davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (UT)

I would like an independent review of the loan. All email chains, texts and any other communications between the loan officer the underwriter, title company, real estate agents and customer. I applied for a loan on a XXXX XXXX at CrossCountry Mortgage. The loan was for XXXX XXXX dollar home. I put XXXX XXXX dollars down and terms were 50 % payment by cusomer at time of closing. The loan was for the other 50 %. Most of the information requested was gathered between XX/XX/XXXX and XX/XX/XXXX XXXX. It was sent by myself or gathered by XXXX and XXXX at Crosscountry Mortgage. Communications were frequent by text and email. The contract for the purchase was to be completed before or on XXXX XXXX. I was told several times during the process that everything was just great and would close early even as early as XX/XX/XXXX. I asked for a closing on XX/XX/XXXX and explained that I would be out of town. The loan was delayed because of the underwriter constanly. They did not close the loan on XX/XX/XXXX and requested a week extension until XX/XX/XXXX. Last minute request started to come to me until the last request on XX/XX/XXXX. I was not available to gather the information requested becuase I was in meetings until XXXX that day. the comditions os the extension expired at XXXX that day. The requested was not reasonable or timely. I asked several times throughout the process in XXXX if they needed any more information. None of the last minute requests were mentioned earlier in the process. I asked my bank to givie them any information needed two separate times.

The Loan was not Approved becuase of constant delays and unreasonable timely requests. I lost my {$42.00} thousand dollar down payment to seller and XXXX fixed interest rate loan because of the lack of competence and managment of the loan. 
Thank You for your time and please reach out if you need copies of texts and other communications. KEEP ME INFORMED.
Consumer complaint received 2022-10-25
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. (GA)

I am a victim of identity theft and XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXXXXXX XXXX XXXX XXXXXXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXXXXXX XXXX XXXXXXXX is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXXXXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXXXXXX XXXX XXXXXXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

ARS Account Resolution at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amounts of {$1100.00} & {$1200.00}. The collection has been reported as a post due balance. I do not know anything of this company. I have never done any business with this company. The company does not have a contract with my signature.
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XX/XX/2022, I became aware that my account ( Checking and Savings ) was locked ( without notice ) by USAA. All attempts to recover the account online have failed. I have called multiple customer service numbers only to be met with either being transferred to a department that does not answer the phone or 4+ hour hold times.

I am unable to access my funds, use my debit card, or pay my bills and the company is making no attempt to solve this issue.
Consumer complaint received 2022-09-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

4 accounts with Capital One were charged off in XXXX. In XXXX, monies were paid to all the 4 accounts charged off because the XXXX cruise was canceled due COVID-19. During the validation period, I informed Capital One and the collection companies that the amount claimed was not accurate. Capital One refused to acknowledge monies credited to the 4 accounts and then sold the accounts to Collection companies. The collection companies were also informed the amounts are inaccurate and refuse to credit the accounts properly, Capital One has credited only one account and not all accounts and has sold accounts to collections companies indicating in inaccurate amounts owed and the credit collection has updated my credit report to reflect amounts that are inaccurate. I requested validation during FTC law and regulation of the amounts owed and they have failed to validate the amounts actually owed for each account. Based on FTC law, the account should be settled and my credit report should be updated to reflect that the accounts are settled and closed without reflecting a derogatory entry.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MO)

I opened an account with Gemini Trust Company to buy crypto currency on XX/XX/2021. I was able to buy {$500.00} worth of crypto. Now I can't withdraw my money, buy, or sell any of my crypto. I've emailed Gemini Support. It's been over a month and I still haven't talked to anyone to have the problem resolved. At this point I just want my money back from Gemini.
Consumer complaint received 2019-06-30
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. (CO)

I have requested that Equifax, XXXX and XXXX either verify or remove all reference to debts reported by XXXX XXXX XXXX. None of these three credit reporting bureaus have been able to show me proof that I owe this collection agency any thing at all, but still report this debt as mine. I have sent each of them four individual letters between XXXX, XXXX and XXXX, XXXX demanding that they show me proof of their verification, but they have not done so and continue to report debts that are not mine.
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


1. ) Account Name # : XXXX XXXX / Account # : XXXX Reference # XXXX, {$8800.00} 2. ) Account Name : XXXXXXXX XXXX XXXX XXXX {$440.00}, Account # XXXX 3. ) Account Name : XXXX {$240.00}, Reference # XXXX XXXX Account # XXXX T

hese companies has violated my rights!

