davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

New loan closed in XXXX with 3 errors posting in my account. After communication and complaint filed with cfpb, CrossCountry Mortgage corrected 2 errors and 1 remained unfixed. Upon reviewing investigation letter from CrossCountry Mortgage Servicing, I sent out a new notice of error on XX/XX/XXXX. Prepaid interest paid at the closing, in the amount of {$130.00} USD was entered into CrossCountry Mortgage system ; however, this amount was NOT included in monthly statements since XXXX. I later received 2 letters from CrossCountry Mortgage Servicing, stating a response will be provided to me by XX/XX/XXXX. Yet as of today XX/XX/XXXX, no letters were received. Enclosed here are letters of correspondence, most recent statement, general loan information, loan activity, and CD to show the discrepancy.
Consumer complaint received 2022-06-14
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. (TX)

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX XXXXXXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (AZ)

On XX/XX/1023, PennCredit, a Pennsylvania Corporation, contacted me via US Mail in Arizona in an attempt to collect a debt I do NOT owe. 

PennCredit Corporation is NOT registered to conduct business in Arizona. Arizona law requires foreign ( ie, out of state ) corporations that transact business in the state to register with the Arizona Corporation Commission and obtain a Certificate of Authority before engaging in business activities. Therefore, PennCredit Corp is operating unlawfully in Arizona. 

I responded to PennCredit via email on XX/XX/XXXX to 1 ) notify the company that it is operating unlawfully in Arizona, and 2 ) to dispute the debt the company claims I own. 

To date, I have received NO response from PennCredit Corporation. 

The Arizona statute requiring corporations to register with the Arizona Corporation Commission and obtain a certificate of authority is found in XXXX XXXX XXXX XXXX, Article 1 of the Arizona Revised Statutes. The specific section that addresses this requirement i

s A.R.S. 10-1501. A.R.S. 10-1501 states that " a foreign corporation may not transact business in this state until it obtains a certificate of authority from th
e commission. '' The section goes on to define " transacting business '' to include " any entry into this state to carry on any part of its business, '' " any internal affairs proceedings, '' and " any other act which may constitute doing business. '' Therefore, if a corporation wishes to conduct business in Arizona, it must obtain a certificate of authority from the Arizona Corporation Commission before doing so. 

Since PennCredit Corporation is NOT registered and does NOT have a Certificate of Authority with the ACC, it is unlawfully operating its business in Arizona ( and probably many other states as well ) by attempting to collect alleged debts from persons in Arizona. 

Note that every US state has a similar law that requires all foreign corporations register with? Usually ) the Office of the Secretary of State in that particular state.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Called ID of Robo and Potential Spam calls are received several times daily. 
Other calls that I can see in caller ID : XXXX XXXX, XXXX XXXX XXXX Qickenloans, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX Also receive calls from XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX in XXXX
Consumer complaint received 2022-07-22
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I've made several attempts to have these medical bills removed. By sending letters to the bureaus and letting them know that it is inaccurate and needed to be removed. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX   ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything.medical bills more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; These two bills in the amount of {$1800.00} and {$2000.00} are in collection with ARS and the medical bill is coming from the company listed above.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I am trying to buy a house and found accounts with XXXX XXXX XXXX  on my credit report. I do not believe the accounts are accurate but I paid them because XXXX XXXX XXXX   agreed to delete account after payment. 

It is account # XXXX Accounts are still listed on my credit report and are inaccurate
Consumer complaint received 2022-07-22
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)

I need the CFPB to do what is fair and equitable according to the law. As a consumer protection agency, you have a duty to delete what I have identified as erroneous. The companies I have listed is appearing the efficiency of the banking system. CFPB has an obligation to meet my needs and to remove improper utilization of my information without my consent.
Consumer complaint received 2018-08-01
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. (AL)

Hello my name is XXXX XXXX and there are multiple inquiries from the same company By the name of XXXX which is inaccurate and fraudulent I will state them below XXXX  XX/XX/2018 XXXX  XX/XX/2018 XXXX  XX/XX/2018
Consumer complaint received 2022-09-15
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. (CA)

I have contact and retained XXXX XXXX XXXX This Credit Reporting Agency has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next steps. 

Please cease and desist all reporting of these accounts and inquiries. 

