davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northeast Recovery Solutions, LLC (CA)

Starting XX/XX/XXXX have received multiple calls at work and cell phone saying they are re activating old lawsuits against me Calls come from North East Recovery XXXX XXXX XXXX they have not sent me any documents by mail just leaving messages and saying they are contacting my work managers and are looking at my assets and employment to attach the judgement tp
Consumer complaint received 2022-03-12
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent a response to Transunion regarding my consumer credit file, I noticed there was no prior full investigation, I requested Transunion to update consumer file and remove all delinquencies and update consumer file as I saw on my consumer file. 

Transunion has inserted a derogatory remark which violates 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Consumer complaint received 2022-03-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CT)

I have had the Bluebird by American express/ XXXX XXXX XXXX for at least five years. Recently, I purchased something then a week later, returned it. Since it was purchased through XXXX with my American Express bluebird card, that is the way they refunded it. So everything on the XXXX and went through smoothly, it shows up on my American Express bluebird account but they will not release the funds for seven days. My account reflects that the Refund was processed XX/XX/XXXX but it says hold for merchant review. these funds not available. I dont know what kind of trickery they are trying but lately if I have a refund no matter how small or how big, American Express Bluebird has a seven day hold on it even though its on my account as a refund. My thinking is they make money and my money for seven days and they owe me interest because it has already hit my account on XX/XX/XXXX but theyre holding it. I would like to file this complaint against them and havent researched because if it showing up on my account shouldnt I have access to the funds? I have never seen this with another bank in my life. I also have a XXXX, XXXX XXXX XXXX XXXX card and none of these hold for merchant review. I know theres some loophole that theyre probably falling through because truthfully I dont think any of them are American, as suggested by American Express. The bluebird card is linked to put in my payroll, which I never had an issue with. But whenever I have a refund I have to wait seven days? Now if it never showed up for seven days I could kind of understand that but since its just sitting there in my account, someones making money and it isnt me.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (MS)

The company I'm complaining about is Experian. My credit score has been XXXX since last year. My credit core with XXXX and XXXX had been up and down. Right now my credit score with them is between 789 and 801, give or take a few. 
I didn't use their Experian Bosst and I believe they are keeping my credit score the same. My husband tried to get a XXXX XXXX refinance, and he couldn't because of Experian. He only has two creditors and they are paid on time. I believe it may be a race issue, but I need this to be investigated ASAP. Thank you.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

ocwen bank had my mortgage i was behind on one payment i called them to see my options i was told that modification dont take as long as they use to, i had one a few years ago and it took 7 years and i did not want that again, i wanted to pay my mortgage just wanted that 30 days late off my credit report, well started modification 2 years ago, never got anywhere with ocwen but they traded my loan to phh mortgage 4 months ago and i get a sheriffs sale notice i have sent paperwork everytime phh and ocwen asked and have it documented that it was received then phh comes back and says ok we got that now the other ones are over 60 days old, i have yet to hear if declined or accepted my modification and time is ticking my case manager suposidly XXXX XXXX at XXXX ext XXXX EVERYTIME, and there were many at different times i have yet to speak to himi he is never there they have eveything they need and i need to see if i can save my home, i feel they are not doing anything they are just gon na let this go into sheriffs sale and i do have a few tenants
Consumer complaint received 2019-08-07
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. (FL)

7 months ago my lease became expired and i moved out of my apartment. Now there is a collection ( account number XXXX for {$1100.00} ) on my file indicating that I owe money when in fact management fail to refund my prorated rent. I have attached correspondence between me and upper management discussing the matter where he admitted that proper protocol was not followed by his staff when I vacate the apartment. The management team was new and in training and failed to follow proper procedure, and now XXXX XXXX is harassing me to collect money. XXXX XXXX have called me on several occasions and late evenings. They have been very disrespectful and intimidating. The original Balance reported was {$1100.00}, and out of nowhere a {$31.00} interest charge was added to this collection account.
Consumer complaint received 2016-01-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MA)

Citimortggae keeps losing letters of authorization .A permanent '' Letter of authorization '' onwas sent to me an I filled out it was sent back electronically and certified mail to XXXX XXXX and XXXX .This is a delay tactic.also CitiMortgage fails to answer my XXXX 2015 letter for answers on a solicitation they sent to me.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NC)

I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i have a mortgage still associated with my credit from 15 years ago. she has re financed per the court order yet it still shows. she has missed numerous payments and is destroying my credit. 
MOST IMPORTANTLY tho. i have bankruptcy on there from XXXX of XXXX i never filed for bankruptcy. please help and remove this asap. Im going to lose everything because of someone else. please please please help
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

