davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have reached out to the debt collector and stated I have no acknowledge of this debt they are trying to collect or any known contract that entitles them to collect and are still reporting to the credit bureaus which is damaging my credit. 
I asked for proof and have not yet provide me with any over the past three months. 
I keep getting a statement but no validation of this debt.
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (NC)

A.R.M. Solutions letter sent re : debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but insufficient information to confirm any debt and newspaper was canceled some time ago with subscriptions always paid on time before/concurrent with any renewals. No other correspondence received until A.R.M. notice of deficiency. 

I should add that subscriptions were canceled because of multiple solicitations at many different price points, appearing to come from different solicitation/sales services.
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

I have a Citi AAdvantage credit card ( XXXX ) For many years, I have paid in full every pay period without any problems. 

I closed my checking account and reopened a new one in XXXX. I have paid all my bills from the new account since. I paid my XXXX card balance ( {$22.00} ) online and that payment was confirmed by Citi Bank. Days later, Citi claimed it was rejected due to my old checking account being closed. I paid it again online with the Citi automatic online " XXXX Bank link '' method and had a confirmation again. Days later, the payment was also rejected due to payment from a unknown owner 's account. I was frustrated with Citi 's online payment system XXXX up. Finally, I called in to provide my checking account information to pay the balance on the phone. Citi bank 's online payment has a serious external bank link problem, but it charged me for the mess-up, imposing fee and interest on my account.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # 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.
Consumer complaint received 2017-01-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARVEST BANK GROUP, INC. (OK)

XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

Chime has been stealing my money for years. I reach out to Customer Service, they are extremely rude and unprofessional and no matter what I am left to deal with it. I never received any of my money back and iM missing thousands of dollars. I filed disputes in hopes to have things investigated but they always deny my claims. I sent police reports/FTC reports/ Identity theft theft reports but still nothing happens. I am left with an account overdrawn from the actions of others
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My wife and I each have requested that the credit freeze on our accounts at Trans Union be lifted. Trans Union sends a confirmation that the freeze is lifted for the period we request, but Trans Union DOES NOT lift the freeze. Lending agencies report the accounts are still frozen. When we go back to Trans Union 's web site within minutes or days of the confirmation of lift by Trans Union, it shows the accounts have no freeze lift requested. We are unable to transact business due to Trans Union not lifting the credit freeze.
Consumer complaint received 2017-03-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (GA)

I had a CD with CIT bank that matured on XX/XX/XXXX. I received a letter from CIT on XX/XX/XXXX that they had forgotten to send me a renewal notice for this CD when it matured, so it automatically renewed at the same interest rate of 1.153 %. At that time, CIT bank 's interest rate for a 1 year CD was much higher than 1.153 %. I called CIT today, and asked them to retroactively apply the then current interest rate. They refused. Why will a customer lose interest money over a bank forgetting to communicate to customers when CDs mature? 
I have a couple more issues against CIT bank : 1. They have this concept of ramp-up CDs, where they do not automatically renew the interest rate, when interest rate goes up. Only when customers call in, will they raise the interest rate. How will customers know when the interest rates go up in a specific bank? 
2. Also, customer service does not seem to very helpful and polite in responding to questions.
Consumer complaint received 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (GA)

I was on Forbearance plan during covid 19, after the covid, Loancare Mortgage Company sent me modificationon docs and my payment was {$1600.00}, I signed and notarized it, I have not heard for about 1 month, when I called them they said that there was a problem on the modification and sent me a new one, but my payment was increased to {$1700.00}, I signed and again notarized it, I again called 1 month later to find out when I was going to start paying, was informed that they again have to send me another modification because my deceased wife 's name was on it. They ups me a new modification but this time my payment increased to {$1700.00}, I demanded an explanation for increase and their answer was interest the rate was increased, however, I have had fixed interest rate, I kept it quite and managed to make 2 payments on {$1700.00}, when I called 3rd month to make a payment, they claimed that there was an error on the modification, when I asked what the error was, they failed to address the issue. When I received 4th modification I was shocked with my rate increased to {$2200.00}, of course I denied to sign that modification and asked them to put me on my regular payment, they refused, and finally they filed a forecloser on my on XX/XX/XXXX, I hired a attorney to stop the foreclosure. He managed to stop it, but during the time I wanted to pay Loancare would not take any payments from me. They finally agreed to accept {$1700.00} payment but than they wanted me to pay them {$69000.00} for no idea,. 
Finally my attorney get me an agreement that I had to pay {$41000.00} and {$1700.00} per month, my attorney did not know why I had to pay {$41000.00}. 
I wanted to refinance my mortgage but found out that although Loancare would not take payments from me as yet they reported to my 3 credit bureaus for 120 days or more late payment, I now can not even refinance my mortgage. My attorney is not a real estate attorney and helped me to certain degree. I, now need help removing derogatory from my credit report. I have a court date coming up on XX/XX/XXXXXXXX XXXX XXXX my attorney said they will foreclose my property, I do not want to loose my house, m XXXX XXXX XXXX retired and working part time, no problem paying my mortgage at all. 
Thank you.
Consumer complaint received 2022-10-03
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. (FL)

I have wrote XXXX XXXX letting them know that my account says open when it is closed and reporting on my credit report. I also advised XXXX that formerly XXXX XXXX on XX/XX/XXXX of the incorrect balance and that it says closed and still showing up on my credit report. They verified as accurate. I also disputed this again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and still no luck. This is really hindering my credit.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Bankruptcy reported on XXXX & Equifax. This account is not on XXXX, so I want it removed. Also in the state of Pennsylvania statutory limitation is XXXX for bankruptcy on credit report. This was suppose to be off my report XXXX  years ago.
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My house is in escrow and also up for auction by PennyMac. The bank has been unwilling to allow an extension since the house is scheduled to close five days past auction date. We are seeking payoff instructions but the bank has been unwilling to provide. I 've called daily and provided all necessary supporting documents. PennyMac has not provided any assistance to help us resolve the loan.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Owed : {$43.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (TX)

credit inquiries that i did not authorized 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
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I contacted Paypal Extras Mastercard about the personalized merchandise I purchased from XXXX  on XX/XX/2018, that when I got home and noticed the receipt amount was overcharged I was shocked ( my bad was I signed the receipt at the counter without looking the exact the amount because I was on an important call and I trusted XXXX because they're a big name ). It was supposedly {$2000.00} something but the receipt that charged to me was a whooping {$2800.00}. I called the XXXX the next day and spoke with the manager named XXXX and she said it was an honest mistake. I am so mad and want my full refund back but she said they can only give " full store credit ''. And I said no! You guys overcharged me and you expect me to trust you? The item actually is not with me because it supposedly personalized and they will deliver it to my house in one-week which is XX/XX/2018. 

I told Paypal Extras Mastercard the whole story but after two-week Paypal charge-back the amount to me with a whooping {$2800.00}. I kept explaining them that the item is not even delivered to me, I felt like my Credit Card which is Paypal not protecting their customer because I told them- I am DISSATISFIED with the XXXX XXXX, OVERCHARGED me, and the item is not in my hand. I don't wan na pay it because how do you expect someone to pay the OVERCHARGED? DISSATISFIED of their service? 
Please help me because this is really so stressful, I am suffering emotional stress, anxiety and sleep less at night. 

Thank you so much.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (FL)

This hard inquiries are fraudulent and doesn't belongs to me and need to be remove. Also the next as well : 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  Equifax XXXX XXXX Equifax
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance XXXX : {$920.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$300.00} XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I am not able to retrieve my credit report in any way. I have tried using XXXX along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents XXXX from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (SC)

The following inquiries are unauthorized.
 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