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

I have already submitted several letters sent via certified mail to resolve these inaccuracies and received no proof or help of these accounts
Consumer complaint received 2022-04-10
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: Westlake Services, LLC (MD)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX md XXXX westlake financial accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX bankruptcy XXXX XXXX discharged XXXX. I have a right to private
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (NY)

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. 

XXXXXXXX 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 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 2022-04-10
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. (FL)

I have few accounts and inquiries list below that have war against my credit profile. I need the following extended Fraud alerts to be remove from Transunion, XXXX and XXXX. 

1.XXXX XXXX XXXXXXXX balance {$2000.00} ( chargeoff ) 2.XXXX XXXX XXXXXXXX the account was paid full and needs to be corrected on credit profile, for longer being a derogatory account. 

Inquiries 1XXXX / XXXX  2.XXXX/ XXXX 3.XXXX 4.XXXX XXXX 5 XXXX XXXX XXXX Following information are in support of my complaint.

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 with out my written instructions, 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector ma
y not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XXXX stubs account was hacked and used to purchase a A-List Membership gift card and sent to someones email for XXXX. I immediately called Capital One and was told that it will be filed as a fraud charge but I have yet to hear anything else about it and it has been almost a month.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, Experian, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?
Consumer complaint received 2022-04-10
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: NAVY FEDERAL CREDIT UNION (NY)

on XX/XX/22, Navy FCU improperly gave me a inquiry on my report which is detrimental to my livelihood and i want it to be removed off my report immediately.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC. (AL)

" XXXX '' has called my roommates number every single day, has called my number several times a day, has called my mother and brother-in-law several times and has also called me at work at the hospital more than several times. On one occasion she spoke to me, so she knows that I am aware of the debt, and I ca n't receive personal phone calls at work. Yet she still calls, even today ( XX/XX/2016 ). She refused to deal with the credit counseling company even after I signed a power of attorney for them to negotiate my debt. I told her I was going to seek the advice of counsel for all my debts to see what I should do, and she spent 30 minutes on the phone telling me why I should n't do it while I was at work. I ca n't tie up the phones so doctors and other XXXX or the XXXX ca n't get through to get results. She obviously does n't understand that. She was told again today by the XXXX manager that I ca n't receive personal phone calls at work.
Consumer complaint received 2024-03-08
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. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (IA)

I asked for removal of late payments due to filing deferment paperwork late. My son had XXXX at the time and I asked for them to remove late payments in goodwill. Instead they added more late payments and dropped my credit score!
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TX)

About two months ago SWBC sent me correspondence saying I needed to pay an escrow shortage to my account in the amount of c. {$750.00} if I didn't want my monthly payment to increase, and that I could log into my account and pay it online. I logged in and filled out the fields to pay it in full. However, SWBCs website interface instead charged me a full second mortgage + the monthly overage I had been paying PLUS the escrow overage. I have called four times now to get them to apply the overage I signed up for for the escrow and, going forward, to stop adding overage payments to my monthly accounts -- to return them to the minimum/basic payments. I have called and been on hold for over an hour multiple times and explained this issue to four separate customer service reps who all apologize and say they have fixed the issue. All are incompetent. I just logged on to my account and see it is STILL on track to be charging me the overage ( {$2000.00} ) in XXXX instead of the base rate that I have repeatedly requested ( {$1700.00} ) and I am unable to adjust this online. I also can not see where I was credited the additional escrow I paid in XXXX. The system is completely broken and there is no recourse to correct it. I have wasted hours of my time trying to fix this and nothing has worked. SWBC is negligent, incompetent, grossly inept and criminal in this level of willful dysfunction.
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act Account XXXX  # XXXX, XXXX & 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (CO)

The basis for my dispute is SANTANDER company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement.
Consumer complaint received 2018-08-09
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: Santander Consumer USA Holdings Inc. (TX)

This company is reporting an inquiry on my credit report that I did not authorize and am not aware how it came to be. Under section 609 of the Fair Credit Reporting Act, which I've quoted below, I am asking that the name and identification of the person that authorized the inquiry into my report and the person the information was supplied to. 

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.