davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I received a letter from my mortgage holder, Huntington National Bank, that I was delinquent on my mortgage by the amount of {$4800.00}. I called Huntington and informed them, I have made my mortgage payment of XXXX on time every month and could provide proof payment. They informed that in XXXX of XXXX, an escrow change was made and my payment had gone up {$380.00} and I had not made the correct payment and therefore, was behind. I explained that I had not received a notice of this change. The employee said he would look into it and call me back. Later that day, I called Huntington again, this time I was put on the phone with an employee named XXXX. XXXX refuses to give me his last name. XXXX has told me that Huntington has sent me notices and statements, I owe the balance of the escrow, late fees, but refuses to tell me if this has affected my wife and I'd credit. I asked XXXX if Huntington could prove they sent me the notices and statements to the correct address. He said he could not. I then drove to an actual physical location and spoke to XXXX XXXX XXXX : XXXX. I told him that I had not received any notices that my payment had changed and I would like to pay the difference, but since I never received a notice, I didn't think I should have to pay late fees and would like any negative reports to our credit removed. He looked in his system and said that Huntington was sending the statements to the wrong address. He said I would need to call Huntington and ask them to care of it because he couldn't do it there. I called Huntington on XX/XX/XXXX and was put back on with XXXX who reiterated that Huntington had sent all the statements to the address in their system ( it was changed by XXXX XXXX the previous day ), that I would have to make the payment as is, he would not remove the late fees, and I would need to handle the negative credit report on my own -- which has dropped XXXX points. On XX/XX/XXXX, I paid the amount Huntington had for my balance due, {$2400.00}, as stated on their website, in order to avoid anymore negative reporting.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SG and Associates (FL)

I CONTACTED THEM AND THEY TOLD ME THAT THE DEBT WAS MINE BUT THEY HAVE A DIFFERENT SOCIAL AND WRONG ADDRESS. THEY WERE THREATNING TO ARREST ME AND SAYING THAT THEY WERE CALLING FROM ATTORNEYS OFFICE THEY CALLED MY JOB- MY NEIGHBORS OLD FRIENDS FAMILY MEMBERS ETC. THIS NEEDS TO STOP
Consumer complaint received 2022-01-21
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: AXOS FINANCIAL, INC. (CA)

Hello, Today on XXXX i was alerted that there were XXXX hard inquiries on my credit report. i never authorized these inquiries and would like them to be removed from my credit report as soon as possible, thank you so much. 

XXXX - XXXX XXXX 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 2024-02-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I am writing to you regarding an erroneous entry on my credit report that I have been attempting to rectify without success. Upon reviewing my credit report, I noticed a collection account from [ Rental Company Name ] that does not belong to me. After numerous attempts to dispute this fraudulent entry, I am disappointed to see that it still remains on my report. 

I would like to bring to your attention that I have been a victim of identity theft, and I have taken all necessary steps to address and mitigate the consequences of this unfortunate incident. I have filed a police report [ Metro 2 Code : F5 ] and have provided all relevant documentation to support my claim of identity theft, and police report.

As per the Fair Credit Reporting Act ( FCRA ) 1681i, I am entitled to a prompt and thorough investigation of any disputed information on my credit report. However, despite my efforts and the requirements outlined by the FCRA, the collection account from [ Rental Company Name ] remains unresolved.

Additionally, under the FCRA 1681s-2, furnishers of information to consumer reporting agencies ( CRAs ) are obligated to provide accurate and complete information. It is evident that the erroneous entry from [ Rental Company Name ] violates this provision, as the information is inaccurate and does not pertain to my financial history. 

Furthermore, as per Metro 2 guidelines, I request that you investigate this matter thoroughly and remove the erroneous entry from my credit report [ Metro 2 Code : N3 ]. The N3 code indicates that the furnisher failed to respond to my dispute within the required timeframe, further emphasizing the urgency of rectifying this matter. 

