davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I want to close my Huntington business checking account ( account number : XXXX ). 

I have tried to call Huntington customer service to speak with a representative to request account closure and once I am connected to an individual on the phone, they tell me they are transferring me to the department that handles business accounts and then I am not actually transferred. This has happened multiple times. 

I am unable to visit a physical branch location and have never dealt with such poor phone customer service before. I have closed checking accounts at other institutions very easily via an online portal or over a phone call before. Huntington does not allow any online portal messaging so that is not an option, and I am unable to successfully speak with someone over the phone due to Huntington 's lack of human support for their business checking customers. 

I want my business checking account ending # XXXX to be closed as soon as possible. The account is at a {$0.00} balance and there are no further transactions expected with the account. 

XXXX XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Innovate Managed Holdings, LLC (FL)

My account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via XXXX tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( XXXX XXXX XXXX XXXX XXXX XXXX ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGE when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.
Consumer complaint received 2019-11-28
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. (GA)

XXXX XXXX XXXX XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my XXXX Payment status says charge off Please verify and delete all inaccurate accounts
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I AM SELLING MY HOME AND PHH IS THE SERVICING COMPANY. MY ESCROW OFFICER HAS TRIED ON SEVERAL MULTIPLE OCCASIONS FOR PHH TO SEND A PAYOFF. SHE HAS FAXED AND CALLED. NO HELP FROM PHH WHATSOVER. IF I  DON'T OBTAIN THE PAYOFF THEN I CAN NOT CLOSE ESCROW AND WOULD BE BREACH OF CONTRACT. PLEASE SEE ATTACHED PHH STATEMENT AND HELP ME PLEASE. ALSO, FULL DISCLOSURE, PHH HAS PRE FORECLOSURE ON MY PROPERTY AND THAT IS WHY I'M IN ESCROW TRYING TO SELL.
Consumer complaint received 2023-02-23
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. (GA)

15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.
Consumer complaint received 2023-02-19
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. (NY)

Representatives at XXXX  XXXX sold account ( XXXX ) to Account Purchaser : XXXX XXXX XXXX, XXXX on XX/XX/2017. The methods used by XXXX XXXX XXXX, XXXX were threatening, intimidating, and harrassing. Complaint ID numbers XXXX, XXXX, XXXX, XXXX, XXXX, was submitted via Consumer Financial Protection Bureau. 
12 CFR 226.13 ( a ) : XXXX  XXXX Services violated the Fair Credit Billing Act by refusing to acknowlede the dispute within XXXX ( XXXX ) days pursuant to 15 USC 1666 ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX XXXX refused to provide written explanations or reports following investigations pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; refused to produce documenation as evidence within 90 days pursuant to 15 USC 1666 ( a ) ( 3 ) ( B ) ( ii ) ; added restrictions to the account a total of ( 3 ) three times pending a resolution pursuant to 15 USC 1666 ( d ). 
FAIR CREDIT BILLING ACT VIOLATIONS include : 12 CFR 226.13 ( d ) ( 1 ), 15 USC 1640 ( a ) ( 1 ) & ( 2 ), 15 USC 1611 ( XXXX ) & ( XXXX ). XXXX XXXX received private negotiable instruments, also referred to as transation credits, from XXXX XXXX XXXX in the approximate amount of the alleged debt plus additional payments resulting in a bank liability. Consequently, there is no debt on the account and the claim was disputed. XXXX XXXX XXXX XXXX has been denied credit lines, business loans, personal loans over XXXX times since XXXX due to XXXX XXXX  errors, libel and slander causing hundreds of thousands of dollars in damage.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

I am a victim of Identity Theft. 

XXXX is reporting a collection through Diversified Consultants XXXX for {$1800.00} that is not mine. 

Police Report has also been filed : Report number is : XXXX I have tried contacting XXXX, Diversified, XXXX, XXXX and XXXX and am not getting this account researched and resolved. 

It is preventing me from getting the credit I deserve and needs to be deleted right away.
Consumer complaint received 2019-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. ()

I had an established loan with The XXXX XXXX XXXX company. About 5/6 ( XXXX ) months ago, I reached out for a payoff quote, in an attempt to close out the loan. About a month passed and I noticed that there was no response from them. So I went online only to find out that they had went out of business and some company by the name of Systems and Services Technologies , Inc ( " SST '' ) was the loan servicer for your XXXX  account. They had email/phone number for contacting purposes. I've reached out several times in attempt to reach them and close out my loan. So this month ( XXXX ), I decided to stop my payment to them since there's no way of contacting them and I had absolutely no idea where my money was going and how long this process would continue. Last week I received an email from the same company, whom I've been trying to get in touch with for the last 5/6 months, informing me that my account would be reported delinquent to the credit bureaus if I didn't resume payment. Of course they included a contact number to reach them. Called the number numerous times and an automated voice answers everytime with, Were experiencing technical difficulties. 