Accounts include : XXXX XXXX XXXX - {$0.00} XXXX XXXX  {$42000.00} ( in collections/charge off ). 
XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - {$5900.00} XXXX XXXX XXXX - {$3200.00} Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (WA)

I had an account with Union Bank until 2018. I was supposed to receive a 1099 INT from the bank for the account opening bonus I earned. However, the bank never sent me one. When I called the customer service phone number and spoke for almost an hour, the bank wanted me to come to a branch to collect the form whenever they got around to mailing it. No one has committed to mailing any form or acknowledging that the form would be created. In the meanwhile I am expected to keep polling the branch if they got any mailed form for me. Why does the bank not follow regulations and mail the 1099 INT form to my home address as required by law?
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is : XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Consumer complaint received 2022-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Provide how these accounts were Validated or Delete the following accounts reporting inaccurate and obsolete information. 

1. Capital one This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to XXXX XXXX. 
a ) Promptly delete that item of info from the file of the consumer. 
2. XXXX This account is reporting inaccurate illegal misinformation. This reporting is causing extreme stress and financial pain. This Account was claimed to be verified, how was this account verified with inaccurate information? Please provide method of verification, and original documentation proving this account to belong to me. 
b ) Promptly delete that item of info from the file of the consumer.

3. Capital One After reinvestigation under paragraph 1 of any info disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall c ) Promptly delete that item of info from the file of the consumer. 

Violations being reported : 15 U.S.C. 1692g 15 U.S.C. 1692e
Consumer complaint received 2018-05-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/XXXX LoanCare , LLC did an escrow analysis on my acct which showed a surplus in the amount of XXXX. As of XX/XX/XXXX the company still has not released my surplus. 

I have made several phone calls and have been told that nobody in Escrow takes phone calls. I have been told several times that this issue is being escalated and someone will call me back within 24 hours. I have yet to speak to anybody that can resolve the issue. 

I was also told on XX/XX/XXXX that on XX/XX/XXXX the company decided that they need to re review the escrow since the surplus was so large and that is why they had not done the refund.
Consumer complaint received 2022-06-16
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2023-08-09
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AR)

I tried multiple times to submit a payment to Children 's Place. The website has been down and didn't accept any of my attempted payments. I checked my pending payments and the screen was blank. It reflected as if I didn't make any payments. I tried calling the company multiple times to cancel them and pay in store. Their phones ring and ring to no avail. I was on hold for one hour. This led to the company deducting my payments multiple times and I incurred over {$200.00} of NSF funds with my bank.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

Wise deactivate my account ( wise is a virtual banking services ) I use wise for my payments which is received from my clients and wise suspend my account almost 3 month ago and I summited an email with all the information which they demand like my picture and my national identity card and they give code and they told me to write on blank page and they told me to hold it beside my face with your national identity card and I summit all of the things and then they reply me after XXXX to 50 days and amount is stuck in that which is almost XXXX $ and wise not demand any extra bank account to give your amount but I send but not giving my amount and not telling me why your account got suspended here is my email from where the wise can verify or find my account XXXX XXXX
Consumer complaint received 2022-07-22
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. (DE)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I've attached the letter I sent out a below is the reference number. 

XXXX XXXX XXXX XXXX Account # XXXX According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whim he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate And according to the FRCA 15 USC 1861 everything has to her 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX Account # XXXX Please reference complaint # XXXX
Consumer complaint received 2020-07-29
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. (NC)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

by XX/XX/XXXX I request to XX/XX/XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Consumer complaint received 2018-05-07
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. (GA)

I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.
Consumer complaint received 2018-05-07
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. (GA)

I have requested a full validation of bankruptcies Appearing on my credit file to the credit reporting agencies according to the Law, but they had not complained and these unverified item still damaging my credit worthiness. 
They need to delete unverified items according to FCRA section 609. 
Please help me to clean this matter.
Consumer complaint received 2020-07-29
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: ALLY FINANCIAL INC. (OR)

My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened
Consumer complaint received 2018-08-01
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: SYNCHRONY FINANCIAL (AZ)

My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are XXXX XXXX ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and PayPal ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
Consumer complaint received 2018-05-07
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. (AZ)

This is the second written request asking the companies ( XXXX, XXXX, & Experian ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FACTUAL DATA CORP. (OH)

On XX/XX/XXXX XXXX XXXX XXXX XXXX -XXXX XXXX, Ohio XXXX made 12 inquires on my credit with 12 different financial institutions. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

They also were suppose to pay my car off that I upgraded from XX/XX/XXXX XXXX XXXX. It says I have a balance of {$10000.00}. 

The large amount of inquires and the high balance affected my credit score a lot. I have attempted to contact the finance manager on the matter leaving voicemail stating these issues and NO reply back.