davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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: ENCORE CAPITAL GROUP INC. (NY)

Here are the accounts below that are inaccurate and have never done business with 1. XXXX  XXXX XXXX XXXX XXXX - {$19000.00}. ( ftc report filed ) 2. XXXX - XX/XX/XXXX - {$14000.00} 3. MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$1300.00} ( FTC REPORT FILED ) 4.MIDLAND CREDIT MANAGEMENT - XX/XX/XXXX - {$2200.00} ( FTC REPORT FILED )
Consumer complaint received 2022-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. 

Id have an excellent repayment record. Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. Also request a payoff letter to pay balance off in XX/XX/XXXX. 

Best, XXXX XXXX
Consumer complaint received 2021-10-22
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. (CA)

I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2020-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I sent a loss mitigation package and third party authorization to AmeriHome Mortgage by fax on XX/XX/2020. 

I called Amerihome Mortgage and spoke to XXXX XXXX on ID # XXXX on XX/XX/2020, who confirmed the loss mitigation package was received and was sitting in the mailroom in the financial inbox. She confirmed the package was received on XX/XX/2020. No letter was sent to the borrower and the file was not assigned to anyone. She told me would escalate the file and would have the file assigned and opened. 

I called Amerihome Mortgage on XX/XX/2020, and was on the phone for over an hour and spoke to Ms. XXXX ID # XXXX who also confirmed the loss mitigation package was received and not assigned. She spent the time on the phone with me and sent emails to the loss mitigation department.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (GA)

I have attempted to negotiate a final payment to settle XXXX debt with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX. The collector added additional Interest, collection cost and fees to the passed due balance. Do the collector have the authority to add additional fees after receiving the closing statements from the original company. Is this considered unfair business practice by the collectors?
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (TX)

Axos Invest , Inc ( a part of Axos Invest LLC and Axos Bank XXXX purchased XXXX where I had an account. One of the features XXXX offered which Axos continued offering was automated " tax loss harvesting. '' Essentially this feature sells a fund at a loss and purchases a different index tracker to generate tax savings. 

This requires Axos to generate an 8949 in addition to a 1099. Axos has failed to make these documents accessible via their online portal. I have had to reach out to them multiple times with the current correspondence beginning on XX/XX/21 and they've so far only provided the 1099 on XX/XX/21, from which it will be incredibly difficult and burdensome if not impossible to generate the appropriate 8949. It is also important to note they transmitted this document to me through email which while convenient, is insecure and against industry best practices. 

I have continued to contact them about this issue and they have mostly ignored me. I am reaching out now to FINRA as a last resort so that I can prepare my taxes on-time. 

XXXX # XXXX
Consumer complaint received 2018-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (CA)

See Complaints XXXX & XXXX. This complaint is added on. I reiterate, my wages are getting garnished at $ XXXX/pay period $ XXXX/month. This is not my loan. 
Secondly, This is on the Department of Labor Website for California : The most that the Department of Education can garnish for a student loan is 15 % of your disposable income, but not more than 30 times the minimum wage. The garnishment paperwork states up to 25 % The minimum wage in California as

of XX/XX/2018, is $ XXXX/hr, 30 times XXXX is {$330.00}, i am losing $ XXXX/pay period. Not sure if the 15 % is per pay period or per month. I need help immediately.

I am submitting a Loan Discharge Application for False Certification to the US Department of Education.
Consumer complaint received 2022-06-15
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. (IL)

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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
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. (PA)

To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (NV)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2022-06-15
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. (ND)

Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of my report. 
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
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

I disputed my loan with XXXX XXXX. They eventually sent a credit correction letter, which they do not honor when I dispute the info with the credit bureaus. I initiated litigation for wrongful repossession in Texas. We are in active litigation. This account was disputed multiple times prior to filing the lawsuit. Every month XXXX reports me late as if this is an open, active account. This means the report never goes away. They have sold my vehicle but have not corrected the initial issue that caused thre dispute. The sale was credited to the overall reported balance. We have finished arbitration and are awaiting the court date. When I dispute it will sometimes be removed by the credit bureaus only to reappear the next month. This has a very detrimental effect on my life. This is also inaccurate as I initiated the dispute prior to the credit reporting and the lawsuit. It should be removed until settled. Or marked as no info since it was disputed, and subsequently placed in litigation. Please have removed from credit reports, with caveat of reporting only if a court rules against me for the balance alleged owed. 

Supporting documents available upon request. Some are covered under attorney-client privilege. 