I definitely do not need some erroneous company screwing up my credit report. I need some involvement from you all to ensure that this does not happen.
Consumer complaint received 2023-01-20
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance
Consumer complaint received 2019-10-14
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. (FL)

I made an agreement with XXXX XXXX to pay off my account in full when I told them that i needed credit consulting due to a hardship. I called back to pay the {$1500.00} that was agreed. Intermittently the account was sent over to their collection agency and I was told XXXX XXXX could not help me. I was told by the collection agency that they would report it as paid to XXXX XXXX and it would reflect as paid on my credit report in 30 days. It has been 4 months and after 3 disputes its still showing as a charge off in my account status portion of my credit.
Consumer complaint received 2019-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

I reached out to American Education Services ( AES ) on XX/XX/2019 to get copies of my payment history on all of my student loans. I am being sued for {$8400.00} by a different carry, XXXX XXXX XXXX XXXX XXXX, for a loan I confirmed I made payments on through American Education Services. I talk to a representative on XX/XX/2019 at AES and they said they had to mail me the transcripts. After 2 weeks, I still had not received the transcripts. I reached out again to AES and a gentleman named XXXX told me the system showed that the transcripts of my payment history were mailed. To this date, I still have not received my payment history from AES. I need this information in order to prove to the current company suing me that I have made payments.
Consumer complaint received 2023-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NC)

On Mon, XX/XX/2023 at XXXX XXXX  XXXX XXXX XXXX wrote : My account should of been unsuspended due your company errors. This has been going on now since XX/XX/2023, with nothing but the run around due to someone tried to use my affirm debit account for the amount of {$44.00}. Now my account suspended due to this. I have uploaded my ID to identify myself still have not heard from anyone. Now affirm debit fraudulently took {$110.00} from my suspended account with the attached bank statement showing it was taken on XX/XX/2023, which I did not authorized. Also for the same account affirm debit account a refund was given by XXXX for the amounts of {$18.00} and {$48.00}. My total contract amount was {$110.00} and with a refund of {$18.00}, {$48.00} from XXXX back to the aff rim debit account and also debited {$110.00} from my bank account. The company is holding my refund of {$61.00}. I will be filing a complaint with the XXXXXXXX XXXX XXXX and also to my bank. 


I expect for this matter be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX On Sat, XX/XX/2023 at XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting Affirm. 

We are excited to confirm we have received your request to recover your Affirm account. We understand how important it is to have access to your account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that expires in 3 days. You will need to submit clear photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 7 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any additional questions or concerns, please contact us through the Affirm Help Center at affirm.com/help or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX and XXXX XXXX  XXXX seven days a week. Thank you and have a wonderful day! 

Sincerely, XXXX XXXX. 
Affirm Help Center
Consumer complaint received 2023-02-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, bank of america, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.
Consumer complaint received 2023-03-01
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 charge {$1900.00} i went to XXXX  with XXXX XXXX we were going to rent an office together. The guy said only can rent. I begged for an exception and tried signing on an office lease. Then i paid {$1900.00} which was deposit and part of XXXX because XXXX wanted to work a few days in XXXX. The lady gave us keys. Then she read rules and somehow she said XXXX was the only lease holder. I said i thought i was on lease. She said no. I was tricked so the salesman at met could make a commission. I emailed the guy a lot even asked for a calif 3 day cooling off law to get a fund or get a smaller office by myself with the money. He only catered to XXXX XXXX. I filed fraud at chase. The investigator from chase told me to do a dispute. I called dispute and told them what happened twice and they said theyd take my case but i had to call back because of work. I called chase and a mean lady answered and said shed never let me file a dispute there. She said she will make sure of it. So i was unable to dispute and recover my funds.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2017 I went to a XXXX car dealership and completed an application to finance a vehicle. I specifically informed them that I would only go through XXXX XXXX XXXX for financing and no one else. They ran my credit through their dealership, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX Auto, and XXXX XXXX. These all counted as " HARD INQUIRIES '' affecting my credit score. I attempted to resolve with the dealership to no avail. I then contacted all three credit reporting agencies, XXXX XXXX, XXXX and Experian to explain and they stated that because my credit was ran, it was a hard inquiry. They would not assist in giving me any contact information for these agencies nor were they willing to recognized that for a situation like this, the inquires should be counted as one because it was for the same event - purchase of a vehicle from the same location who was running my credit.
Consumer complaint received 2017-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I went to a Bank of America branch to talk about getting a home equity loan. I described my situation in detail ( I needed money to renovate a home that my brothers and I had just inherited so that we could put it up for sale ; the house is held in a family trust ; BofA holds the existing first mortgage on the house ). I gave the banker a lot of information to get the paperwork started but I did not sign anything authorizing a credit check. However, the next day both my husband and I got notices from our credit monitoring service that our credit had been checked by BofA. One day later, a BofA rep called to get more info for the loan and in the course of that conversation I explained ( again ) why I needed the money. She put me on hold for a while and then came back and told me that the first bank rep had made a mistake and BofA would not loan money for a renovation in order to sell a home. I said I wanted to lodge a complaint and get the credit inquiry removed from our credit reports, since there never was any chance that we would be getting a loan. She gave me contact info for her supervisor and several days later I was able to reach him. He was apologetic but when I asked why our credit was pulled before we 'd given authorization he did n't have a good explanation, and when I said that I wanted the bank to contact the credit reporting agencies to get the loan inquiries removed from our credit reports he said he did n't think that was possible. That 's crazy. If BofA checks our credit without written authorization when they do n't even offer loans for our particular situation, then they should have to remove that credit inquiry from our credit reports so that it does n't affect us later on. The supervisor was very nice and kept saying " I promise this wo n't affect your credit '' but I do n't think I should have to rely on his promise -- I want that bogus inquiry removed! 

On top of this, the first banker misrepresented the loan costs to me when I was in her office in two different ways. First she said that it had a introductory rate of 2.99 % during the first year, but much later, at the end of our appointment, she said that the 2.99 % rate was not guaranteed for the first year and that it could vary. When I tried to get the details of how it might vary, she just kept saying, " Do n't worry, it wo n't vary. '' In addition, she neglected to mention the " Early Closure Fee '' for keeping the account fewer than 36 months that is described in the paperwork that arrived at my home a few days after our meeting -- despite the fact that I had been very clear about only needing the loan for about 4-6 months.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (PA)

Account info Account name PHEAA/FED LOAN SERV Account number XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B