davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened a new account at Citibank in XXXX XXXX and at first I was a victim of fraud and then the second thing melwas I deposited a check because I sell things on XXXX and someone pay me by check and it bounced so then I got a deposit it two more checks at an ATM when was a third-party income tax check for {$290.00} the other was a XXXX XXXX credit card check for someone that bought things from me and I helped XXXX XXXX XXXX so that was also like on XXXX first thing told me that they would release {$200.00} then in a couple more days of the deposit was made on duty on XXXX XXXX in a couple more daysrelease {$400.00} called so where are you going they called XXXX XXXX XXXXwere the check was drawn on to see if the check would clear and XXXX XXXX 's of the check was good they still would n't release it because they wanted to talk to the person that wrote the check and do like a 3-way conference call XXXX XXXX so we do n't do that so they still have my account on freeze said it would be released XX/XX/XXXX or the XXXX came around they still wo n't release it and she 's the branch manager told me that the only person that can release me sit is the fraud department so I called the fraud department the next day and they still wo n't release it they said they told me I needed a notarized signature from the third party income tax check so I told them why have power of attorney because the person is a vet and an advocate for veterans and they were in the XXXX XXXX at the VA because of her XXXXXXXX XXXX and ca n't get out so I had power of attorney they still release it so then they said that I needed they needed a signature from the woman that wrote the {$2000.00} check so I went and got a notary signature for the one with the {$2000.00} check and took that nto my bank last Thursday which was the XXXX and they were supposed to fax it over to the fraud Department well I checked and they did n't do it they did n't do it so on Friday and every time I tried to call the bank no one answers so on Friday the XXXX that someone I had someone from the fraud call the branch that is at I mean the branch I use and they said that is taken care of and the check was mailed to me well I never got any check and so I called again and I keep getting the runaround from people they would n't tell me anything they said I have talked to the fraud department and then they said now they want more documents so I 've about had it there 's no reason that you should have so now they 've had to check the for one month they have not released any of my fiunds. and this is Citibank and the branch that I meant to it is like XXXX XXXX & XXXX XXXX XXXX zip code XXXX so now I 'm back to square one trying to find more documents for them but the checks have been cleared for over two and a half weeks it 's absolutely ridiculous there 's no judgement to keep my account Frozen there 's no reason why they ca n't come give me my money
Consumer complaint received 2017-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a separate complaint from XXXX. I was rebilled for a separate transaction dispute that had already been resolved. The complaint made on X/X/17 resulted in a refund ( {$280.00} ), however a different charge ( {$230.00} ) was re-billed to my account without reasoning. On X/XX/17, I filed a complaint with your department ( Complaint ID XXXX ) regarding a charge I was disputing with Capital One. On X/XX/17, Capital One credited my account for the {$280.00} from my complaint, but re-billed me {$230.00}, a charge for a separate unrelated dispute I previously had with them. I contacted them several times regarding this matter. They refused to speak to me regarding either of my disputes and insisted I contact the " executive resolution department, '' however provide no phone number or contact information for me to reach out. The last notice I received regarding this charge was on X/XX/17 requesting additional documentation to continue my dispute. They asked for a sales invoice and a second opinion on company letterhead from another merchant regarding the same matter. Both of which I submitted. Credit was issued and no further information was required of me. Please review documents attached. Thank you.
Consumer complaint received 2017-07-20
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. (NC)

I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

Re : Voluntary Discontinued of Chapter XXXX Bankruptcy FILE # XXXX Docket # XXXX To Whom It May Concern : Fair Credit Reporting Act 1681c relating to bankruptcy dismissal. XXXX Federal Courts of Georgia dismissed this case and does not exist in the eye of the law as it has been adjudicated. Therefore, you have no right to maintain information which the government deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and me an updated copy when this action is completed.
Consumer complaint received 2017-07-20
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)

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/EXPERIAN/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (MD)

A computer glitch that was XXXX 's problem - not mine - caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by XXXX. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make XXXX stop victimizing me. I 'm asking as a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-08-21
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX, XXXX, TransUnion Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed onXX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-07-20
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. (MD)

A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by TransUnion. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make TransUnion stop victimizing me. I 'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On or about XXXX XXXX, 2017, my account to both BUY and SELL cryptocurrency was blocked ( restricted ) on Coinbase. I have no ability to sell any of my virtual currency - of which I own over {$120000.00}. I can not buy more. They are holding my money XXXX, not allowing me to access the cryptocurrency  and sell when the market drops. I have sent emails every day, sometimes twice a day. At first they ignored me. Then I started sending XXXX messages to their support team and executives. They sent me a note from a customer support rep scolding me for being impatient and saying they were working on it. On XX/XX/XXXX I got a message saying my account had been unblocked. TOTAL LIE - I am still completely blocked. This is obviously illegal and a scam. I have over {$120000.00} sitting with this company that I can not access. They ignore all requests for help, have no phone support and when I did finally reach down their corporate office phone, all you get is a voicemail or an automatic hang-up. A company that goes to great lengths to make sure no one can contact them is a scam. These people hold millions of dollars in consumer funds and have thousands and thousands of angry customer complaints all over the internet. They need to be CLOSED DOWN.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : XXXX XXXX via XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing information that i did n't authorize.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-07-20
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. (NC)

On XX/XX/2017 I submitted an online dispute with TransUnion and XXXX concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Opened a checking and savings account with 53rd bank, branch location Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. During XX/XX/XXXX bank received a Fraudulent garnishment claim from a XXXX XXXX, 53rd bank then placed a hold on both my accounts for a total of XXXX. The funds in my account at the time was exempt from all garnishments, pension payments are exempt. 53rd then informed me that they can not close out my accounts until the garnishment is paid in full {$14000.00}. Despite knowing the accounts were exempt from this garnishment 53rd removed {$10000.00}, then XX/XX/XXXX, 53rd removed more of my except pension payments a total of {$15000.00} was removed from both my checking and saving accounts paying off and exceeding the amount of this garnishment. During XX/XX/XXXX I noticed that my credit report has the total amount owning I then contacted the bank and was informed that they do not know what happened to the monies removed from my account. After contacting the 53rd corporate offices, I was informed that a check for XXXX was removed from my accounts but they are unaware of what happened to {$5000.00} or where it was sent. Corporate office was also unsure of why the funds was removed at all when monies were exempt from garnishments.
Consumer complaint received 2017-08-21
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. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, Equifax, XXXX, XXXX Re : Acct # Fraudulent Accounts reinserted without notifying me To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by XXXX XXXX, XXXX XXXX, XXXX, XXXX, CXXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered recently that the item has been reinserted on my credit report. XXXX XXXX posted several bogus account on my report to try and get some compensation thinking that I was ignorant enough to fall for it. This is by far disrespectful and misuse of my credit report, several laws we 're broken according to FCRA. I am consider filing charges along with filing a civil law suit at the court house in my county upon the response I receive in 5 days or less. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any  information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly. XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP (FL)

I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.