davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions is trying to collect a debt from me on behalf of XXXX XXXX. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

This is a Best Buy Citibank credit card. I am a XXXX  and went out on a XXXX  XXXX. My balance was {$3100.00}. I knew I was going to have difficulty paying this so I did a balance transfer with XXXX with 24 months to pay XXXX back. 

XXXX issued the funds on XX/XX/2021. My balance with Citibank should have been XXXX. At the end of XXXX I had a financial hardship with car so I charged {$2900.00} to my Citibank card. 

XXXX XXXX I received a bill from Citibank for {$6000.00}. Since then it has been a nightmare. Month after month I have called and produced evidence to support the payment from XXXX. XXXX provided me with the transfer number and a letter that Citibank refused to acknowledge and kept saying that they never received my payment. 

I did get the XXXX XXXX XXXX involved and now they have found the payment but are still refusing to credit my account. My balance should be {$2900.00}, but with all the interest and late fees it is over {$7000.00}. 

I need help, please intervene on my behalf. I struggled for one year caring for Covid XXXX  and now I have to deal with people who refuse to look at the evidence.
Consumer complaint received 2021-08-04
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. (WA)

Last month I filed a complaint on XXXX XXXX  for illegally adding incorrect information to my Equifax report, causing my score to drop XXXX points. I also filed a complaint on Equifax for allowing this to happen twice, from the same company. Upon a successful investigation, Equifax found the company to be in the wrong, in which they sent me dispute results showing theyd be deleting the creditor XXXX from my credit report. I spoke with a few customer service agents to reassure that my credit report would be updatedraising my score back to where it was before XXXX was added to my credit report. They each informed me that once the monthly update occurs, Id see the deletion of XXXX and my score would go back up. I checked my report on XXXX, and theres been no change. I called to tell them that my score wasnt fixed, asking them why they would be dishonest about this serious situation. The representative I spoke with told me that she couldnt give me any answers as to why this happened.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX advertises 12 months interest free financing. They Use TDbank to underwrite and make the loans. they demonstrate a payment based on a loan amount. When you apply for the loan they don't ask you how much you need to qualify for and then approve you for a small amount. The creditor then advises they don't offer loan above 5 thousand dollars and increases are not allowed. Its misleading. If they only offer loans up to a certain amount then they should cap it there on the site and advise as such.
Consumer complaint received 2021-08-10
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: Experian Information Solutions Inc. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-04
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: NAVY FEDERAL CREDIT UNION (NJ)

please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine.

5. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (AZ)

The company appeared on my credit as SOURCE RECEIVABLES M on XX/XX/2018 and I was not aware of any actions I could take to avoid them to report on my credit. I don't owe any debts to SOURCE RECEIVABLES M and I would like them to be removed from my credit report, so that I can be able to get lines of credit again. The amount that is owed on my credit report is XXXX. Thank you for all your time and support in assisting me with this dispute.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

Hi, This is in reference to my previous complaint- XXXX-XXXX  raised with consumer bureau and for case number XXXX open with chase bank in USA to sent the checks for my amount {$6500.00} and {$900.00} which are with chase to my XXXX address shared within email with them, I have responded to their email from XX/XX/2021 and as per their suggestion I have shared the scanned copies of both the checks for respective amounts with affidavit documents in their format shared and have got the verification from XXXX court, XXXX , XXXX . 

I have ensured that the identity and address proof ( electricity bill ) is shared with them so that chase can send the two checks at my XXXX address shared with them as per my email response. Its been more than two years and multiple times I am following up, so request you to please share the concern and send the checks of respective amounts which was money from my account due with chase to my XXXX address. 

I have shared response on Saturday ( XXXX XX/XX/2021 ) to them by attaching all the proofs and documents requested as per suggested format. Please note every-time producing this document is very difficult with covid and costs me good money to be spend. 

MOST IMPORTANT- I would require the tracking number of the courier service once the checks are sent out since last two times there was no tracking number shared and it was difficult for me to know if the checks are sent to proper address and will reach to me in XXXX . Attached is the previous complaint details for reference. Thanks!
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NORTHWEST BANCSHARES INC (IN)

