davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We added a XXXX XXXX to our insurance XX/XX/2022. Our property taxes went up in the fall. I assumed the change the payment reflected any and all changes to our escrow. However when the home owners policy renewed the escrow was short {$190.00}. Huntington saw that but didnt pay it and never sent any notice of the shortage to me. I got a letter from the home owner policy that we were being canceled in 7 days due to non payment. I called the bank and no one can tell me what happened or why I not received any notices for adjustments to my monthly payment to cover the changes to the escrow/insurance. I can not get anyone to explain why its. It working and was told to check on it throughout the year myself. I had to ask for another loan analysis to try to calculate the correct mortgage payment to avoid another shortage.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (NC)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerningthe individual about whom the report relates. 

I sent a letter XX/XX/XXXX asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX XXXX XXXX. I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXXXXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX XXXX XXXX I have never had this account. The reporting of an open account, date last active, date of last payment is incorrect. This is not an accurate account. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

They have not responded to me. I have a copy of all of my letters. Can you please take a look into this as this is affecting my life. Nothing has been modified or updated. I requested a description of the investigation and did not provide it to me. This is a violation of 15 USC 1681I7
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

To Whom  It May  Concern, For th e 2nd  year in a row, Nationstar Mortgage has paid for Flood Insurance on a property unnecessarily. T he Flood Insurance  is paid for by my HOA and I have produced the necessary documentation, multiple times, to  Nationstar p roving that the policy was paid. Regardless, they paid for a new policy -- not just once, but, twice -- at the cost of {$430.00} each time!! I was able to get a refund from the insurance company for the  2nd p ayment of {$430.00}, however, they are not willing to refund the first payment. Nor should they have to. The fault for this resides completely w ith Nationstar and they have admitted that I should  be refunded my money and then later refused to do it. At this point, keeping my money is equal to theft. They made the same mistake last year, and after I filed a claim with the BBB, they eventually refunded me my money. How they can make the same mistake again this year and not give me back my money is unbelievable.     *  XXXX / XXXX / XXXX  -- proof of Flood Insurance on the property was provide d to Nationstar ( fa x confirmation is attached to this complaint ) *  XXXX   XXXX  -- the proof of flood insurance was provided again to Nationstar * From  XXXX  &  XXXX  -- MANY MANY conversations with the customer service group, the escrow group, insurance people, etc.   *  XXXX / XXXX / XXXX , a representative began emailing me.   *  XXXX / XXXX / XXXX  -- I was told that a refund ( for {$430.00} ) was being requested and would be paid by  Nationstar to m e.   *  XXXX / XXXX / XXXX  -- I was told the refund was denied. I was told this only after I inquired because I had received, another, erroneous escrow statement and I still had n't seen the promised refund.     I need help forcing this large company to STOP STEALING FROM ME.     I am beyond aggravated and would like to see this company prosecuted for criminal theft.     I appreciate any help you can provide.     Sincerely,
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TN)

My mortgage was bo ught by Nationstar  from  XXXX   XXXX  in  XXXX . M y Trust  handled by my attorney set up automatic payments through my bank not through    Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage  Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a  XXXX  $ loan done by dad is too high. This was an inheirted predatory loan by  XXXX   XXXX  done in  XXXX  with my dad. There are  3yrs m issing from the loan. I have documentation shows  XXXX  not  XXXX , payments are missing that I have receipts for, I have ample evidence from  XXXX  including newspaper articles, insurance papers, government papers all showing the Mortgage in  XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by  Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from  XXXX   XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from  XXXX   XXXX , I still have documents not signed by my dad. He passed in  XXXX .  XXXX   XXXX  wanted me to proceed with a modification after his death under his name and I  XXXX ! ined. Now since  XXXX  did this, instead of refi I 'm  6months  in to a modification. Still waiting.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (MD)

CURRENT CREDITOR : TD BANK USA, N.A.

ORIGINAL CREDITOR : TD BANK USA, N.A. 
REGARDING : TARGET CREDIT CARD CHARGE-OFF DATE : XX/XX/XXXX TOTAL BALANCE DUE : {$700.00} I received a letter from TD bank and they are stating I owe a balance through target credit card. Ive never open a target credit card. I filed for bankruptcy end of XXXX beginning of XXXX so when this card was open I was unable to establish any kind of credit because of my bankruptcy. I do not own a XXXX XXXX or target. Recently I have been to XXXX XXXX times for XXXX and fraudulent case was closed and I won. Please let me know what else is needed. I confirm this account is not mines and I did not open this account.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratin XXXX XXXX XXXX XXXX Account number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-10
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. (CA)

I am filling this grievance as I've exhausted all options to have my payment history corrected on a close XXXX XXXX mortgage loan reporting to Equifax only. I sold my home which recorded on XX/XX/XXXX per attached released with XXXX XXXX loan funding in XXXX. I had my credit pulled XX/XX/XXXX. My closed XXXX XXXX mortgage loan was reporting as 30 days late for XX/XX/XXXX which is incorrect. Thinking the issue was corrected I had my credit pulled a again on XX/XX/XXXX. The 30-day late has moved from XXXX to being 30-days late XX/XX/XXXX. How is this reporting when the loan funded and closed XX/XX/XXXX. I have reached out to XXXX XXXX who advised they are not reporting any Negative history on my loan and this is an Equifax issue.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK PUERTO RICO (PR)

Complaint XXXX XXXXXXXX XXXX XXXX, is a corporate entity doing business legally in XXXX XXXX with the corporate registry number XXXX. See attachment A On XX/XX/2021 one of the authorized officers of the Corporation, XXXX XXXX, requested a stop payment from First Bank to stop any payments regarding the check number XXXX. Check XXXX, at that time, was losXXXX XXXX XXXX XXXX payed First Bank for that service to stop any payments of check XXXX. See attachment B ( authorized officer ) and attachment C ( request for stop payment ) Nonetheless, on XX/XX/2021 we received the bank transactions and notice that check XXXX was in fact payed to a third party for the amount of {$7000.00}. See attachment D After noticing the transaction, we immediately submit a claim to First Bank in order to know the reasons as why they payed check XXXX even when we did in fact requested a stop payment. 



On XX/XX/2021 we received a letter from First Bank stating that after reviewing the complaint and making a thorough investigation that did no find any stop payment for check XXXX. See attachment E On XX/XX/2021 we submit a letter again inquiring why they payed a check which we did not authorized payment even when we did requested on a timely fashion a stop payment for check XXXX. It did not make sense that they did not found a stop payment on their systems even when we do have the evidence of such request. See attachment F On XX/XX/2021, we received another letter from First Bank of Puerto Rico stating that after investigating their records, now they did not have any record of such transaction paying the check XXXX for the amount of {$7000.00}.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Repeatedly have tried to check my score with Experian online and every time I get an Ooops something went wrong screen. When I try to call the number provided on that screen I get a bot who tells me I am unable to be verified and then hangs up. Incredibly professional. 

The ooops is that these report agency are likely captured by the same bullying and arbitrary tactics that run almost all institutions and organizations and considering how many times Ive complained and nothing changes I imagine The CFPB also affected. 

With no credit opened since my bankruptcy discharge in XX/XX/year> my credit score should slowly creep upward rather than show drastic drop 4 months later. This is fraud and it affects peoples livelihood and as long as the person recieveing this complaint gets paid for their time doing so, nothing really changesbecause no one cares as long as it is happening to someone else. Too bad that means it will eventually happen to us all.