Thank you.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 302 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 2021-10-22
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MD)

I'm XXXX XXXX, XXXX and trying to make things happen for my family back home, but I'm getting denied based on information from a company I have never heard of called XXXX XXXX. I've tried contacting them to get information and apply a freeze on my report, their phone automatically goes to a voicemail and they never call back. I've called 86 times and left 86 messages and they won't call back. As I've never heard of them, I refuse to send PII to them over the mail or by fax. They need a working phone number so that I can apply this credit freeze.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

I have loans that is not being reported with Equifax. I have spoke to them about this and they tell me to contact the places I have loans with and make sure they report it. I have done that I contacted XXXX Mortgage and XXXX XXXXXXXX. They both assure me they report every month to all credit bureau 's. I even asked to make sure they report to Equifax and they said yes they do and have been. XXXX Mortgage even sent a reporting update letter to Equifax to try and help me. I'm still not seeing it being reported on Equifax website. When i login to there site and get a credit report it shows my credit history is XXXX  years XXXX  months. I have inquiries but my loan information isn't reporting. Its very frustrating gaining inquires and being denied loans because I have no history of accounts on Equifax like I should have.
Consumer complaint received 2021-10-22
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. (CA)

I noticed that Transunion is reporting one inaccurate negative item in my account from XXXX  XXXX, and three inaccurate negatives from XXXX. This is completely inaccurate. I already contacted the Credit Bureau and the Creditors regarding it but they did not give a response on this particular matter. I need your help on this matter.
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went to court with Bank of America and the outcome came with no judgements ( see Part 1, proof of court hearing ). The purpose of the hearing was bankruptcy and foreclosure of the house. Afterwards, I went to XXXX XXXX XXXX U.S. Bankruptcy Courthouse, XXXX XXXX XXXX XXXX, South Carolina  to determine evidence of bankruptcy and foreclosure. No evidence of bankruptcy, liens, or foreclosure was found ( see Part 2 Bankruptcy, exhibit 1b. XXXX XXXX Bankruptcy Certification Verifying Creditor Matrix ) No real estate listed ). The lack of evidence for a bankruptcy, lien, or  foreclosure is congruent with my credit report ( see Part 2 Bankruptcy, exhibit 2c. XXXX  credit report XX/XX/XXXX and exhibit 2a. Credit report XX/XX/XXXX. Also, I received from the bankruptcy department a discharge from the loan Bank of America, Bankruptcy Chapter XXXX and others ( see Part 3, exhibit 2a. Credit Report XX/XX/XXXX ). This greatly impacted my credit for a long period of time. The lien appears against with the property. 
The bankruptcy department that sent me the discharge also sent information regarding the discharge of bankruptcy Case No. XXXX ( see Part 2, exhibit 1a ). These liens are still showing against with the property ( see Part 4 exhibit 6a, 6b, and 6c ). This debt was not listed as one of the debts on my bankruptcy. I have supplementary evidence to support that I dont have a loan in my name. The South Carolina Housing Department declared Applicant is not a debtor on the mortgage. An employee at Bank America determined that I do not have a loan in my name as well. ( see Part 5, exhibits 4a, 4b, 4c, and 4d ). Bank of America reported to me in a letter that I am part of home loan modification program, when I called the home to verify this information the SC HELP Appeal Request, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I was told no information in my name appeared. 
Also, I have submitted a copy of my title to real estate given to me on XX/XX/XXXX. Based on the amount of bankruptcy the debt was increased to a point greater than market value so the title was granted to me ( see Part 6 exhibit 3a Title to Real Estate, 3b Tax Notice, and 3c. Record of the lot ). Attending court for these matters was a confusing and stressful experience, I continue to try to cope with the stress to this day. Please review the evidence above.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a phone call from someone named XXXX in the escalation department. 

Explained to her the purpose of the home retention department is to keep people in their homes. The purpose of the Homeowner Assistance fund is also to keep people in their homes. She just dismissed my concerns.

And said she still had no information about the Home Assistance Fund at BofA as thats a separate department.

I said that makes no sense. Her response if you feel that way. Saying that she minimize any concerns I had about their processes. And I got the impression everyone at BofA could care less. Theres no sense of urgency. They just there to get a paycheck. 

Why tell a customer if you feel that way. Those are the facts she stated. BofA computers do not share information in regard to status of mortgage assistance. I.e. the Homeowner Assistance Fund. All she can do is send an email.

Conclusion : The system set up by Bank of American for home retention that does not communicate with the department handling the Home owners Assistance program negatively impacts the homeowner. And knowing banks and the hot market perhaps for those homeowners living in XXXX with rising home prices and lots of equity like myself, this is being done to force homeowners to foreclosure. The bank takes it bank and sells at a profit. 

Why would any bank have a policy in place where the left hand that on the surface is saying were here to help you stay in your home but the right hand ( the XXXX ) there to help us get back on track delays, and is not allowed to share any information about the status of pending monies or approvals.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.