davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

The problem is not listed so I just chose the most innocuous one.

Last year, United Wholesale Mortgage mismanaged my escrow account by not using my money to pay my insurance for a year. The insurance expired and I was not able to get insurance with that company again. I got insurance with a new company and paid for it myself out of my pocket because I don't trust United Wholesale Mortgage to manage my money. 

I filed a complaint with your organization and United Wholesale Mortgage lied to you and gaslighted you and you closed the case. 

I have continued to pay my own insurance and United Wholesale Mortgage refuses to lower my escrow cost so I have continued to pay my mortgage without fail even though they increased my escrow charges! 

Two weeks ago, they sent me an email saying they " paid your property taxes '' when they didn't. They actually paid my insurance! 

I decided to look at my escrow balance and I found a secured message from them that said I had a shortfall in my escrow account! They never contacted me about this. I found out by accident. I responded by asking them where the money went and also why are they paying my insurance when I already paid it. They never answered me. 

I decided to look on the website and see if they answered the message ( but never contacted me like before ) and now the website says I have a shortage of nearly {$6000.00}! Where is the money I have been giving them every month? Now they say they are increasing my monthly payments by over {$700.00} per month!!!!! It is absolutely impossible that I am short this money. WHERE IS MY MONEY? 

I have tried calling but the people on the phone just hang up when they don't know the answer to my question. WHERE IS MY MONEY? 

I asked them to close the escrow account and let me handle my own money since they have proven to be incapable to do that. They said they won't.
Consumer complaint received 2023-06-02
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. (FL)

I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.
Consumer complaint received 2021-05-18
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. (FL)

I have submitted a dispute with both XXXX  and XXXX  regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XXXX XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 XXXX FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (GA)

This is me, XXXX XXXX XXXX XXXX a Resident of XXXX XXXX XXXX XXXX, Georgia XXXX, and I am writing this letter on my own behalf. 

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hello I have been in contact with Citizen Banks since XX/XX/2023 on several different times in regards to my accounts savings and checking accounts. I have explain more times that one that I have been in contact with police department, XXXX and my phone carrier as my personal information has been taken off my device illegally from employees Ive had to fire. I have communicated that I do not feel safe having the same check and savings account numbers because the people that stole my information are posting my information publicly and they are still not doing anything to give me new account information or anything. They are not providing any information as to call in history or anything. Im left in the dark. I have have several issues with this institution but this is my first time filing a formal complaint with CFPB but Citizens Bank does NOT care about the safety nor privacy of the accounts of their members. That has been made VERY clear! On the phone, in-person, and in text message with their bank representatives. I have been told by their in branch associates that they really only care about high volume memebers and high volume accounts. I have had to speak with several branch managers or representatives as well as the chairmans office and overall this institution doesnt care at all.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stone Creek Financial, Inc (IN)

Stone Creek Financial, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!
Consumer complaint received 2021-05-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has stated that I the consumer owe a debt and has reported on my credit report without my permission and by doing do they have violated FDCPA. I have communicated with XXXX XXXX to request verification of the alleged debt however I have not received any response. 
On XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX a Cease and Desist letter along with Debt validation/verification letter. Capital One did not rebut the letter point for point with proof of a valid debt owed and I have not gotten any response from any of my correspondence to them in regard to this alleged debt. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit of Service by mail. 

XX/XX/21 I sent the XXXX XXXX CEO, XXXX XXXX an Affidavit attesting to the mailing of papers or documents ( with documents attached ) & Notice of Record - Notice of Default and Opportunity to cure. 

I have attempted to settle this matter with XXXX XXXX XXXX XXXX XXXX XXXX, however the company continues to report negatively on my consumer report and has violated several of my consumers rights. I have suffered emotional distress, defamation of character, and other unseen injuries. Please see all violations below : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms.
Consumer complaint received 2021-05-17
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)

There are XXXX accounts and XXXX addresses listed on my credit that I don't recognize or it doesn't belong to me. Can you please kindly remove it? Thank you.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

My name is  XXXX   XXXX   XXXX   XXXX , and I am a   XXXX   XXXX   XXXX   veteran of the United States  XXXX  pursuant to   XXXX   XXXX   in  XXXX . Sadly I have written you about this very same issue most recently, and it is still not fixed and has become more ludicrous than ever. Today,  XXXX   XXXX     2017, I  received yet more correspondence from the   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama asking for a " fire declaration  page-2nd  notice. ". This agency is sub-contracted by  USAA for  Wind and Hail on my house. This is absurd considering this Monday or Tuesday, I received in the mail from  USAA a co mplete and valid policy from the   XXXX   XXXX   XXXX   XXXX  . So how can they possibly still require anything from me and why are they not going directly though  USAA    XXXX   XXXX   XXXX  ? This makes the 7th correspondence I have received from the   XXXX   XXXX   XXXX   XXXX   since  XXXX   XXXX   2017.  I have contacted  USAA cou ntless times about this to no avail. I contacted them again today and spoke to a  XXXX . I told  XXXX ,  USAA had     XXXX   options, get this fixed once and for all by Fri day ( whi ch I have no hope of occurring ) ; foreclose my mortgage as I really no longer care, and third I was going to write your organization again. This is sheer harassment plain and simple. Furthermore, it is odd I have had issues with  one  of the biggest players in Insurance, the Probate Judge of  XXXX  County Alabama  XXXX   XXXX , who has no formal legal training, and was the  XXXX  of  XXXX  for  12-years unt il had to step down for dubious reasons. Furthermore,  XXXX   XXXX  has ties to former  XXXX   XXXX   XXXX , who utilized law enforcement and other agencies to intimated citizens of Alabama. This letter from   XXXX   XXXX   XXXX   XXXX   was signed by a  XXXX   XXXX   XXXX , and did not include form they wanted me to sign. Furthermore, there are over   XXXX   veterans in this area.  XXXX   XXXX  is a veteran and  USAA is a  veteran/service member bank. I do not know if there is any connection betwee n USAA,   leadership,  XXXX   XXXX  and  XXXX   XXXX  but given all my issues this should more than likely be explored by the appropriate personnel or government agencies. I have had more issues with  USAA of all di fferent sorts the last  3-4 ye ars than I have had since I joined when I was  XXXX -y ears old and e nlisted in the  XXXX . For reference,  XXXX  and  XXXX   County is one  of the richest cities/ counties in the  State  of Alabama  XXXX  with alot of billionaires and multi-millionaires, which translates to a lot of influence.Thank you for any assistance in a advance.     PS : In my subdivision of   XXXX   XXXX  , most houses survived bot h Hurricane   XXXX  and  XXXX  with minimal damage, so really why the requirement for wind and hail or at least a significant discount?
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

