davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank blocked my credit card have had since XX/XX/XXXX until I answered questions. I spoke to a representative on XX/XX/XXXX, named XXXX via XXXX. The questioned I had to answer before my credit card would be unblocked were extremely alarming. 

Question 1 : What was my full name?

Question 2 : What is my occupation?

Question 3 : Am I employed by the Government or do I hold a political, diplomatic or governmental office?

Question 4 : Do I have a relationship with or someone who is associated with someone in a political ( e.g., held political office ) or diplomatic office or government position?

These question were bizarre to me. When asked the reason for these questions XXXX said Citibank was at the forefront of implementing new banking requirements. These questions were to protect me and Citibank. I pointed out no other credit card company I have credit with has asked me these questions and certainly not as a condition of being able to use their credit card. XXXX repeated Citibank was at the forefront of implementing new banking requirements. 

What bearing do these questions have on my credit worthiness? If my answers to questions 3 and 4 were yes, would that be a negative and thus affect my ability to use a credit card issued by Citibank or would that be a positive and mean Citibank would offer me a gift or something special?

Why are these questions being asked in order to have credit with Citibank and how are they  going to use this information. Further, how do they know the answers provided were even correct?
Consumer complaint received 2018-07-12
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: Ability Recovery Services, LLC (FL)

The fact that XXXX  is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX  and XXXX removed ALL fraud accounts, but XXXX   started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX   still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to XXXX.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Signed for refi XXXX. Changed mind and sent " Right to Cancel '' notice to SunTrust XXXX. Must receive " Release '' to obtain XXXX from another source. It is now XXXX, ( 2 months and 10 days ) and still have not received the Release. 

XXXX Called Suntrust talked to XXXX. Was told that Mr. XXXX XXXX is working on the official release statement and would call me within 24 hours. 

XXXX. XXXX sent an " Account Activity Statement ''. Was told that Mr. XXXX XXXX would send the official release statement within 24 hours. 

XXXX. Still no Release Statement. Called Suntrust XXXX PM. Was told Mr. XXXX XXXX was out to lunch and would return in half an hour. XXXX XXXX  called Suntrust, person anwsering phone couldn't find Mr. XXXX. She emailed him to call me by end of business ( XXXX XXXX  ) or on XXXX. 

XXXX. Called Suntrust at XXXX XXXX since I did not receive a call from Mr. XXXX. 
I kept getting disconnected and returned to the 2 minute 20 second message you get when you call before you talk to someone. I asked to talk to Mr. XXXX. They can not get Mr. XXXX on the phone because he doesn't have a phone at his desk. But they would have him call me. A phone call that has not and never will take place. 

If they can send me an " Account Activity Statement '' showing that I have a XXXX balance why can't they issue the official " Release '' so I can get on with my refinance? Until I get the release I can not proceed with the refinance with another company. I feel they are deliberately holding this up just to give me a hard time because I cancelled their loan.
Consumer complaint received 2017-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical Credit Corp. XXXX XXXX XXXX, XXXX, Michigan XXXX Has fraudulently reported a debt that is unrelated to me entirely. They have attempted to collect from me as well. 

They have been unresponsive to my calls and inquiries requesting personal information including my social security number and banking information whenever I try to determine the cause of the debt. When I do not give them my personal information they refuse to give me any further information on the debt. 

I am concerned that this debt could be the result of identity theft which is why I am hesitant not to give my SSN # or Bank ACCT # and ROUTING #. 

These seem like bizarre requests in order to gain more information anyway. 

I am concerned that this is a criminal enterprise.
Consumer complaint received 2022-04-05
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. (WA)

I have sent in several certified mail disputes regards these closed/Charge off accounts. I have not received a response. I would like this matter to be resolved immediately.
Consumer complaint received 2020-11-11
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. (TX)

I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.
Consumer complaint received 2022-04-05
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. (WA)

I written letter in the past asking Experian to provide me method of verification of alleged debt and nothing has been provided tome. No proof of evidence with my signature or promissory notes proven the alleged debt is mine.
Consumer complaint received 2021-09-14
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. (CA)

I'VE SUBMITTED MY COMPLIANT REGARDING THESE ACCOUNTS TO THE CREDIT BUREAUS AND STILL HAVE NOT GOTTEN A RESPONSE AND IT BEEN OVER TWO MONTHS
Consumer complaint received 2017-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from XXXX Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and Capital One Wont Still Remove This Account And Investigaion was Filed againts Capital One XXXX 2017 and Capital One Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my XXXX report.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a XXXX party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-28
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. (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 2021-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

I have submitted the attached documents since the beginning XXXX about XXXX on my report. XXXX was the ORIGINAL creditor, listed on page 19. 2 YEARS AFTER discharge, it appears they attempted to SELL THE DEBT to XXXX to try and collect on. THEY CAN NOT DO THIS! 

I HAVE NEVER heard from EQUIFAX and it is STILL listed as in " dispute ''! It will not allow me to resubmit a dispute with them. I've tried calling and get stuck in the press 1, press two loop that NEVER gets you to a HUMAN. 

XXXX needs to be removed IMMEDIATETLY!
Consumer complaint received 2023-01-28
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: 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 2024-02-16
Product: Credit reporting 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)

I looked at my credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, 15 USC 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

In addition to 15 USC 1681e ( b ) according to 15 USC 1681s-2 ( a ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-28
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. (LA)

I sent a letter on XX/XX/XXXX, to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-09-14
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. (CA)

I have contacted the credit bureaus as well as XXXX  XXXX XXXX to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.
Consumer complaint received 2020-09-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to Experian claiming that 8 late payments were just verified. Id like the method of verification.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Consumer complaint received 2020-09-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to XXXX  claiming that 8 late payments were just verified. Id like the method of verification.
Consumer complaint received 2020-03-27
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see Attatched MERCHANT RESPONSE USAA just sent me XX/XX/2020 in regards to MY REQUEST FOR. ORIGINAL SIGNATURE. OF WRITTEN DOCUMENTATION OF ACCEPTACE OF DELIVERY AND PROOF OF MY PURCHASE ie. ( Picked Up @ Post Office OR DELIVERED INTO MY HANDS. ) AND IP TRACKING This USAA Provided see Attatched is NOT FROM XXXX BUT A 3RD PARTY???. Documentation with XXXX Heading. KINDLY NOTE ( 1 ) IP ADDRESS XXXX ** IS NOT MY IP ADDRESS. ** ( 2 ) THE SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX ** IS NOT MY ADDRESS FOR DELIVERY. 
** Clearly, USAA DOES NOT CONDUCT ACCURATE FRAUD INVESTIGATIONS AND LEAVES CONSUMER LIABLE FOR FRAUD.
Consumer complaint received 2021-02-22
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: COLLECTIONS UNLIMITED OF TEXAS INC (TX)

The account COLLECTIONS UNLIMITED is not my account. The account does not belong to me. This means that I was not the person which had this account with COLLECTIONS UNLIMITED. COLLECTIONS UNLIMITED has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the COLLECTIONS UNLIMITED account must be deleted from my credit report.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother of XXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (CA)

It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking Ford to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.