Opened a Citi account with promotion code XXXX, for {$400.00} bonus.Deposit of {$5000.00} in checking and {$10000.00} in savings on XX/XX/XXXX18.Maintained for 60 days which would be XX/XX/XXXX18. Then an additional 90 days for bonus to post per terms of agreement which would be XX/XX/XXXX18 at the absolute latest. All requirements are met. {$15000.00} still in open accounts so it is open and active but Citi has not posted my bonus. It is nearly a month past the absolute latest that Citi promised to post my bonus.
Consumer complaint received 2022-03-28
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. (TX)

After speaking with XXXX Bank, new information has come to light on their reflecting late payments to their company. Their claim is that I purchased an XXXX at XXXX in XXXX of 2021. As earlier reported, I gave my son permission to purchase the system via XXXX XXXX. I have found the receipts and the proof that he purchased the system months later using out XXXX XXXX card at XXXX XXXX. XXXX, we have a case of identity theft. We did not make this charge, it should be removed from my credit report. Further, I paid the invoice because I wanted to stop the negative information. I would like to be reimbursed for the amount I paid. 

Note also that the purchase was made and picked up in XXXX area. 

I have the receipts, serial numbers, etc of our purchase. 

Please help me resolve this with XXXX Bank.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (IN)

On XX/XX/XXXX, I received a letter/statement from Truist Bank , alleging it was servicing an account of which I have no knowledge of, attempting to collect an " Overdrawn Balance '' of {$110.00}. The account number referenced in the letter from Truist Bank is # XXXX. Truist Bank apparently operates out of XXXXXXXX XXXX XXXX. I am a resident of the state of XXXX and have never lived in, banked in, or contracted with any company for credit or services within the state of XXXX XXXX. An attempt was made to steal my identity, along with my wife 's identity, in XXXX, involving BB & T Banking. In that matter, the XXXX XXXX, XXXX Sheriff 's Department made an incident report, and that bank closed XXXX ( XXXX ) accounts that were fraudulently opened under our names thru Internet Banking services BB & T provides.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (ID)

Suntrust Mortgage refuses to recognize me as having the legal authority to conduct business and receive information regarding the status of the mortgage in the name of my mother, XXXX  XXXX. XXXX. 
My father, XXXX XXXX XXXX, passed away XXXX of XXXX. 
My mother, XXXX  XXXX. XXXX, passed away XXXX of XXXX. 
I am the surviving trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX family trust. As such, I am authorized to conduct all business financial and otherwise on their behalf. 
I provided to Suntrust Mortgage, per their request, on XX/XX/XXXX the following documentation : 1. Origintnal death certificates for both XXXX XXXX and XXXX  XXXX. XXXX 2. Notarized documentation of my appointment as Trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 3. A notarized copy of the Deed of Distribution of their personal home located at XXXX XXXX XXXX XXXX, XXXX ID XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
4. A XXXX XXXX Sales Verification Receipt verifying the deed transfer of the real property located at XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I call Suntrust Mortgage to discuss the status of this loan I am told that they can not speak to me because I am not authorized. I am told that when they look in the computer they do not see the documentation that I sent. However, I have documentation that they received the documents.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (VA)

I am filing a complaint against the following crypto currency trading company : Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX Floor XXXX XXXX NY XXXX e-mail : XXXX Phone : XXXX ( XXXX ) XXXX My complaint is that the company has frozen my trading account twice without explanation or justification. The first time was on XXXX XXXX  and it took 5 days to resolve. The most recent incident occurred on XXXX XX/XX/2021. It has not been resolved. Since my account is frozen, I am unable to access my account which is worth a significant sum of money. This means I can not buy or sell crypto currency when the price rises or falls. It also means I can not withdraw my money. This could easily be considered a case of theft since Gemini has deprived me of the use of my property. 

Numerous, daily e-mails have been sent to their customer support desk. No response has been received. Ive also contacted their customer support team on XXXX, but again no response has been received. Gemini does not list a phone number for customer service.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX locked in a rate XXXX signed a rate lock extension XX/XX/XXXX have not received any updates I am in the process of refinancing VA to conventional. I locked a decent rate in mid XXXX. I have filled out and returned all documents asked of me in a timely manner and they had to do a 14 day lock extension. I have had 4 different customer advocates. I have not spoken to my loan originator once. It is very difficult to get anyone to email me back or get in touch with anyone at their company. Every time I call they state that they do not have an assigned customer advocate for me. I have gotten a number for a refrigeration company in XXXX. It was the number this mortgage company gave me. I have tried everything including a complaint with a manager and she stated this loan would be expedited back in XX/XX/XXXX. Rate lock ends XX/XX/XXXX and because of the rise of interest rates in the last 3 months I truly believe they are doing everything possible to keep me from receiving this rate. I even tried to refinance with another company in XXXX but because of the rise of interest rates they were unable to match it.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: AppFolio, Inc. (IN)

AppFolio is charging {$2.00} per payment for online payments. This is anti-consumer and illegal under the junk fees legislation passed the last couple years. Please do something. Millions of people are forced to pay this unnecessary fee because of corporate greed and corruption.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 2022-03-28
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. (TX)

XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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.