I understand the importance of maintaining accurate credit information, and I trust that you will take the necessary steps to rectify this issue promptly. I urge you to adhere to the FCRA provisions and Metro 2 guidelines to ensure the integrity of my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the fraudulent collection account from my credit report.
Consumer complaint received 2024-02-14
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. (LA)

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  Acct XXXX XXXX, and XXXX XXXXXXXX Acct # XXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated 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 an account without my written instructions.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (IL)

I have been working with NACA since XXXX of XXXX as part of their home buying program. I have given them total visibility to my entire financial history. They have pulled credit reports, employment history, mortgage history and household history. They have received tax returns, bank statements, credit card statements, voter registration, social security cars, drivers license, student loan info and the lists goes on and on ... This organization has done nothing to assist me in the home buying process. I have been through underwriting multiple times only to be given unreasonable conditions or flat out denied. On yesterday XX/XX/XXXX, I was told that because my previous mortgage was not paid on or before the due date I do not qualify for their program. My mortgage was never reported late because according to the law I have 30 days to pay which keeps it in a current status. This means it is not delinquent. My credit report shows 7 years of no late payments. After months of back and forth with NACA and me paying off thousands of dollars of debt they are still denying me because they see on the required mortgage statement that my payment was not mad on or before the 1st of each month. 
I feel like this organization is purposely making it difficult for me to purchase a home using the benefits they offer and advertise. It may be my XXXX  or XXXX, it could be my job title or it could be the area in which I desire to live. One thing for certain it is not because I don't meet the general program qualifications. I have worked to provide all that they have asked for as a participant to prove that I can sustain a mortgage.
Consumer complaint received 2019-08-07
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: Advanced Resolution Services Inc. (GA)

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NJ)

My husband and I refinanced with NewRez in XX/XX/XXXX. NewRez held our previous mortgage which began in XX/XX/XXXX. At that time, we were given an estimated new monthly payment of {$3200.00}. We understood that this amount could change slightly as it was an estimate and it certainly would be impacted by any significant changes in our taxes. The taxes on this property have not changed significantly in over 10 years and remain steady at present. 

It has recently come to our attention that NewRez was grossly negligent in estimating our new escrow payment at closing in XX/XX/XXXX. We were estimated a monthly escrow payment of {$840.00}, which we have paid. This failure has created an almost {$3000.00} deficit in our escrow that was only flagged and acted on due to the annual escrow summary. NewRez failed to catch this error during the refinancing process, during closing in XX/XX/XXXX, and every month until XX/XX/XXXX. As such, we as consumers had no ability to adjust our finances in real time to account for NewRez 's error. Instead, NewRez allowed the error to stand and now wants us as the consumer to bear the burden of a grossly inflated monthly mortgage payment of {$4500.00}. Additionally, NewRez wants us to bear the burden of making up the {$8200.00} deficit created by their own negligent estimate. This means we would be absorbing an additional {$680.00} per month on top of the corrected escrow amount of an additional {$580.00}, for a total of {$1200.00} more per month than we were previously estimated and paying. To summarize, our payments were estimated to be and have been {$3200.00}. The new monthly payment is expected to be {$4500.00}. 

Our monthly estimate at closing was {$3200.00}. We should have been estimated {$3800.00}. This 20 % increase is beyond what a reasonable person would expect an estimate to shift. There is no other way to define this practice other than to call it predatory lending. Had we received the correct estimate, we may have opted not to refinance or may have gone with another lender. NewRez knowingly took away our ability to make a sound financial decision. And since their estimate was grossly deflated, our monthly payment is now estimated at {$4500.00}. 

I reached out to NewRez by phone on XX/XX/XXXX to file a complaint. I was told by a supervisor, XXXX, that our conversation would constitute a complaint. When I didn't receive any contact after 2 weeks, I called again on XX/XX/XXXX. At this time I was told that the complain was submitted but NewRez protocol is that a response is not provided. I was also informed that the complaint would not be followed up on until I write a complaint and then I would get a response in 5 to 7 days. I submitted the complaint on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that my new monthly payment would be {$3900.00}. There was no explanation in the letter as to how or why this payment was calculated but it remains {$130.00} more than what our mortgage payment should be.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I called in on or about the last week of XX/XX/2021 to dispute some fraudulent information on my credit report. I was told to send in a police report, copies of SS and as well as ID which I faxed in all documentation and everything that was asked. I received a letter dated XX/XX/XXXX that they need the same information that I had just faxed in and told me my police report wasnt good enough. I called Equifax on XX/XX/XXXX and spoke to a very rude representative who was supposed to connect me with a supervisor but hung up on me. This is not the first time this has happened to me with this company and it seems to be a ongoing problem.
Consumer complaint received 2022-12-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (TX)

