen its balance sheet. In other words, there is an inherent imbalance if a bank makes it easy for consumers to deposit large amounts of money " in '', but makes it difficult for consumers to take money " out. '' As a consumer, I felt swindled when I learned that I could not access my own money to buy simple household furnishings.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original creditors as requested. I'm demanding that this account be removed immediately : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Equifax continue to report that an account that was paid was a " Collection. '' The " account type '' is being reported as a " Collection Account. '' There is no terms, past due amount balance or original balance to negate this dispute.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc. (NE)

My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. This is my formal attempt to do 2 things validate the debt and settle it.

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me.

It is my strong concern that I may not actually be financially  responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one.
Consumer complaint received 2019-09-23
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, XXXX and Transunion are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

My XXXX account on XXXX XXXX has 2 medically related debts. From XXXX XXXX. of XXXX. 1in amount of {$150.00} & 2nd in amount of XXXX . 
This is a medical debt and I always had insurance. I had XXXX and XXXX at this particular time because I was put on XXXX. 
XXXX in XXXX XXXX removed the bill for $ XXXXbut not the {$150.00}. 
This is a billing error with XXXX XXXX XXXX and bill is getting resubmitted
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 I received a call from debt collector and they said I owe money for XXXX dollars on my Citi bank credit card. The have been repeatedly continued. I attended to Citi Bank branch and talked about this matter, and they said that you have no debt on your credit card. Therefore, I insured that this is a fraud and as a result I ignored the collector calls. Now, I received a letter from them, after 10 months. The letter shows that I owe them {$2200.00}. 
I called them on XXXX and talked with lady whos name was XXXX. She asked me my new address and cell phone number, in order the specific department, which handles my case, reaching out to me. But she refused to give me more details and the department name and contact information.
Consumer complaint received 2019-09-23
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 ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$23000.00} on XXXX partial account number ****XXXX. ( Please see page 23 of the attached credit report. ) Number ( 1 ), this account is a business credit card account, and ( 2 ) this account should not be reporting at all on my 'personal ' credit report. Also, Equifax and XXXX  are reporting incorrect information on the XXXX partial account number ****XXXX. This account as well should not be reporting on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This inaccurate and incorrect reporting is harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America would not release the funds on a government check as they have in the past, without notification and are holding the check for 10 days. I am a customer of 7+ years with this bank. I was not given any notice that they would not honor and release funds as they have in the past. This cause a serious problem for my workers, business, and home. I now have a lapse in health insurance, car insurance, 30 day lateness on my car and mortgage payment, and my payroll company will probably fine me as well, just to name a few. The bank has charged me over $ 500.00+ in bank fees just for XXXX. I want all my accounts reviewed and monies refunded to me that was unfairly charged because of how they hold money to create bank fees for themselves. This is predatory and discriminatory. I feel I am being targeted by Bank of America because I ama small minority businesses. 

I want my accounts reviewed, bank fees from the passed 7 years refunded that fit the criteria of unfair, abusive, manipulative, deceptive, predatory and shady. I want a letter from the bank that can be submitted to all 3 credit bureaus.
Consumer complaint received 2019-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CO)

I received a letter from Guild Mortgage saying my loan was in default due to missing HOA payments. I spoke with the attorney from the HOA and am working on a payment arrangment. I was told by the mortgage company to contact them within 10 days. I have called and left over 30 messages with no response. My home shows on XXXX as being in pre foreclosure.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 2 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX I sent letters and documentation on XX/XX/XXXX I sent letters and documentation and the credit reporting agency is stating they never received my documents, and just submitted all my disputes on XX/XX/XXXX, I havent received a response from the credit reporting agency Transunion.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted 
from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
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. (IL)

I called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. XXXX/XXXX XXXX, XXXX XXXX/XXXX. As a result, I contacted the local police and FTC.
Consumer complaint received 2019-09-23
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2019, I submitted an application for a credit card with American Express XXXX XXXX. After purchasing a air ticket on XXXX with the new credit card account XXXX temporary account ), the publicity said that I should receive {$200.00} credit back on my statement after 2 or 3 billing cycles ( due XX/XX/XXXX ). Since then, I called the company multiple times and had a few chat conversations with Amex to ask I did not receive the credit. For my surprise, today, after 4 months, the company refused to give me the credit back, alleging that my credit history with AMEX was not satisfactory based on introductory offers and other products. I asked for a detailed explanation and the agent said that this was all for the moment. I felt completely misled by this bad publicity. I opened the account to get the credit back, and for some unknown reason, I did not get anything at all.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

By my count I should have 115 qualifying payments towards my Public Service Loan Forgiveness. I have been enrolled in this since XXXX when my loans were serviced by XXXX XXXX. 
My loans were bought by XXXX ( XXXX  XXXX XXXX Something ) in XX/XX/XXXX. I re-sent my Employment Certification Form proving I was a federal employee and every year sent in my tax return to have my payment adjusted under the IBR plan. In XXXX I asked XXXX for a count of my qualifying payments. In an email dated XX/XX/XXXX I was told I had made 54 qualifying payments to XXXX and 17 to XXXX. 
In an email dated XX/XX/XXXX XXXX confirmed that I had made 101 payments but also said it would be up to FedLoan to come up  with the final number and they transferred my loan to them. Up until I thought I was nearing my forgiveness date I had never heard of FedLoan before.

I had to re-send all my Employment Certification Forms. I had had 3 different Fed jobs since starting to payback my loans and FedLoan had no record of any of them.

When FedLoan finally calculated my qualifying payments ( XX/XX/XXXX ) they came up with 49 for one loan and 59 for another. Not only are these numbers ridiculous but my loans have been consolidated since my first PSLF/IBR payment so where they get two different numbers is another mystery. 
Writing to complain about their calculations, I got ( in part ) this answer : The months that did not count as qualifying payment months for public service loan forgiveness include XXXX through XX/XX/XXXX due to an administrative forbearance that was applied to your account, XX/XX/XXXX due to the months full installment amount not being full satisfied, XX/XX/XXXX due to a general forbearance, XX/XX/XXXX due to no bill being generated, XX/XX/XXXX due to an administrative forbearance that was applied to the account, from XX/XX/XXXX through XX/XX/XXXX due to a general forbearance and XX/XX/XXXX due to the full installment amount not being fully satisfied. 

What? What a bunch of excuses and XXXX made up behind the scenes and after the fact. Never ever did XXXX or XXXX put my loan in administrative forbearance or did I pay during a general forbearance or any of the other stuff I am hearing about the first time ever. 

Ive read too many articles to count now on how awful and even fraudulent FedLoans is.But I do not know how to go about fixing this. I have never even made a single payment to FedLoan so how they came up with these numbers, I dont know.