NORTHWEST BANK ARE NOT WORKING WITH ME TO KEEP MY HOME I HAD TO FIGHT FOR SO LONG TO GET AN FORBEARANCE. THE NORTHWEST BANK COMPANY FINALLY ALLOWED ME TO HAVE THE FORBEARANCE AFTER MUCH FIGHTING & PLEADING, BUT SOON AFTER IT WAS OVER THEY ANNOUNCED I MUST PAY THE ENTIRE FORBEARANCE BACK OR FACE FORECLOSURE. THE OTHER OPTION IS TO FILL AN APPLICATION IF APPROVE MY OPTIONS ARE : REINSTATEMENT : LUMP SUM PAYMENT REPAYMENT PLAN : MODIFICATION : MUST HAVE AT LEAST 12 PAYMENTS-MUST HAVE ABILITY AT MOD SHORT SALE : DEED IN LIEU OF FORECLOSURE : WHAT IM TOLD I COULD GET BY ONLINE SOURCES FOR FORBEARANCE REPAYMENT OPTIONS FOR CONVENTIONAL MORTGAGE HOLDERS ARE THE FOLLOWING : LENGTHEN YOUR LOAN TERM : and pay off the missed amount at the end of the extended loan term, via additional mortgage payments PAYMENT DEFERRAL : This option lets you pay off the missed amount when. The home is sold or refinanced THEY GIVE ME LESS THAN A MONTH BEFORE THEY FORECLOSE AND MY FORBEARANCE ENDED IN XXXX - IS THIS LEGAL AND ACCEPTABLE DURING AN PANDEMIC? IM CONFUSED AND SCARED I APOLOGIZE FOR THE CAPS PLZ FOR FORGIVE
Consumer complaint received 2021-08-10
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. (MD)

The accounts and inquiries listed below are fraudulent. These are unautherized I did not contact any of these creditors, nor do I have possession of any of the things belonging to these accounts and inquiries. Please remove these accounts and inquiries. I was told to fill out this FTC document that is attached to this complaint. I have also attached my ideninfication to this complaint, to help ideninfy me. Please remove these accounts and inquiries below as they are fraudulent and someone has stolen my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NY)

This complaint is follow-up to complaint # XXXX. 

After I got of the phone with BBVA and they claimed to reverse overdraft fees in the amount of {$64.00}, they assessed another {$32.00} fee on XX/XX/XXXX and another on XX/XX/XXXX for the same return check problem. I contacted the credit card company to change payment on XX/XX/XXXX and had already spoken to someone the day I submitted my complaint to stop payments and return the fees. 

I am going to close my account with this corrupt bank. I just found out that it only has one physical bank in all of XXXX XXXX.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??
Consumer complaint received 2021-08-04
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. (CA)

There are many inquiries appearing on my credit report that do not belong to me I need these taken care of since they do not belong to me!!!! 

Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date :XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX/XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-08-10
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Accounts, Inc. (AZ)

i reported fraudulent activities to my bank. bank failed to investigate. 
Bank closed my account that had negative balance due to fraud. 
Bank sold account to collections agency. 
Debt has been disputed and has found it is inaccurate however creditor continues to sell debt and post to my credit profile.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached accounts reporting to my credit bureaus that are not mine, They are authorized users and I am not responsible for these cards. Per the FCRA everything that is reported to my credit bureaus need to be reported 100 % accurate.
Consumer complaint received 2021-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have had a HELOC loan with PenFed Credit for many years. It is in good standing with no late payments and frequent payoffs. I've started a construction process and am attempting to transfer money from this account but PenFed has frozen my account with no explanation. My account is active, in good standing with a perfect payment history. My credit score according to the PenFed site is XXXX. 

I have counted on this HELOC line of credit for years for various home improvement projects. It seems really unfair that PenFed has chosen to freeze this line of credit with no warning and no explanation. It is particularly unfair that PenFed has chosen to do this in the middle of a construction project.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

Upon viewing my credit reports, I noticed my Navient Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Consumer complaint received 2021-08-10
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. (FL)

I have attached various accounts that are violating the FCRA and reporting inaccurate information to all three of my credit bureaus. I have attached the accounts and highlighted all the inaccuracies. I would like to have these accounts deleted from all three of my credit bureaus.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

my name is XXXX XXXX and i have a housing choice voucher for homeownership. i closed on my home in XXXX  of 2020. XXXX XXXX housing authority pays part of my mortgage and then i pay part of the mortgage. i have been told this is a dual payment option. Pennymac is the servicer of my loan and they continue to harrarras and threaten me on the phone that they will be filing a lien on the property for nonpayment yet XXXX XXXX and myself have verified ALL mortgage payment have been made timely. they have poor record keeping and they are ugly and threating to take my home.i am very stressed out as im XXXX, currently XXXX  with XXXX children to care for i do not need this XXXX. i don't understand i am paying my mortgage im making sure the housing authority is making the payment. this is just discriminations from PennyMac to take my home. i need help now