davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (CO)

XX/XX/XXXX someone called and pretended they were XXXX XXXX and said to cancel autopay. I did not call and cancel autopay. This was fraud and Cross Country Mortgage did not address. 

XX/XX/XXXX- Cross Country Mortgage called to say a payment was due. This is because they cancelled autopay without my knowledge, without communication, and without without my consent. 

XXXX at executive resolutions team - customer service issue. Customer service agent did not reinstate biweekly as asked. 
- I paid {$3600.00} and the funds were not applied to my account. The system doesnt know where the funds are that I paid. 

- Confirmation number : XXXX. Payment of mortgage plus principal. 
- Cross Country agent stated they are putting in a case to Locate funds that didnt post. Will bring funds current. 
- Bi weekly will be reinstated - XX/XX/XXXX will pay first week of XXXX payment. XX/XX/XXXX second half. 
- Cross country mortgage to email confirmation. I never received this email. 
- XXXX XXXX customer service agent. 

XX/XX/24 XXXX XXXX put a move funds request in She also put in the bi weekly auto pay in. It will be pending now and no delay to enacting it. 

This never happened. I am now late on a payment because they did not resolve. 

This is my XXXX month having an issue paying cross country mortgage due to their inability to process payments, begin autopay, they cancel autopay, fail to communicate account changes that I have not requested Please look into this company as its committing fraud.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

Since XXXX of XXXX RightPath Servicing, also Mr. Cooper, has claimed to have property insurance documents in their possession that they have relied on to determine the borrower provided insurance is insufficient, therefore, requiring XXXX. This claim has been disputed by the borrower since XX/XX/year> and multiple requests for a copy of the insurance document from the servicer has been made. This is a new complaint and should be treated as such due to the servicer failing to provide a copy of this document. The servicer responds with irrelevant information just to have the complaint closed and this practice MUST STOP. A massive mail dump of 15 mailings with no name or address visible was sent, in one day, none of which contain the insurance document requested.
Consumer complaint received 2024-07-05
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. (TX)

-- -- -- -- -- -- -- -- 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 15 USC 1681.

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 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 of 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 knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-07-05
Product: Credit reporting 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. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute fraudulent inquiries that have been reported on my credit report by TransUnion. My name is XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified several inquiries that I did not authorize. These fraudulent inquiries are negatively impacting my credit score and financial reputation. Despite my efforts to resolve this issue directly with TransUnion, the unauthorized inquiries remain on my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate these fraudulent inquiries and instruct TransUnion to remove them from my credit report. I have taken steps to protect my identity, including filing a police report and placing a fraud alert on my credit file, and have attached copies of these documents for your reference. 

The fraudulent inquiries in question include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I appreciate your prompt attention to this matter and look forward to your assistance in rectifying this issue. The presence of these unauthorized inquiries on my credit report is causing me undue distress and is unjustly affecting my financial standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX 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, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (WA)

multiple requests were sent to lender and escrow company to rectify the situation. Following my previous complaint that escrow company had been withdrawing funds out of my escrow account but property taxes were being paid to the incorrect parcel, the escrow company then paid the back taxes and penalties and interest by over-drawing from my escrow account again - essentially thus double withdrawing funds from my escrow account. 

My escrow account to them now shows an underfunded account and the company is now forcing me to make additional payments to on top of my normal mortgage and escrow payments. It is resulting in additional {$500.00} per month of payments for a mistake that the escrow company made. 

I have requested on multiple occasions and over multiple emails for them to correct this urgently. I only receive emails of acknowledgement with no action. I have called the lender and spoken with their " executive resolutions '' team who indicated to me the only interim solution is to spread out my " underfunded '' escrow payments out to minimize the cash flow issue ; however, even after that " resolution '' offered, they still continue to overdraw my account by {$500.00}. There appears to be no end in sight...
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Truist Bank regarding their prolonged holding of my deposit of {$2000.00}, well beyond the federally regulated 7-day period. Despite almost 15 days passing, Truist Bank has failed to identify any fault and continues to place a lock on my account. 

I have provided all necessary verification regarding the origin of the payment, yet my account remains restricted. I request an immediate resolution, which I believe should either entail the full unlocking of my account for unrestricted use or the prompt closure of my account with the issuance of my full balance. 

