davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Re : Selene Finance Mortgage loan # XXXX I was the primary borrower on a mortgage loan with Selene Finance. The co-borrower on the loan, my mother, passed away before the loan was paid off, she was also a widow. I paid the home off XX/XX/2022. The escrow reimbursement check was issued by Selene Finance XX/XX/2022, and sent to me in both names. 

Because my mother died with no assets, no will and no bills, the XXXX XXXX FL probate office refused to open probate or an estate and appoint an administrator as there was no need. 

My warranty deed to the property for which the mortgage loan was granted, is a survivorship deed granting any owner/co-owner of title the right of survivorship and property in case of the death of any co-owners without circumstance from other family members or persons who would feel they had claim to the deceaseds assets. In light of all this, On XX/XX/2022, I returned the check and included a certified copy of her death certificate and a letter of explanation and request, asking Selene Finance to reissue the escrow check in my name alone as it could not be cashed with her name on the check. The documents were received by Selene Finance on XX/XX/2022. To this date of XX/XX/2022. I have not received a new check. 

I have emailed Selene Finances customer service department multiple times only to get form letters back by postal mail stating they received my communication and by law they had 30 days to respond but with no updates or explanations. Thats all that I have received back to date. I have called customer service multiple times only to stay on hold 30 mins or more and then be disconnected. 

I feel that nearly 5 months is way more than long enough for Selene Finance to have reissued the check with the evidentiary document presented to them and the original check back in their possession. 

At this point, they are in possession of money ( {$1100.00} ) that does not belong to them but belongs to me, and it seems they are refusing to cooperate ( even in response to the possibility of legal counsel involved ) with the request of the reissuance of the check in my name alone. This neglectful or willful inaction and uncooperativeness could be construed as theft. It may not seem like a lot of money to them but it is to me because it is needed to pay my property taxes for the 2022 tax year.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (AL)

Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit report.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I am submitting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below are the list of accounts need to fix : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX  XXXX Balance Owed : {$210.00} ; XXXX XXXXXXXX XXXX Owed : {$7100.00} ; XXXX XXXXXXXX Balance XXXX : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXXXXXX Balance Owed : {$3400.00}.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I paid Lexington law to dispute the balance owed on XXXX XXXX child support fees owed they said they took care of it and I know now they didnt do anything because I keep dealing with my license get suspended for past owed amounts I have called XXXX XXXX over and over because of this I have had time with my daughter taken for the suspension of my license witch has happened multiple times and I am not sure what to do this is my story my daughters mom and I split up and I called XXXX XXXX 6 months before a case was started to establish the support when they started taking the money out of my checks I was somehow behind XXXX dollars in total I have paid XXXX dollars for this I have the statement of what is owed the reason anything is owed is for the weeks I have my daughter witch I travel out of state for I owe a total of XXXX I will send pictures of the statement of my most recent statement from XX/XX/XXXX and I have learned that XXXX XXXX child support department has a mandate for you not being able to take them to court for not doing there job you have to take the whole state to court and all I have ever asked is for them to do there job this has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emotionally my name is XXXX XXXX and I dont know what to do about this please help
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (IL)

I have inquiries on all three of my credit report, that I did not approve of. ( inquiries Below ) XXXX XXXXXXXX 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 Experian 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 2024-08-19
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)

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you this information as they explicitly stated that they don't report information to anyone. 

But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Consumer complaint received 2022-12-05
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: Retail Merchants Associates (LA)

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$200.00}
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENOVA INTERNATIONAL, INC. (DE)

Account opened with company on XXXX XXXX XXXX, with my social security number which is also my credit card pursuant to 15 USC 1602. I am notifying the company of a billing error on all past, present, and future statements. The company has failed to credit properly my consumer account. I am making the company aware of their requirements as a creditor and I do in good faith expect them to resolve the billing error as the federal law describes.
Consumer complaint received 2022-12-05
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: Nationwide Recovery Systems, Ltd (LA)

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the conditions of the FCRA I am allowed a fair and accurate credit report. Please see details below : Nationwide Recovery SY XXXX XXXX in the amount of {$270.00}
Consumer complaint received 2023-03-30
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. (NC)

I was going through my credit report, and I am concerned about several inaccuracies and incorrect reporting that is now affecting my ability to accurately and effectively use my consumer credit. 

