davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

- Received debt collection notice dated XXXX XX/XX/2020 from Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX XXXX. XXXX, XXXX. 
- Amount claimed : {$2500.00} - Offered a 25 % discount if debt was resolved within 45 days after the date of the debt collection notice. 
- Provided a notice of dispute to Commonwealth Financial Systems dated XXXX XX/XX/2020. Cc 'd notice to AG of Florida, Pennsylvania, Virginia, and Georgia. 
- Received notice from Pennsylvania AG dated XXXX XX/XX/2020, as provided to the AG by Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX , Legal/Complaints Admin, Ext, XXXX, XXXX. Notice from Commonwealth Financial Systems , Inc. advised account was closed and a deletion request had been sent to the three ( 3 ) major credit reporting agencies to remove the tradeline from credit report. 
- The inappropriate and fraudulent actions by Commonwealth Financial Systems , Inc. negatively impacted my credit score.
Consumer complaint received 2021-03-18
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. (MD)

My credit report reflects old accounts that should removed by now and it is inaccurate information that stopping me from getting Morgage loans, auto loans and credit card which is not expectable by law. Please remove
Consumer complaint received 2021-06-23
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. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.
Consumer complaint received 2024-01-30
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : {$400.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

I do not pay property taxes in Illinois because I am a XXXX veteran from injuries sustained fighting in XXXX. I bought my property XX/XX/XXXX, since then I have been escrowing taxes as if I owe the full property tax ( approximate {$4200.00} ). In XX/XX/XXXX I received the correct tax bill ( {$750.00} total for XXXX, only because I did not live at the property the full year ) and requested my lender refund me the overpayment ( I've completed this task 3 times in the past with different lenders, never had an issue ). My current lenders own Escrow analysis conducted in XXXX shows that they will collect XXXX in taxes ). In 5 attempts the lender refuses to give me back the excess in escrow and keep repeating that they have not receive documentation on my behalf which is not truthful since I have email receipts with attachments ( the excess was not paid to the county, but remains in escrow ). Additionally, I then requested a new escrow analysis but they do not want to execute it. I have made attempts to rectify this but they keep ignoring my main requests. My monthly mortgage payment would be lowered considerably each month if they would just help me. Additionally, I received another email from my lender saying that next year I have a tax liability of {$350.00}, which makes no sense since next years tax bill has not been created. Every time I reach out they give me wrong answers and avoid my request. My Lender is XXXX XXXX ( Dovenmuehle Mortgage Inc ).

*** taxes in Illinois are paid in arrears *** additionally Donvenmuehle bought hazard insurance on my behalf in XX/XX/XXXX in the amount of {$1800.00} to cover the property in question, in the past week I showed them the property was insured with my own insurance company and proved coverage for XXXX and XXXX. I would not have been allowed to buy the property if I did not provide proof of hazard insurance for the whole year. The lender stated on XX/XX/XXXX " Our records indicate that on XX/XX/XXXX, a hazard insurance refund deposit was made in the amount of {$1400.00}. '' They bough insurance when they didnt have to. I am telling you this because If you reach out to the lender this amount is yet to show on my escrow balance and therefore If I ask for the tax reimbursement they will say that my escrow has no overage amount for taxes.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (IL)

XXXX date XX/XX/XXXX and XXXX XX/XX/XXXX first XXXX plus $ and second was XXXX plus $ ive reached to you all before back when this first occured but i since havent gotten my money back ive closed the accounts 3 or 4 times and they keep reopening it so im going at it again to get my money back Im having issues with chime bank theyre legally withholding funds from me they overcharged me for their chime credit builder account back in XXXX Ive called countless times when I called them they send me through loops and circles when I ask for a supervisor they place me on hold for 30-45 mins every time then they come back and they either make their voices deeper pertaining to be someone else or just transfer me they wrote the payments off as adjustments then sent out an email about their systems having issues about it and when I went on there XXXX and XXXX commented about it I noticed tons of comments of others having the same issue and nothing is being done ive saved all my chats and emails from them and Im just wanting my money back theyve taking over XXXX dollars from me I need truly need some help getting these funds returned to me. Can you please assist? My account is under XXXX XXXX I can provide all documents and anything else needed. ( Ive uploaded the documents on my last case
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Second complaint I submitted a compleint against NEWREZ for refinancing an existing loan back on XXXX XXXX. 
Mr XXXX XXXX contacted me a few days after, asking if I would like to continue with the loan or to get my {$650.00} for under, money I paid up front. I told Mr. XXXX if it was possible I would like to continue with the loan process, so we continued with the loan process, same problems occurred Mr XXXX again started asking to send him the same documents over and over again that I have sent to him. 
I been sending documents since XX/XX/2020 when we initially started the refinance. 
After a week or so when by and someone else would contact me asking for the same documents again, I would sent documents to this other person ( I have proof of this e-mails ) again another week would go by and someone else would ask me for the same documents. I felt like they were just playing games passing my folder to different people and not processing my loan. 
I provided all the documents requested by NEWREZ several times to Mr XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and nothing has been done, I got tire of sending email and documents over and over. 
The last email I sent was to request my {$650.00} refund on XXXX XXXX it is now XXXX and I have not yet received anything, at this point I would like just to get my money back. 
Thank you in advance for your time and help for this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
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. (MN)

