davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (UT)

In my agreement, XXXX ( XXXX XXXX XXXX XXXX ) States that they will not share my personal information with non-affiliates. Experian, XXXX and XXXX are non-affiliates of XXXX and yet they shared my personal information with them.
Consumer complaint received 2023-03-17
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: MOHELA (MI)

Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well
Consumer complaint received 2019-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (FL)

on XX/XX/XXXX Selene Finance was billed for my home owners Insurance for {$1500.00} my escrow for tax and Homeowners Ins. account balance was {$2100.00} Selene payed {$1000.00}. In XXXX and XXXX Selene payed the full amount .Selene never contacted anyone. Thats why selene never received a proof of coverage selene neglected to pay the full amount. I contacted XXXX XXXX customer service phone # ( XXXX ) XXXX. XXXX XXXX sent me a letter, Insurance was Cancelled for lack of payment. I also called my insurance agent stated they were never contacted and the insurance limits were up to date, amount {$150000.00}. Selene put me on force placed Insurance XX/XX/XXXX at {$220.00} a month. My mortgage cost went from {$550.00} to {$710.00}. Hurricane Irma did damage to my home I still don '' t have air conditioning and 2 damage windows and roof leak which made a mess of back bedroom. I have tried to talk to Selene with no help. Then I started to get letters from Selene that my Homeowners had cancelled XX/XX/XXXX and I was getting force placed Insurance for loan amount XXXX would cost {$110.00} monthly. I was unable to get my own Insurance because of repairs which needed repaired. I was curious if Florida statue 501. 137 would help me.
Consumer complaint received 2023-03-17
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 information is inaccurate.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (CA)

My leased XXXX XXXX XXXX was repossessed in XX/XX/XXXX and GM Financial has repeatedly tried to collect a balance it claims is due. According to California 's Vehicle Leasing Act 2987, I did not receive a notice at least 10 days in advance of the disposition and/or the determination of the value of the vehicle. I did not receive an itemization of the determination of accrued fees, nor did I receive an inspection report in the letter of the costs in which it referred to as an " enclosed inspection report. '' I was also not given reasonable notice to personally hire a professional appraisal of the vehicle for the purpose of valuating and determining what was to be owed on the lease.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. (AL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 crime 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 2023-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OH)

Key bank closed my account on XX/XX/23, I did not request them to close it, they did it on their own. 
I had {$950.00} on that day and Key has held that money since then. 
I've spent over 2 hours on the phone with them trying to solve it, after a week, they sent me a form that had be taken to the bank, but, to my surprise, the branch that I visited at XXXX XXXX XXXX XXXX OH XXXX couldn't give me my money back, I signed the form in front of one of the branch managers, she notarized it, but she had to return the form to a different department and I've been told they mail me a check. 
Well, another week went by and no check has arrived. The lack of consideration/customer service is just absurd, the bank has held my money for over a month, I am sure they will not pay interest and they don't communicate properly. 
I am sure I am not the only customer suffering with their lack of customer service ... during these days when banks are struggling, Key Bank is finding 'creative ', illegal ways to improve their liquidity.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (AZ)

I've received numerous notices from Statebridge Company starting on XX/XX/2019, that indicated my home hazard insurance had lapsed and they would charge me for insurance coverage if I didn't provide proper documents. 

Each time, I sent the appropriate documents from XXXX XXXX that showed my insurance had not lapsed. The second-to-last contact, I requested and received an email from a representative to : 1 ) indicate the documents had been received ; 2 ) my account had been updated ; and 3 ) I would not be charged for insurance. 

Today, XX/XX/XXXX, I received a letter dated XX/XX/19 indicated they had not received documents and they purchased insurance on my behalf. 

Please help me resolve this so that the items numbered 1 ), 2 ), and 3 ) are addressed by an accountable representative at Statebridge. 

All corresponding documents are attached. Thank you for the help!
Consumer complaint received 2019-04-02
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. (SC)

I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

PNC TAKES overdraft fees after they have thier own way of clearing the purchases. I should have on fee but they keep bouncing my account at 4 fees at a time and I talked to the till I was blue in the face and it just happened again on XX/XX/XXXX thier process is off only the last transaction should have bounced as no now I have 4 fees at {$36.00} each and some of the transactions are keeps than {$5.00} and on 2 occasions {$1.00} and change ... WOW they left me on the side if the road with a dead battery because they need thier bounce fees and that left me stranded BRAVA I could have been killed but my sister who makes over a hundred thousand a year needs to steal my inheritance because gave freely all my life to her and her family so that gives her the right to lie and the world believes her because she throws money at everyone accept me and I am in the street ... WOW XXXX XXXX XXXX I need help in a morally BANKRUPT nation. Please have Mercy on my soul ...
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Today is XX/XX/XXXX. I ordered by phone a free credit report from Equifax on XX/XX/XXXX and still have not received it. This has happened before to my husband with Equifax on XX/XX/XXXX. I don't know whether it was mailed and delivered to someone else, thereby exposing my private financial information to someone else or that is was never mailed out. I like to order online but frequently I am rejected without explanation. The message says that they can't provide it online to me and that I must call. 