Received a phone call from company letting me know that an amount of {$980.00} for my car was due. I immediately paid the amount once I took the phone call with the company. The phone calls stopped for a week but started to continue again. I let the company know that I had paid the amount and that the due amount was clear. They told me that they would look into the situation and that they would give me a call back. When they called me back I would, on multiple occasions, answer only to hear someone hang up the phone line on the other side. This happened multiple times over a week. I was then calling the company the following weekend to let them know that the billing error was never resolved. They did not pick up the phone due to them being " Too Busy '' as their automated system says over their recorded line. I woke up the following morning to my car alarm going off and quickly ran down stairs. I saw my car on a tow truck and asked what my car was being towed for. They let me know that they worked for the company in question that they were a hired XXXX. I have never done business with this XXXX and never signed anything giving him the right to seize my vehicle. I then called the company once again to try and figure out this situation and why there was no due process before taking my vehicle. They did not answer the phone call due to them not having any staff to answer calls on weekend. I then called again the following weekday during business hours and they let me know that they could not let me know anything about the vehicle due to the fact that nothing had been put in their system for a full 48 hours. I still have no answers for my vehicle I have called 3 more times to see if someone else could assist me without any luck.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

I opened up a Citi Priority Savings account online ( statement attached ) the end of XXXX. When I went to check my account, I was told it was " locked '' but no-one could tell me why ... ..not " new accounts '' nor " fraud '' department. I was told it was a " security '' issue. On XX/XX/XXXX, {$5000.00} was debited from my account, so I assumed a check was coming to me ... ... ..nothing ever arrived! I have called numerous times, but unable to get any information from anyone. At first I was told I had to wait 30 days, then 60 days ... ... but still no check or concrete answers. There are no physical offices in MA or RI. 
Do you have any contact with Citi? How can I get my money? 
Thank you, XXXX XXXX
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I took my 2010 XXXX in to Tires for less for a flat tire. The worker showed me a tire that he said was {$74.00} dollars and then asked him if he had XXXX of them he showed me both tires and we agreed to do the work. I then went to lunch and when I came back the car was complete. I inspected the car paid and drove off. When I got home I noticed my account was charged {$540.00} dollars which we did not agree on. I then went back and he said that it was nothing he could do. I then called my bank and disputed the transaction and they said I needed a receipt but the merchant never gave a receipt.
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I want to close my checking account with XXXX. I transferred the money out of the account over a month ago and have tried to close it ever since. Every time I call, the hold time is ridiculously long ( over an hour ) and I never get connected. I tried to sign up for a call-back on the website, but it says " no time slots are available. '' There does not seem to be any other way to contact the bank other than to visit a branch, which I can not do because I have a full time job ( not to mention issues regarding XXXX ). It is ridiculous that the company is making it impossible for me to close the account. As a result, they have charged me a monthly fee and I now have a negative balance because they have not allowed me to close the account in a timely manner.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.
Consumer complaint received 2022-07-07
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. (PA)

I have contacted the reporting agency every month since XX/XX/2021. In accordance with the fair credit reporting act XXXX XXXX Acct XXXX XXXX Acct XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 states, I have the unchallenged right to privacy.

15 USC 1681 Section 604 A Section 2 states, it a consumer reporting agency can not furnish an account without my written instructions. I have not provided any written instructions 15 USC 1666 B states, a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I disputed that my charged-off XXXX XXXX XXXX credit card was too old to still be on my credit report and should be removed. According to Experian Report Number : XXXX, Date Generated :XX/XX/2021, the results state that this tradeline should only remain on my report until XX/XX/2021. It's now XX/XX/2021, and it's still showing on my credit report. Unable to file updated dispute with Experian as they says its too recent from the last dispute. Please assist! I want this negative tradeline removed from my Experian file.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After reviewing my report I noticed unauthorized inquiries on my report. 

I am DISTRESSED as a result of these reportings as they could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiries be removed IMMEDIATELY as these were not inquiries initiated by me and are not mine : XXXX | XX/XX/2022 XXXX XXXX | XX/XX/2022
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

Southwest Credit System XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In the amount of {$1800.00}. I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.