On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pinebrook Holdings, LLC (UT)

My private and personal debt information was given to a 3rd party who had no legal reason to obtain this information.. My information was illegally disclosed in detail regarding the type of complaint, the amount of complaints and the nature of the complaints. Nothing was confirmed and all my private information was released to an unauthorized party. XXXX from XXXX XXXX contacted me, my employer, my wife and my brother. The employment was verified, my wife didnt answer the call and my brother was the 3rd party to whom this information was illegally disclosed. My brother does not represent me, my finances nor does he have any legal representation to be given details about my personal matters. This company states that they record all conversations for quality porpoises. I would like them to provide this recording and stop these illegal practices. I am seeking legal counsel to address these illegal activities as they violate the FDCPA.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (SC)

Insurance paid A portion of the bill. XXXX  came in and paid a portion of the bill I was still left with {$8000.00}. I asked for a settlement and they told me they couldnt give me a settlement so Ive been paying {$530.00} a month so my credit wont be affected
Consumer complaint received 2021-06-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$2100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-25
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: OneMain Finance Corporation (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. ONEMAIN FINANCIAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I disputed that the date was wrong on my bankruptcy were wrong with XX/XX/XXXX and uploaded paperwork and asked for them to remove said item. They updated the bankruptcy to a different date and it is still wrong. They have not VERIFIED anything at all and is putting false information on my credit report and I want it to be deleted ASAP
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (FL)

Back on XX/XX/XXXX I filed a complaint through CFPB : XXXX. The Mortgage company is United Wholesale Mortgage ( UWM ) and the loan # is XXXX XXXX XXXX XXXX. The complaint was closed and I thought that the problem was resolved, but it wasn't. 

In XX/XX/XXXX, I was enrolled in a forebarence plan for 3 month because I had a hardship, I was making less money at my job and I struggled with my finances. Then the forbearance was extended 3 more months, and someone at UWM without my authorization ended my forbearance 5 months after XXXX, that meant that I needed to pay 5 months of missed payments and I needed to pay XXXX 's bill ( payment 6 ). With the help of CFPD, they extended the forbearance for 7 more months, a total of 12 months, from XX/XX/XXXX through XX/XX/XXXX, so that was great. But now after speaking with them to make next month 's payment XXXX XXXX, XXXX ) the want me to also pay a little more than {$22000.00} for the missed payments from XX/XX/XXXX through XX/XX/XXXX. I asked them to deferred the 7 missed payments because I don't have that money now, and they told me that they can't do it because they can only do a deferment once. They should defer the 7 missed payments because it was their mistake, they were the one that terminated the forbearance after only 5 months and deferred the first 5 missed payments. I asked to speak to someone that could fine a solution to the problem, and they made me write a email, because they don't accept phone calls, but no one has reached out to me yet. 

I have attached all the information that UWM sent to close the first complaint.
Consumer complaint received 2021-06-24
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-23
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. (DE)

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, that time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the equifax data breach and may gotten in the hands of the wrong person.
Consumer complaint received 2021-06-23
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. (OH)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M.A.R.S., Inc. (AZ)

M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/XXXX I booked a flight from XXXX  to XXXX  through the Ultimate Rewards program of Chase using XXXX of my rewards points. I received confirmation email of the itinerary. One hour later I received another email tell me that my flight was cancelled. I did not know the reason. 

On XX/XX/XXXX, I called Chase customer service asking them to refund my points. They said that because I initiated the cancellation, they could not refund my points. 

It is very ridiculous because I didn't initiate the cancellation at all. Because Chase cancelled my trip, I had to get up at midnight on the night of XX/XX/XXXX to book another flight from XXXX  to XXXX. However, Chase said they could not refund me the points and they had to follow the policies with the airline companies. 

I spent 70 minutes talking with Chase customer representative and could not solve the issue. They just kept saying I initiated the cancellation, which I did not. 

It is unbelievable!
Consumer complaint received 2021-06-24
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: ENCORE CAPITAL GROUP INC. (TX)

Midland credit Management was sent a debt validation letter and failed to comply. They also received a cease and desist letter to completely cease all communication with and about me to all mediums and consumer reporting agencies and an statement letting them know that I never gave them written or oral consent to report any information on this alleged debt. Midland has ignored these demands.
Consumer complaint received 2021-06-24
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )