davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

On XX/XX/22 I received two ( 2 ) identical letters from CrossCountry Mortgage stating as a subject line : Second and final notice- please provide insurance information. I never received a first notice and I have informed delivery through USPS that confirms when letters are being delivered. I paid and subsequently submitted this information to CrossCountry when my hazard insurance renewed several months ago. Now I receive a letter/notice that they are going to force place insurance on my loan. I have resubmitted this information as of XX/XX/22 ( same date I received their letter/notice ). I am not sure why I have to continue to their job and receive threats from CrossCountry for their failure to perform their obligations under the loan agreement. This will be the fourth complaint I have filed with this mortgage company since the inception of my loan. CrossCounty is threatening me with {$4000.00} of force placed insurance when they have already been provided my XXXX  insurance XXXX page for {$410.00}.
Consumer complaint received 2022-09-21
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. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX XXXX  ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NC)

I went to the Bank, paid the credit card in full and ordered the account to be closed. A week later after the bank said the card was closed, Elan allowed other charges on the card without my consent and then put late payment remarks on my credit when the charges should have never been there in the first place. After contacting Elan I was forced to pay the charges before Elan would close the account.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

Southwest credit systems. 

Grossly failed to follow the policy in the procedures governed by the fair debt collection practices act as well as violations committed under the fair credit reporting act. 

Upon me being notified that I was a victim of identity theft, I am mediately took the necessary steps to make sure that I did everything the correct way to remedy this intrusion. A complete fraud packet was sent to all three major credit reporting agencies as well as the individual collection agencies. 

Upon receiving this request and notice of possible identity theft, this collector company was supposed to conduct an investigation into the fraud accusation and claim. A fraud packet was presented to the collection company through XXXX as well as one was submitted to them via certified mail. 

Apart receiving this request, this collection company did not investigate into the fraudulent claim and violated section 809 subsection B validation of debt. 

In that section it states very clearly the following, if the consumer notifies the debt collector in writing within the 30 day period described in subsection a that the debt, or any portion therefore, is disputed, or that the consumer requests The name and address of the original creditor, the debt collector shall cease collection of all debt, or any disputed portion therefore until the debt collector obtains verification or completes his investigation into the fraud claim. 

When I called to check the status of their investigation, the representative stated to me that no investigation into identity theft was not being conducted. They also validated that they didnt even see a request for it.
Consumer complaint received 2022-10-13
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 (NY)

I have filed XXXX XXXX XXXX XXXX XXXX I have not received resolution on this matter as to repalcement of defective chair Is there a " drop dead '' deadline for merchant to respond? 
If so what is date and what is Capital response to me I am getting perturbed and stopped using Capital card until this issue is resolved Please issue letter summation on this dispute I just want a replacemet desk chair, I sent pics and receipts twice and chair is estimated to be {$71.00} of of {$120.00} purchase of desk and chair
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

While checking my American Express account I noticed there was an additional card in my name. The card had an old credit card number on it and a new expiration date. I previously had this card and American Express sent me a letter ( which I still have ) that they were sending me a new one since the old one expired and I would also get a new credit card number. This was years ago, and I have only been using my new credit card since. 

I immediately froze the card and called American Express to inquire how an old, expired card that they sent me a letter stating it is no longer in use ; the card number is not in use, how that randomly shows up on my account again years later as active. 

After escalating to the supervisor, she claimed they have had problems in their application department where individuals are trying to increase their sales and open a new account under customers name. She also claimed this has been corrected. Obviously, this has not been addressed or corrected and American Express has committed sales fraud in my name. 

The supervisor stated she would close the account and that also concerns me whether or not there was a hard inquiry and when a card is closed, I will suffer a negative hit to my XXXX XXXX. 

This is exactly what XXXX XXXX was guilty of ( among others ) and now American Express.
Consumer complaint received 2022-08-26
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. (MS)

Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.
Consumer complaint received 2022-10-13
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX XXXXXXXX XXXX XXXX Account number : # XXXX,, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, CitiBank transferred {$20000.00} from my Citi credit card account into my XXXX XXXX XXXXXXXX checking account. This was without my knowledge, and I have no idea how they got the information about my accounts. On XX/XX/XXXX I received the following email. 

Dear XXXX, I am writing to inform you that I mistakenly transferred a sum of {$20000.00} to your XXXX XXXX XXXXXXXX account ending in XXXX on XX/XX/XXXX. This was a clear error and intended for a customer. 

