davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Health Corporation (MD)

HILLCREST CREDIT AGN Ad dress :  XXXX   XXXX   XXXX    XXXX   XXXX  , KY  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. No document were provided showing a contract or signature
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC (CA)

Hi : Little bit long story but i try to keep it in short. So basically my case involves : XXXX XXXX, XXXX and a debt collection agency called the receivable management services corporation. XXXX began since around XX/XX/XXXX. I tried to book a flight schedule from XXXX XXXX to XXXX on XXXX. It cost {$1000.00}, I booked this flight around XXXX, but then i realized that i had a schedule conflicts so that i had to change a flight. I decided to cancel the flight, so I 'm sure i cancelled my flight around 3 hours later. According to XXXX policy, customer should get full refund if cancelled within 24 hours. I 've done same thing before so i thought i have nothing to worry. But this time was little bit strange, because couple weeks later, i believe it was in XX/XX/XXXX, when I checked my XXXX XXXX  account, ( I booked this flight my XXXX credit card ). I still see the record on my statement and it means i still have not receive my refund which is {$1000.00}. So i decided to call XXXX customer support and ask them what happen. After i have spoke to a rep, she told me she will help to me dispute my case but i need to provided some evidences. So i gave her my provement, after couple days, i received a phone call from XXXX, the rep told me that my case has been disputed, and then when i double checked my online bank account, i do see i have received the refund, at this point i thought this case is over. But until recently, I think it was around in XX/XX/XXXX. I have been bothered by a company called RMS ( the receivable management services Crop. ) they called me almost every single day and i also received a letter by them. They told me that i owned {$300.00} of debt. When i first noticed by them, i had no clue what this {$300.00} for, so i asked them, they told me it was because XXXX gave out my personal info to them and ask them to collect debt from me. After then i contacted XXXX by calling and sending email ask them about my case, all of the answer I received from XXXX were none of their customer rep could identify about this {$300.00}, and they told me they would never ever gave out personal info to any company, they also had no relation with RMS. So i was confused, I also went to XXXX XXXX, let the manager checked my bank account, the manager told me my account is clean and i do not own them anything. XXXX also do not corporate with RMS. So i believe it was a scam and i have no idea how to they have my personal info. Because they are kept calling me and ask me paying the debt over the phone, i felt i really bothered by them. Even today, i called XXXX, and ask them to check my credit report to see if theres anything related a company called RMS, the XXXX rep told me there 's nothing has related wi
th RMS on my account. Thanks for helping me, Best,
Consumer complaint received 2022-03-11
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. (OH)

On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (MA)

I am writing to formally dispute and request corrections to the inaccurate information present on my credit report maintained by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding the discrepancies outlined below. Despite my initial communication, I have not received a response from Experian as of the date of this letter. 
Details of the inaccuracies and required corrections : XXXX XXXX Account Number : [ Your Account Number ] Date Opened : XX/XX/XXXX Balance : {$520.00} Experian is reporting the XXXX XXXX  account with an incorrect balance of {$520.00}. I dispute this amount, as I distinctly recall the balance being lower. Furthermore, I request the deletion of information related to the Past Due amount, as the account is closed and charged-off. To prevent any adverse impact on my credit score, I request marking this account as disputed. 


XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX  - Account XXXX Date Opened : XX/XX/XXXX High Credit : {$410.00} Original Creditor : XXXX  This account is not mine. I request the immediate removal of this entry from my credit report. 

XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} This account is not mine. I request the immediate removal of this entry from my credit report.
Consumer complaint received 2022-09-09
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2021 I opened an account online with Suntrust Bank. The following month in XXXX my husband and I received our tax refund which was filed electronically using XXXX XXXX software to the Suntrust account. We attempted to purchase a vehicle on XX/XX/2021 within days of receiving our refund but we were not able to complete the purchase because Suntrust had frozen my account without my knowledge. I was unable to use my debit card or transfer any funds out of the account. I contacted Suntrust Customer Service and was advised there would be an investigation. I was also advised this could take several weeks and I would receive a letter when the investigation was complete. I noticed via text message a significant amount being removed from my account during this investigation period. I also called Suntrust to inquire about the suspicious activity which they showed no knowledge of. I was then advised by Suntrust to email their fraud department at the email XXXX.During this time we were XXXX having to live in hotels and relocating. My husband and I had to live separately in different cities for seven months until we could gather funds to move into our own place. WE had planned to start our own companies with these funds. After calling and waiting for months I contacted the IRS to explain the issue. The IRS issued a trace for the funds. We completed this process twice, I was informed by Suntrust this would be the final step to receive our funds back. I have talked to several representatives who have given me various excuses without a lot of information. The total of the funds being held is {$15000.00}.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!! 

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL promptly delete that item of information!!!
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (IL)

XX/XX/XXXX- ID XXXX {$60.00} Debt was paid to XXXX by my primary and secondary insurances. XXXX XXXX XXXX XXXX of Illinois and XXXX of Illinois.
XX/XX/XXXX- ID XXXX {$60.00}. XXXX did not bill XXXX of Illinois XX/XX/XXXX-ID XXXX  {$62.00} XXXX did not bill XXXX of Illinois.
<P/>
On XX/XX/XXXXI called XXXX and spoke with XXXX, case number XXXX, and she said all the payments were finalized and there are no debts on my account.
<P/>
I have received no further communication from XXXX. Recently, I ran a credit report and then was notified that I was turn into collections for the XX/XX/XXXX and XX/XX/XXXX bills. I have called XXXX and spoke with XXXX XXXX at XXXX to attempt to resolve this issue. XXXX XXXX. told me that this is my issue and the debt must be paid through the collection agency Financial Corporation of America Corp. I called Financial Corp. of America Corp at XXXX. I spoke with XXXX XXXX. XXXX XXXX. refused to give me any ID number and refused give me the regulatory agency to file the dispute of this debt. XXXX XXXX. did confirm that I claim to dispute this debt and that she would write this in the file.
I mailed the dispute letter to Financial Corp of America Corp by certified mail XX/XX/XXXX.
<P/>
I would appreciate this debt being removed from my credit report.
Thank you.
Consumer complaint received 2022-09-09
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the credit bureaus and spoke to the representative. I informed her of wrong alias and addresses on my credit report. This is not my legal name as reported. The rep stated, they had been removed and I will receive an updated copy of my credit. My updated report is still showing the incorrect alias and addresses.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax gets hacked, I try to freeze my credit and all I get from Equifax is a run around!! Ca n't talk to a person ( like I could with XXXX & XXXX, WHO DID NOT CREATE THIS PROBLEM ). Answer all the questions on their automated message and then get put on hold and hung up on. Try to do it via internet and I get " unable to complete your request ''. Equifax should be put out of business!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 ; XXXX XXXX XXXX  XXXX XXXX, 2024.
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from TRANSUNION. If they can not validate, please remove from my TRANSUNION credit report. The following account is what I am questing : Collection XXXX & XXXX Opened XXXX {$140.00}
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX The information include above is reporting incorrectly via my credit report. Please update and remove inaccuracies.
Consumer complaint received 2017-04-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services (OK)

XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for months.