Per FCRA regulations 15 USC 1681 ( a ) ( e ) 15 USC 1681 ( i ) ( 7 ) 15 USC 1681 ( g ) The following late payment accounts should be removed per FCRA 15 USC 1666b, 15 USC 1681a ( 2 ) ( a ) ( i ) XXXX  acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX Please remove these accounts based on current FCRA laws and inaccurate reporting. 




XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: INTERIM CAPITAL GROUP, INC. (IN)

I was notified this month about an order to appear for individual judgment. I was unaware of what this was about and called the court office. The clerk informed me this was regarding : XXXX XXXX  for the amount of {$580.00}. The clerk mentioned it might be easier to deal with the issue than getting garnished. On XX/XX/XXXX, I called the law firm of XXXX XXXX XXXX, attorney for the plaintiff. This was my second call to them since XX/XX/XXXX, when I learned about the alleged debt. I do not even have this debt on my credit history. 

On XX/XX/XXXX, I called to see what arrangements could be made. I was told on XX/XX/XXXX that they had an order to garnish my wages, so I could either go to court for the garnishment on XX/XX/XXXX or make arrangements with them. With both calls, the same woman answers, and I never know anything about this attorney, nor does she answer as an attorneys office. The amount on my court paper is {$990.00}. During the call, I was asked about my wages and what arrangements I would like to make. I was told that due to my wages, I would have $ XXXX taken out for garnishment. I offered an amount to settle on since they said nothing else could be done. That {$500.00} offered was denied. The woman said the client would not accept such a low amount. She then told me the amount of the alleged debt was {$1500.00}, which includes an 8 % annual fee since XXXX. 

I told her that is not the amount I saw before me, and she told me the courts gave me the wrong information because they never included the 8 %. I said that amount was ( explicit ) crazy! she threatened to hang up on me if I cursed again. She said to make smaller monthly payments that I feel comfortable with, and I would have the option to call them if I can't make the payment versus having a garnishment and not having this flexibility. She also said that they would go back to the judge and ask to continue with the garnishment if I did not make a payment on the agreed amount. 

I told her I could pay {$20.00} a month. I told her that due to my permanent XXXX, this amount is doable. She accepted the offer. However, she realized I said {$20.00} and not {$200.00}. She got upset and told the client would not take that ; she started she had wasted 20 minutes of her time talking to me and hung up the phone. 

I do not feel that I am dealing with a lawyer as the name and contact information shown on my court order. It was unfair to accept my offer and then refuse it based on her mishearing. I was unaware of this even going to court. I was diagnosed in XXXX with XXXX XXXX XXXXXXXX and have been consumed with medical issues and XXXX. I recently had a XXXX  and am still dealing with health issues and XXXX. This judgment was made without my knowledge ; they have threatened to withhold {$600.00} from my wages, caused emotional distress/anxiety, and treated me unfair and rude during communication.
Consumer complaint received 2024-12-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Details- Account # XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing in regard to the account referenced under the name XXXX XXXX XXXX with your company. While I am not disputing the details of the account or its balance, I would appreciate your assistance in providing the following information for my records : The date of the first delinquency on the account. 
The date of the first payment made on the account. 
The date the account was charged off. 