Please kindly let me know how soon you can help return the funds for me to send account information as soon as possible. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX Bank Name : Citibank Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX. 
( Remittance Director ) E-mail : XXXX I responded that this was up to the banks and I would not resolve it by text and email since it appears to be a scam. 

I got more emails from XXXX including the following on XX/XX/XXXX. 

I am sorry I have to report this. There is no way I can refund this when I am too sure you have it and don't want to refund it and will look at me losing my job and still being in debt. I filed a case with the FBI today ; the letter is in the attachment. 

-- -- On Wed, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX wrote -- - This was a typo on my part, XXXX. I implore you to assist me as much as you can ; failing to do so may result in the loss of my job and further debt since I will be required to repay something I do not have. I implore you to assist me. 

The FBI submittal is attached. 

I never responded and I paid back the {$20000.00} but Citibank is charging me interest. I have called their security line 3 times, canceled the credit card account used, and have heard nothing back. I also submitted a summary to XXXX on XX/XX/XXXX, with no response or acknowledgement. I appreciate any help you can provide, I have spent too much time trying to get some sort of response out of CitiBank and hopefully you can get them to explain what they are doing and if this is a scam. 

Thanks you and regards, XXXX XXXX
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX, # XXXXXXXX XXXX XXXXt # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to Trans Union, XXXX XXXXis in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2024-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation (FL)

Hi. 
I do not owe money to anyone. I received an attempt to collect a debt I have no information about it. Just a letter no information or description or who it is. 
This looks like an scam
Consumer complaint received 2022-05-25
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. (CA)

I have disputed this XXXX XXXX  on Transunion and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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)

In accordance with the XXXX XXXX XXXX XXXX this account XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The account provided I requested Transunion whom is the only bureau reporting this fraudulent account to verify the information with this account for I did not recognize it. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint.
Consumer complaint received 2022-05-25
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc. (FL)

Dear XXXX XXXX XXXX, and Financial Recovery Services , INC . 

I received your letter at my address dated on XX/XX/2022.

However,

I have two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.
Consumer complaint received 2022-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-11-21
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MD)

Around XX/XX/2021, fraudulent purchases were made on a wayfair credit card linked to wayfair my account on wayfair.com. There was an amount for {$760.00}, {$400.00}, and {$410.00} made on one day. I noticed these purchases from an email the following day. I reported these claims and they were resolved, but they have reissued the amount back to my account stating that I am now responsible. There is clear poof that I didnt not order these items by the name used and the location there items were sent. With the quick response I provided to the issue these orders should have been prevented from shipping and the transaction should have been canceled but the response team did not act in the proper accord to secure their assets and create a worthy customer fraud remediation. I am now stuck with a bill of almost {$2000.00} dollars that i did not authorize. I am also paying interest on an account that guaranteed 24 months not interest. 

This experience has been displeasinf for them to respond this way 60 days later.
Consumer complaint received 2022-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NY)

on XX/XX/2021 my mortgage was sold to BSI financial i was in the process of a loan modification due to XXXX forbearance. I had signed and sent back my modification to XXXX XXXX XXXX  and received back the signed legal documentation of the agreement that it was complete. During this process my mortgage was sold. I kept making my agreed upon payments to BSI. Then I received notification that I was owed money on the account due to ( covid forbearance ) and was never told that my monthly payments were not going towards my principle but money i owed that i didn't know i owed ( Wich is why I'm having issues with modification ). I called them and explained I had a modification with previous company they claim XXXX XXXX never sent the paperwork, so I Emailed it to BSI then they proceed to tell me after BSI reviewed the modification its invalid and they won't accept it. I was never notified by BSI financial of any issues when they took control of my mortgage or that we would come up with a new modification BSI decided on their own to send me a modification that was incomplete and gave me a higher interest rate and brought my payments up {$400.00} dollars and the paperwork was incomplete the escrow wasn't included in the monthly payment. After trying to contact them endless amounts of times via email and phone calls leaving countless messages and no call backs finally got XXXX with BSI they said they could work with me and bring the payments down which to no surprise it didn't was the same thing trying to call and speak to someone is impossible now I'm in danger of foreclosure. this company doesn't want to work with people they just want to put them out of a home. I would like to note that I've been researching them and there has been lawsuits against them for not honoring modifications that were agreed upon from previouse mortgage companies.
Consumer complaint received 2024-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (NJ)

I was notified by US Bank that I had a shortage in my escrow. I followed all links and instructions to see the amount and make a payment. The amount is not given anywhere online in my account and I could not obtain any help from the company.