davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Sierra Holdings LLC (AZ)

I previously filed a complaint against Sierra Auto Finance for harassing me in regards to an account for my brother, CFPB Complaint # XXXX ( XXXX XXXX, 2015 ) The complaint was responded to by XXXX XXXX - VP Collections. He had said at that time that a permanent block had been placed on my phone number. I received another call on XXXX XXXX again apologizing for the call but still asking if I can get a message to my brother. This seems like a polite way to continue to break the law. I contacted an attorney after I received the call. My attorney sent a demand letter to their address XXXX XXXX XXXX XXXX XXXX, Texas XXXX. No response was ever received to the attached letter.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I emailed a debt validation letter to XXXX XXXX on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from Equifax after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with Equifax and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on Equifax is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as XXXX and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and Equifax show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if Equifax show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to Equifax. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on Equifax file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure XXXX XXXX  you are going to say you are reporting correctly but Equifax credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from Equifax that validates this Inaccurate reporting. I want this account deleted from my Equifax, XXXX and XXXX. I have had several disputes with Equifax as recent as XXXX XXXX that information is being reported inaccurate based on the information from XXXX XXXX and Equifax credit file. I am not sure how XXXX XXXX validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from Equifax, XXXX and XXXX Inaacurate reporting.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C. (WI)

A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

On XX/XX/2020 I contacted Rocket Mortgage/Quicken Mortgage because XXXX XXXX stated they were the investors on my loan refinance. The reason was to get them to call XXXX XXXX and XXXX XXXX as I had also called them to complain about the coronavirus and my protection and the failure of this company to protect me from harm 's way ( a.k.a death ). Both XXXX  and XXXX offered solutions to doing inspections even for a " cash out '' which did not require to go inside my home. By the way XXXX did the appraisal with a drive by and XXXX 
My home is worth about XXXX XXXX - XXXX lists it at XXXX. I owe about XXXX so I wanted to refinance. I have two loans ; a primary at about XXXX and a secondary XXXX. They will refinance the first with no appraisal, the one that is worth XXXX, but if I want the XXXX wrapped with it, this " cash out '' requires an in-home inspection. We will not have anyone in our home, we have no idea where they been, if they are a carrier of the virus and for XXXX it does not seem worth it to put my live and my wife 's life in jeopardy. 

I recorded the conversations and their recordings while on hold claim they care about people and to protect them from the coronavirus but it is a lie. The refused to call XXXX or XXXX to go through the procedure to do a drive by even for " cash out '' - which by the way makes no sense to me because I am not actually getting any cash. They can walk around the home, look in the windows, but not go in side. 

Mortgage/Quicken Mortgage is getting just as bad as XXXX - and should be blacklisted from the mortgage industry by the federal government. They are discrimination against me because I don't want someone I don't know and in my home who could infect us. We don't even allow our own family in our home. We are older and Mortgage/Quicken Mortgage does not care about people. They should come up with another way of verifying- this is a XXXX XXXX  home, come on, and to force to put my life and my wife 's in jeopardy for a mere XXXX does not make sense. They are evil. I want to enact the Harter-Corona act that prevents mortgage companies from discriminating against those who want to live ; to provide other means of assessing the value without someone entering a home ; a video, a hand off to someone outside the home that gives them what they want without killing me ( literally ). They are not taking this coronavius seriously.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In XXXX 2020, I received a letter from Mr. Cooper ( mortgage servicer ) that they had paid a new homeowner 's insurance policy using my escrow funds. I had not changed insurance providers or coverage, and my existing policy is paid through XX/XX/2020. 

I contacted Mr. Cooper several times, and reps kept saying someone would call me back. Finally, on XX/XX/2020, a customer service rep for Mr. Cooper was able to speak with a rep from the insurance company in question XXXX XXXX XXXX XXXX, who confirmed that the insurance policy was not in my name, and did not match my address. The Mr. Cooper rep also confirmed that the money was taken out of my account by accident to pay this policy. I was told I would receive either a check for the amount XXXX {$1000.00} XXXX or a refund to my escrow account within 14 days. 