I would be grateful if you could provide this information at your earliest convenience. Please feel free to contact me if you require any additional details or documentation from my end to process this request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-22
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: Velocity Portfolio Group (OH)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies have NO permission to report anything using my info pursuant to 15USC 1681 4. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 169215 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 
CKS PRIME INVESTIMENTS LLC is in violation. As stated in my previous complaint against this company who Ive never heard of or have Ive ever done business with is continuing to Harass me by attempting to collect on this alleged debt. As I requested before this company has ignored my requests to Cease and Desist all communication and collection efforts regarding this alleged debt.Instead they ignored all of the laws theyve broke and insisted that I reach out to them to discuss this matter in their previous response. There is nothing to discuss. CKS PRIME INVESTMENTS LLC has failed to provide me with any documentation that shows Ive provided consent to furnish this damaging information onto my consumer report. CKS PRIME INVESTMENTS LLC has sold this alleged debt to another company named XXXX who is now sending harassing letters to collect a debt that Ive previously requested to STOP! Attached is a letter I received from XXXXXXXX XXXX XXXX XXXX XXXXXXXX instructing the CRAS to remove this account tradeline from my consumer report.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have discovered that XXXX XXXX XXXX XXXX XXXX. That XXXX departments are reporting to the credit bureaus. XXXX in particular is Equifax and I submit proof of the alerts. 
I found that the dispute department at XXXX XXXX XXXX XXXX. They were reporting past due delinquencies on a paid off and closed Auto loan. 
Therefore creating XXXX to XXXX  days past due delinquencies. Some how I disputed this with the loan service department. They modified and updated the error in findings. See Attached Document. 

This account is reporting to XXXX as XXXX  days past due. This account also has different last update on XX/XX/2023. Equifax is also reporting not more than XXXX past due payments. Having a different last update of XX/XX/2023. Equifax was still receiving information on a paid off and closed account for XXXX consecutive months. 
Hence the delinquency being my complaint. XXXX reports paid account satisfactorily with know delinquency indicated. 

I have attached the proof of one account reporting twice. At the same XXXX time with conflicting damaging status payment information. Along with that I have attached a confirmation updated information. That was mailed from Equifax informing me of XXXX XXXX XXXX XXXX XXXX results from the dispute. I took the liberty of attaching the account payment History. That clearly shows the closes account was still being reported. After XXXX department closed it out and the other continued to run over into delinquencies of past due late payments. 

Lastly, I file a dispute with the dispute department that's reporting the past due delinquencies after the account was closed in another department within their own company. I ask that this finally resolve this problem I've been disputing for XXXX months. Please fix this problem so that I put this ordeal behind me at last. 

Respectfully XXXX XXXX XXXX
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

XX/XX/2022 mailed correspondence to Homestar Financial Corporation, with a complaint, requesting forward flow agreement, also stating I was uniformed on the use of credit, Pursuant to 15 usc 1601 ( a ) I need to see a signed contract between me ( XXXX XXXX XXXX ) and Homestar Financial Corporation, also tell me how was I able to give over a security interest in a property I did not own prior to signing agreements, Homestar Financial Corporation did not inform the borrower the value of my signature, there was no consideration, I gave Homestar Financial Corporation a promissory note that added value to the Banks assets, I got nothing in return. I know the promissory note is being traded on stock market ....
Consumer complaint received 2024-10-28
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. (FL)

tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (GA)

I believe that experian is deliberately going in dropping my fico by astronomical points, I find it very strange that my score only raises a couple points but drops by XXXX points at a time. Something is not right. I have disputed and item multiple times even sent letter in a long time ago showing proof that matter was rectified and they still choose not to remove.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX we received 5/3 credit card statement with fraudulant charge -- account # XXXX. Called customer service to report. Dispute was resolved -- confirmation letter received and charge removed from next statement. However, a new card was to have been mailed to us on XX/XX/XXXX to receive in " XXXX business days ''. Card never received. XX/XX/XXXX we called customer service again. Replacement card ending in XXXX was to be deactivated and new card ending in XXXX was to be reissued that date. -- " allow XXXX business days to receive ''. XX/XX/XXXX card still not received. Called customer service and was instructed to " wait until XX/XX/XXXX as replacement card was actually mailed XXXX ''. If new card not received by XX/XX/XXXX, they would " expedite card ''. On XX/XX/XXXX replacement card still not received. Called again. Replacement card would be " expedited and should receive on XX/XX/XXXX or XX/XX/XXXX ''. On XX/XX/XXXX called service department once again. Representative quoted additional/different card # XXXX that had been activated/deactivated since XX/XX/XXXX. As of this date XX/XX/XXXX, NO replacement card has been received. We are VERY CONCERNED about all of these credit cards that have supposedly been issued and are floating around out there somewhere with our name on them.