I have been asking Caine & Weiner at XXXX. XXXX XXXX XXXX XXXX, CA XXXX, Phone # XXXX to VALIDATE a debt that they say I owe since the middle of 2020. But instead, their company ALONG with all 3 credit bureaus have only VERIFIED the debt ... This is severely hurting my credit profile and ruining my chances at homeownership. I have asked for certain things like the contract with my signature, and how did they calculate the amount of the debt owed etc ... and the only thing they keep sending me are things like a settlement letter from their company ( Caine & Weiner ), or a COPY of a payment coupon from the original creditor with no signed contract ... And the bureaus keep reporting this as VERIFIED which is not VALIDATING the debt.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (AL)

I fell behind on my mortgage a few months ago due to XXXX reduced hours, and missing time from work during my illness. The mortgage company emailed me about the past due amount and said I could get help if I fell behind due to XXXX. I called and asked if I could get help and the answer was no. They were only concerned about their money. 21st mortgage has never tried to help me. They want to know all your business and are very rude and disrespectful when they speak. I've been living in this home for 9 years and only {$4000.00} has gone towards the actual mortgage. The interest is outrageous. Also, the roof was damaged during hurricane XXXX and I filed an insurance claim. They sent a check then I sent it to 21st because they had to sign it. They won't send the check back unless I send them some estimates and some other paperwork. That's ridiculous!! They are trying to keep the money instead of sending it so I can get the roof fixed. The check is only {$3900.00}. I'm going to have to pay extra out to pocket to get the roof repaired. 21st mortgage needs to be sued for their fraudulent business practices.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.
Consumer complaint received 2021-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX/Transunion/XXXX are NOT RESPONDING TO DISPUTE REQUESTS!!!!! 

To Whom It May Concern : You are reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity. The following information you are reporting is inaccurate and incomplete. 


COLLECTION XXXX Account in Litigation-NOT MY ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX no contract- delete immediately XXXX XXXX XXXX XXXX - NOT MY ACCOUNT- DELETE IMMEDIATELY I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradelines item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important! 

XXXX XXXX XXXX LOWER XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

This is in reference to complaint no. XXXX. 
In order to fully understand this current complaint please read the previous complaint referenced above. 
On XX/XX/2021 I received an email from XXXX XXXX, executive VIP of tXXXX XXXX XXXX  stating that their finance team received notification of disputed transaction from WellsFargo bank. WellsFargo has never contact me concerning any transactions from XXXX XXXX XXXX, as a fraudulent charge on my account. I did submit a fraudulent activity claim to WellsFargo, but I never included XXXX XXXX XXXX in my claim. Per my previous complaints to CFPB and my fraudulent activity claim to WellsFargo I stated that the charges to my account are from shopping outlets in XXXX and XXXX only, not XXXX XXXX XXXX In addition to all of this WellsFargo bank has made a deduction from my account in the amount of {$410.00} which caused my account to go in the negative - {$400.00}. WellsFargo 's posted transaction on my account states that a ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM XXXX ). WellsFargo 's posted transaction to my account does not fully state in detail who is disputing the fraud charges/activity claim of which I did submit.
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

I have sent multiple letters to this company Diversified Consultants in order to verify a debt they alleged I owe in the amount of XXXX. I have yet to get any correspondence from them in over 30 days. This is affecting my credit and giving me financial distress. They have not verified the debt or validated it and by law if no correspondence to my request in over 30 days this alleged debt has to be deleted from my credit profile.
Consumer complaint received 2017-09-08
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. (CA)

This is a report regarding the recent Equifax security compromise. Equifax indicated my personal information was compromised, I found this information by using the site they set up : https : //www.equifaxsecurity2017.comXXXX I 've placed an initial 90 day fraud alert to help safeguard my credit history.
The CPA needs to force equifax to monitor every account and notify victims if any fraud occours. Credit fraud protection should be mandadory for every account, not an option for us to have deal with.
This security compromise occurred from XX/XX/XXXX until XX/XX/XXXX, and I only found out about it in XX/XX/XXXX. This is unethical.
Consumer complaint received 2021-05-17
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: LEXISNEXIS (MO)

I mailed you a letter asking you to verify information on my Consumer Report in which I have added proof that whatever method you used to allegedly verify this item was invalid. 
I mailed you a letter on XX/XX/2021 which was my 2nd Letter about the Bankruptcy. This is my 3rd Letter for this issue. The XX/XX/2021 was about the your process was not valid due to me going directly to the company and them saying they dont and was not able to verify the item. After that, your response was it was verified without sending me any documentation or proof of how you verified and any actual investigation. I attached the bankruptcy letter from the Courts.