My husband complained to you back then and nothing was resolved. How much longer will this ineffectiveness go on?
Consumer complaint received 2019-09-30
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: Experian Information Solutions Inc. (PA)

The last payment to XXXX was in XX/XX/2010 for account # XXXX. This account should be deleted because of it's age. It also appears 3 times instead of once. I only signed up for one loan. 

The accounts are then again reported a second time on my credit report under XXXX 's guarantor XX/XX/XXXX which gives the impression that I defaulted twice and owed twice the amount of debt i ever borrowed. 

I just spoke to XXXX at XXXX who was a supervisor ( ID XXXX ). He stated that XXXX never was able to reach me via phone once the account came to their office 4 years after my last payment. XXXX confirmed that XXXX never sent anything by certified mail and that they where contacting me at an address I had 13 years ago. They where not able to reach me by email or phone either. 

The loan was consolidate through another provider as I felt XXXX to be unethical, unprofessional, and incompetent. ( clearly nothing has changed ) There are multiple lawyers who say I can be part of a class action lawsuit against XXXX. I have submitted dispute and had XXXX remove these accounts. They still remain on Experian and XXXX. They are paid in full and too old to be on my account.
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX XXXX account in a Charge-off status and past due balance. Specifically, the account shows as closed and opened on XX/XX/XXXX, with a balance that was updated on XX/XX/XXXX. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2023-01-27
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

According to Wells Fargo my new mortgage payment for principal and insurance is XXXX and the monthly escrow payment is XXXX. My homeowners insurance went down from XXXX to XXXX. My flood is XXXX. Basically Im had my escrow reran twice and XXXX per month is XXXX a year that is excessive for escrow. Im basically being priced out of my home in excessively high escrow fees. 

Initially my insurance come increased from XXXX to XXXX I immediately found cheaper hazard insurance at XXXX. Well Fargo paid that XXXX I had that insurance company refund me the money, and I sent it into Wells Fargo to be paid back into the escrow.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am a natural person, Iam a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 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 Be removed under this law
Consumer complaint received 2019-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (CA)

In XXXX i discovered i had been a victim of identity theft. I notified the local police, the FTC, the credit bureaus and in some cases the creditors directly. All were removed as a result of the dispute process and the included reports to authorities. In XXXX one of the accounts previously deleted was re-sold to another company. I again disputed XX/XX/XXXX except this time the company " Complete Credit Solutions '' confirmed it was my account despite the police reports etc. I contacted the company many times to no resolve.When i called the first time i was told they " Complete Credit Solutions '' bought the account from " XXXX XXXX '' and are checking to see if they would get their money back for the account they bought. I am being adversely affected by this fraudulent account and this company is not willing to assist to protect my rights as a victim. I called again today XX/XX/XXXX and was told to wait for a supervisor to review and call me back. I need help getting a resolution. XXXX asked that i update the FTC Report to list the original creditor name " XXXX XXXX ''.
Consumer complaint received 2023-01-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (MS)

I purchase a vehicle from Exeter Finance in XX/XX/XXXX. The loan was for 72 months on approximate {$25000.00} with a 16.9 %. I have been late and had 8 deferred the payments. The loan will mature on XX/XX/XXXX. The company states I still owe {$10000.00}. I do not see how this is possible. I asked for a hardship and to settle the loan but the company refused. I notice over the life of the loan some of my payments {$0.00} was paid toward the balance only interest payments. I do not believe I owe {$10000.00} on a {$25000.00} vehicle 6.5 years later.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-30
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: Neon Newco Corporation (CA)

On Saturday XX/XX/2019 I ordered a NetSpend Replacement Visa Check Card and the NetSpend Customer Service stated over the telephone that I would receive the replacement NetSpend Visa Check Card in 7 to 10 business days. I order the replacement NetSpend Visa Check Card because the one I have possession of is old and the magnetic strip on the card doesn't work properly.. Today is Monday XX/XX/2019 and I never received the NetSpend Visa Replacement Check Card in the mail I can only assume that it is stolen, held off, or was never mailed.
Consumer complaint received 2019-09-30
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. (TN)

I am trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.