davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NC)

1. My mortgage paid out two Homeowners policies on the same day. They stated Nationwide did not meet coverage and denied the policy but then paid Nationwide the same day as XXXX ( policy coverage accepted them ) OUT OF MY ESCROW ACCOUNT. 

2. Nationwide stated they sent MY MORTGAGE COMPANY a reimbursement check last week. Why isnt it posted to my account? {$1000.00} 3. My coverage with XXXX was effective 7/22. Why was I only reimburse partially for THE FIRE COVERAGE MY MORTGAGE COMPANY ACQUIRED?

4. April 2021 WAS NOT A LATE PAYMENT. MY MORTGAGE COMPANY applied it IMPROPERLY. WhenTHEY FINALLY corrected it, they stated they could not change the date they post it in the computer but they would NOT report to the credit bureaus due to THEIR ERROR. Its all noted on my account and I have copies. I have disputed this with my credit report several times and they keep denying the correction.

5. THEY have the balance on my account on my credit report as 25k, when in fact its 17K. I have disputed this with my credit report several times and they keep denying the correction.

6. All late payments this year was due to YOUR COMPANY WORKING WITH XXXX XXXX XXXXXXXX XXXX XXXX, which has paid them over XXXX XXXX. I have a SEVERAL letters from you all stating the follow : If your correspondence is related to a payment application please be advised that XXXX will suspend adverse reporting on your loan for 60 days from the date of receipt. 
AGAIN, I have disputed this with my credit report several times and you all keep denying the correction. 

7. Why is my account being charged a $ 20 monthly fee when XXXX is paying my current payments? What is the {$20.00} charge for? My mortgage company states inspection. Why are they inspecting my property monthly. 

I have tried with XXXX for ANY DECENT CUSTOMER SERVICE. THEY HAVE EFFECTED MY LIFE AND CREDIT TO THE POINT OF A LAWSUIT NEEDED. 

I Made MANY credit bureau disputes and even called them all MANY TIMES to discuss. Per phone calls, they are correcting it. Per disputes thru XXXX and XXXX, they deny the dispute. 

I would appreciate answers and properly handling of my account. ** PLEASE NOTE THERE IS A CURRENT CLASS ACTION LAWSUIT AGAINST XXXX FOR SENDING IMPROPER DEFAULT/ACCELERATION/FORECLOSURE STATEMENTS.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (NJ)

i am natural persone, i am a living human being, i have rights under 15usc 1681.

equifax is govern by 15 usc 1681. and they violated my rights numerouse of time.

i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave equifax written permission to furnish these accounts. 


XXXX .... XXXX name ... .. XXXX XXXX XXXX XXXX ... ... XXXX name ... ..XXXX XXXX XXXX  XXXX XXXX ... XXXX thank you
Consumer complaint received 2018-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I have requested validation from XXXX XXXX XXXX, they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX XXXX. This account was previously removed from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$490.00}. I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

During this pandemic I have been hit hard with suffering from my XXXX and been off work for the last 7 months I paid my credit cards when I could and also let them know of my situation. Recently last month I was able to get my Discovery {$2500.00} credit limit and pay it down to XXXX. Never had an issue until this morning when they decreased my limit by {$1000.00} which puts me back in square 1 and putting me almost at my crefit limit again and making my credit score drop after I been working hard to try to pay everything off I'm in a bind to where I have to move and by them cutting my limit making my credit score fall its making it impossible at this point I just want my credit limit back to where it was so I can finish making process to get everything back on track and they are making it hard for me to do so.
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB (CA)

I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX XXXX and XXXX. I have filed a complaint with the state insurance office who regulates XXXX XXXX XXXX  and have a bill from State Farm and the car company thats says I owe XXXX.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Certegy Holdings, LLC (MI)

Summary of declined check at XXXX Date declined XX/XX/2018 time XXXX XXXX  Personal information : Check # XXXX amount {$230.00} Supplied receipt of denial with Certegy contact info and procedure to request report. Request made on XX/XX/2018 confirmation number given Received report CONSUMER FILE DISCLOSURE REPORT from Certegy  XX/XX/2018 Contacted Certegy and XXXX by phone XX/XX/2018 to inquire as to details within report. No clear reason could be given for denial.
Consumer complaint received 2021-07-17
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)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX/XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX )
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Celsius US Holding LLC (FL)

I opened an account with Celsius Network and transferred money into what I thought was a saving account with interest. The CEO of the company XXXX XXXX XXXX XXXX XXXX publicly assured customers like myself every week on XXXX that the funds are safe. What we did not know is that he used our money to fund other failing businesses. He tried to cover it up with new deposit. This is a clear definition of a XXXX Scheme. Celsius Network filed for bankruptcy and now all of our money are gone. XXXX XXXX XXXX and his associates are still playing around with this company and drawing substantial amount of salary every month using depositors ' cash. 

I hope that you would investigate this company and particularly XXXX XXXX XXXX and all of his associates in this matter. Hundred and thousand of depositors have lost their life savings because of them. This is another XXXX XXXX case. 