I did not receive a refund, so contacted Mr. Cooper again on XX/XX/2020. I was told they would call me back, but no one did. I'm not sure how this mistake happened, but it is not my responsibility and Mr. Cooper has made no effort to fix their error.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

This is the 3rd complaint I'm sending regarding Medical Business Bureau. Please see my complaint ... followed by their response. 

My complaint : I filed a recent complaint with CFPB regarding complaint number XXXX in early XX/XX/XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP Their response : We verified the debt with the hospital and a letter was sent to the consumer informing them that the account is owed. The consumer may contact us at XXXX. 

By law, they are required to validate the debt with me since I am the consumer. All they sent me was a bill which list the amount they say I owe, they did not send me anything bearing my signature that I signed which under the Fair Credit Reporting Act, I am entitled to receive. This is fraud and both negative reporting items will need to be removed ASAP!!!!!!!
Consumer complaint received 2016-07-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (WA)

Home values have increased dramatically in my area. I believe my LTV is high enough to drop the PMI on my loan. I have had offers to purchase on my home above the required appraisal amount to drop my PMI. I went thru the process with Quicken and paid {$550.00} for their appraisal. The appraiser neglected to count one entire floor of my home and counted only 1/2 of my total livable square footage in the appraisal. Even though he included pictures of XXXX floors and a floorpan in the appraisal. None of the comps used had more than half of my homes square footage. The appraisal was obviously in Error. Quicken has denied my request to drop PMI and appraised my home at the original value I purchased it for over five years ago. Something needs to be done to rectify this obvious false appraisal.
Consumer complaint received 2020-10-21
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. (WV)

My complaint is with Equifax - I am unable to log into myEquifax account. I spoke with XXXX different Equifax representatives regarding this problem, on two different days. The representatives were very hesitant to give me any information, but finally indicated to me that I " possibly '' have two different files at Equifax. Apparently XXXX XXXX XXXX was sending incorrect information to Equifax specifically my name/account was attached to my wife 's Social Security number. According to the representatives, this was apparently creating two different files within their system. As a result of having two different files, I am unable to log into myEquifax. I am also concerned what other repercussions to my, or my wife 's, credit scores may occur due to their error. On XX/XX/2020 I faxed my concern/complaint to Equifax ( XXXX ). Over a month later, I have not had any communication whatsoever from Equifax. They never acknowledged receiving my fax, never acknowledged any investigation was ongoing and have never asked for any additional information. Of course I realize that during the pandemic, company hours and staffing may be less than optimal, but to not at least acknowledge receiving my fax/correspondence is inexcusable.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (TX)

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-05
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. (NY)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX XXXX and Equifax ) on/around XX/XX/2020 and a second request was sent via certified mail on XXXX XXXX, 2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2019-03-27
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. (MO)

I called on XX/XX/2019 at approximately XXXX to request the reason for not receiving my dispute results in a timely fashion. The representative verified the information was not sent out and my address was not updated from my disputed correspondence. I asked the representative if they could send out the updated results from the investigation from XX/XX/2019 and she would not resend documents without copies of my ID that they already have on file from previous paperwork.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

the company scammed me into getting the card. i had to file a complaint with you already. i was waitimg for a resolution to the complaint so i did not pay any of the bill. the complaint was resolved in my favor so i called tto pay the balance and i was in collections. i then paid my card and closed my account. now i have nefative credit because of it. i called and XXXX employee number XXXX said they could only called the risk review dept and the would not respond for 30 days.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Received duplicate billing for same month. Suspect, in that I pay a month in advance. New home built and mortgage sold to Wells Fargo. Payed first mortgage payment on XX/XX/2018 with check # XXXX for payment due XX/XX/2018. Payed second mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed third mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed fourth mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Then received a duplicate bill for mortgage due on XX/XX/2018 on XX/XX/2018. I  received another bill for mortgage due on XX/XX/2018 on XX/XX/2018 and opened both. I immediately called Wells Fargo Home Mortgage at XXXX ( on XX/XX/2018 at XXXX XXXX  ) and ended up talking to three individuals the last named XXXX XXXX from " The Presidents Office '' whom became so defensive that he interrupted me 4 times and became crass I hung up. I requested, multiple times, he explain to me why I received duplicate bills when I pay a month in advance and that this action on the part of Wells Fargo is unacceptable. Mr. XXXX would not address the issue at any point nor provided an explanation.
Consumer complaint received 2018-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX To Whom It May Concern/ CFPB, I went to a local Chase bank where I had an account. I requested a money order either during XXXX or XXXX. The Chase bank branch manager assisted me with this. He then used cross sale tactics to get me to sign up for the Chase Freedom card.