This situation not only inconveniences me but also constitutes a clear violation of banking regulations designed to protect consumers from unjustified withholding of funds. I kindly request the Consumer Financial Protection Bureau to intervene swiftly to ensure Truist Bank complies with these regulations and provides me with the appropriate remedy without further delay. 

One notable example is the case of XXXX XXXX, a customer of XXXX XXXX. In XXXX, XXXX deposited a check for {$1500.00} into her XXXX account. The bank placed a hold on the funds, citing a policy that allowed them to hold funds for up to 11 days for checks larger than {$5000.00}. However, XXXX 's check was only {$1500.00}. 

XXXX filed a lawsuit against XXXX, arguing that the hold was unfair and violated federal regulations that require banks to release funds from deposited checks within a reasonable time frame. The court ruled in XXXX 's favor, stating that XXXX 's policy was in violation of federal regulations, and ordered the bank to pay damages to XXXX for the inconvenience caused by the prolonged hold on her funds. 

This case serves as an example of how banks can be held accountable for unjustifiably holding customer funds and demonstrates the importance of adhering to federal regulations regarding fund availability. 


Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-05
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. (FL)

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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

Hello My partner and I applied for a Wells Fargo credit card to pay for an appliance. We were offered a promotional rate that ended on XX/XX/XXXX. I paid off the remaining balance of the card with a balance transfer from XXXX on XX/XX/XXXX, and the payment posted on XX/XX/XXXX. This payment is shown on my XXXX balance page and did not update on the Wells Fargo card. 

Since the balance isn't being shown as paid in full on the Wells Fargo account, I have been charged deferred interest in accordance with the terms of the card, though I did not understand this until today when I was charged the intereset. I intend to call them on Monday when they are open but I do not trust Wells Fargo to handle this honestly. I need to know if I have any options to deal with this issue since I paid every penny of the balance on my end but am being charged an additional $ XXXX of interest. Is there anything the CFPB can do to help? 

Kindly XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc. (IL)

Since 2021 I have been receiving emails from First National Collection Bureau , IncXXXX Their Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim I owe them a debt in the amount of {$770.00}. I have explained to them before I had never done any sort of business transactions with their said creditors, to be sure that I have never done any business with their creditors I check my credit report. And they are not listed on my report. I've explained this to them previously but it seems as if they are not understanding.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

On or about XX/XX/XXXX, Synchrony bank ( Sam 's club MasterCard ), from here forth refereed to by the name " bank '', should have delivered a monthly billing statement via the United States Postal Service. Per the bank, on my phone call on or about XX/XX/XXXX to the bank, the bank claimed to have sent the bill via the USPS and that the bank received the bill back to them is " unable to deliver. '' At this time I verified the my address with the bank and requested the balance, requested a duplicate billing statement to be sent, requested any late fee, penalties, and interest be waived, and electronically paid the bill in full on that day. The bank complied with all requests at that time except could not do anything with the interest at that time due to it not having been charged to the account, couldn't see it on the account, or some other goofy bank thing. I informed them at that time, if I saw interest charged in association with the banks failure to legally deliver the billing statement ( through USPS ) I would not pay it and I would be calling back in for them to waive it. Upon receiving the next USPS correspondence from the bank, there was a {$4.00} interest charge on the document. I phoned customer service on or about XX/XX/XXXX and requested they remove that interest charge being this was associated with their value to provide legal notification of billing. They declined to waive the interest charge. I informed them at that time due to their non-compliance with ethical business practices I would like them to close my account. The bank representative claimed to have processed that request. On XX/XX/XXXX I paid the {$4.00} in interest.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have disuputed this inaccurate information that is reporting on my credit file several times. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Please remove the following address XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX MI XXXX please remove these closed accounts there were no account numbers 1 ) XXXX XXXXXXXX price $ {$470.00} 2 ) XXXX XXXX {$0.00} for 1 ) XXXX XXXX XXXXXX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX {$1500.00} 15 U.S.C. 1681 section 604A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1C ( a\5 ) Section State : No consumer reporting agency may make in consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crime which are antedated the reports by more than seven years.

15 U! S.C. 1681s2 ( A ) ( 1 ) A A person should not furnish any information relating to a consumer to any consumer reporting agency if the personals or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2024-07-06
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)

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 15 USC 1681.

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 inructions 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 of 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 knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Bank XXXX XXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B