Thank you for your time and consideration.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (GA)

I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with XXXX XXXX XXXX and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by XXXX XXXX XXXX not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have been disputing in writing numerous incorrect entries on my credit reports for months with very little success. I need to have these items removed from my credit reports with XXXX, XXXX and Equifax as soon as possible as this has been going on for too long.
Consumer complaint received 2022-07-03
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: Absolute Resolutions Corp. (FL)

I have noticed that I have reports on my credit that were opened without my permission. I would like for these accounts to be closed as soon as possible as I am a victim of fraud. these accounts that were opened are damaging my credit report and it is out of my control. This is very unfair and I would like to have the issue resolved. Accounts such as Absolute Resolutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are all accounts that I do not recognize whatsoever and need to be removed from my credit report.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

In XX/XX/2022, a payment of {$300.00} was suppose to come out, and the bank thought it was fraud and pulled it back, the next day it was sent back to Amazon this was the first time something like this has happened in 5 years. I am appalled that one error not on purpose and not by me caused Synchrony Bank to close my account. I can not believe the audacity of this company, to close someone's good standing for years over a bank error. They should be ashamed of themselves. I am a hardworking person and I believe that this should be brought to someone's attention.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I have been struggling with PNC Bank and there ridiculous overdraft fees and nonsufficient funds fees. I have paid in excess of {$1200.00} in fees due to Payday loans ACH and automatic withdraws that I had asked to stop payments on. They said that it was not possible to stop these payments when I had asked before. But after doing some research, I discovered that I had been opted out of their overdraft protection feature by default after I had asked if there was a way to stop automatic withdraws and them telling me no. Had I been made aware that this was an option this overdrafts fees and insufficient fund fees would have never been inflicted sending me further into the red. I have made several calls and spoke with PNC asking to overturn the overdraft fees but they only have an allowance of 1 {$36.00} fee to be overturned. I have paid 15 in the last month, this is just another classic example of a big bank taking the consumers hard earned money unjustifiably to add to their 8 % of annual revenue in overdraft fees.
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

We received a letter in the mail from Mr. Cooper threatening to purchase insurance for our home which we will have to pay if we can not provide proof of insurance. I checked their insurance website and all seems fine. I called them and they also can't tell me why the letter was sent. All I'm getting are guesses and suppositions. In my conversations with them they're now attempting to burden on me to make sure I always update their website with my most recent policy. This is a broken process and needs to be fixed. If my policy has not lapsed I am no longer going to waste hours of my life attempting to figure out why the background systems and processes aren't working.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
Consumer complaint received 2021-07-17
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (GA)

On XX/XX/2021, I called XXXX XXXX XXXX ( XXXX ) as I had received communication stating that my account with BARCLAYS BANK DELAWARE was purchased by them on XX/XX/2021. While speaking with the XXXX rep, I stated that I wanted to settle the debt with a pay to delete off of my credit report with Barclays. I asked them to send an email confirmation in addition to mailing a letter for the agreement in which they did ( sent by XXXX XXXX of XXXX ). Before ending the call, I asked the rep if this could be removed off of my credit file and she stated that it will be removed after successfully receiving the full agreed upon amount of {$960.00}. I made a payment of {$480.00} on XX/XX/2021 and another payment of {$480.00} on XX/XX/2021. I received a letter dated on XX/XX/2021 from XXXX stating that the current balance on the account was {$0.00} and the letter serves as proof that the account was settled. On XXXX, I did not notice any changes to my credit regarding the removal of this delinquent account. I called XXXX informing them that the file was not deleted from my credit report. They stated that they will send another letter to the credit bureaus and to give it another 30 days before reflecting on my account. On XXXX, I decided to call BARCLAYS BANK and inform them of what was going on with the account. They only told me that it was under investigation being that I disputed with one of the credit bureaus even after they validated the debt with the credit bureau. I havent heard anything since and still no change to my credit report. I reached back out to XXXX today, XX/XX/2021 and they told me to call back on Monday to talk with the dispute team as they forgot to send the letter so the manager, XXXX XXXX, has submitted a complaint. They also stated that they cant contact the original creditor after an account has been purchased. So now I have a delinquent account on my credit file, reporting a {$0.00} balance, but hasnt been removed because of the run around Ive been receiving with all agencies involved.
Consumer complaint received 2021-07-17
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. (GA)

The account listed below DOES NOT BELONG TO ME! I have asked the credit bureaus on several occasions to provide copies of the information they have on record, and they have failed to do so. These account is : 1 ) XXXX XXXX  XXXX Balance {$5600.00} This account was opened by an unknown party and I have the right, according to the Federal Government to see the data they are using to report this false information. My next step is to file a lawsuit in local court.
Consumer complaint received 2022-09-22
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: CBC Companies, Inc. (MO)

I emailed Vice President XXXX XXXX at XXXX XXXX for him to explain the process of obtaining a home equity line of credit. He pulls my credit without my consent and now i have a ding on my credit report because of it and not once did i ever give him permission to pull my credit. I simply asked how the process worked. Hes tried to cover his tracks by telling me oh it doesn't hurt my credit for that type of stuff but when you look at the credit report, a mortgage inquiry is very high risk on experian. i told his company what happened in a support chat and all the said what sorry for the misunderstanding. This is extremely unprofessional and i believe they should be able to get this removed off of my credit report.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Consumer complaint received 2023-08-03
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: EGL US, LLC (TX)

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX BMG Money Account # XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Consumer complaint received 2022-08-18
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. (NC)

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 Account number 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 an 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.