He said if I link it to my checking account and I didn't have enough funds to finish a transaction, the charge would just go to my credit card. So, I agreed and went home. I never opted in or agreed to enroll in any overdraft program. I feel the tactics used by the branch manager was deceptive and an abusive practice. I relied on his oral disclosures and relied on him to act in my best interest but that was not the case as I was deceived.

I was never told about a {$10.00} fee for overdrafts linked to my credit card and I was certainly never told about being accessed {$34.00} overdraft fees for all other overdraft fees associated with my checking account. I have completed a review of my account and Chase has charged me thousands and thousands of dollars. 

Above, I am requesting to get my money back since we never opted in for these fees. 

I am requesting a formal review of my account along with a copy of the signed overdraft disclosures showing I agreed to opt in and a refund of all overdraft charges. I hope to receive a satisfactory response. 

I was advised to file a formal complaint with federal regulators, but have not gone that route yet. Please assist me with the review at your earliest convenience and feel free to contact me if you have any questions or concerns. All of your assistance is greatly appreciated. 

Contact Information/ Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX ) XXXX personal cell Regards, XXXX and XXXX XXXX
Consumer complaint received 2020-09-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SYNCHRONY FINANCIAL (NV)

My daughter purchased a pool back in XX/XX/2020. The purchase price was {$150.00} from a company in XXXX. It was suppose to come with a pool, pool cover, and pool pump. What they sent was just a pool and a vacuum pump. I tried filing a dispute with Paypal on XX/XX/XXXX and today, XX/XX/XXXX they told me that the seller is willing to send me a full refund, but I have to mail the pool back to XXXX and pay for shipping. The shipping cost is around {$110.00}, which means that I'm only getting a refund of {$41.00}. Paypal said there is nothing they can do about the cost of the shipping. How is that right? I have no problem sending back the pool, but to pay for the cost of shipping, that is ridiculous! 

Transaction ID # XXXX Invoice ID # XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX limited Merchant email : XXXX Case ID : XXXX Transaction amount {$150.00}
Consumer complaint received 2018-07-25
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. (TX)

I have disputed this account multiple times and Equifax removed the account after it was not validated and they have now allowed the account to be reported again on my credit profile. 

XXXX XXXX Reported : XX/XX/2018 - {$170.00} Needs Attention Overview You've paid off 0 % of your collection amount. 

Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type No Info Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info This is not my account. Equifax is continually allowing creditors who are unauthorized to access my information and this is against my rights.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (IL)

On XX/XX/2021 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 by my disputes. Section 611 ( a ), it is painly stated that a 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 to be deleted immediately or I will file for ligation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

Hello, I reported unauthorized claim to my bank Chase freedom credit card back in XXXX for airlines tickets that appeared on my statement i explained to the bank that i never made any kind airline tickets at that time or my family didnt make any purchase at that time associated with the company listed .I was charged four times {$290.00} XXXX, {$2500.00} XXXX, {$2000.00} XXXX, {$1500.00} XXXX. 
two weeks ago i saw those charged appeared back in my account i called the bank to ask why those charges back in my account they couldn't give me legit reason on why my claim was denied, they keep telling me investigator will call me but i never received any phone call from the bank or they didnt send me letter. chase freedom card want to me to pay full balance without knowing why my claim was denied and they never made attempt to contact the merchant.
Consumer complaint received 2019-08-30
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: STERLING JEWELERS, INC. (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.