davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

Our previous mortgage company, XXXX XXXX, paid our property taxes on XX/XX/XXXX in the amount of {$1000.00} to XXXX XXXX City Tax Collector . My husband also paid the {$1000.00} taxes to XXXX XXXX Tax Collector prior to the delivery of the escrow payment to the city Tax Collector. Our taxes are paid for XXXX XXXX XXXX, XXXX, NC XXXX. 

The city issued a refund of the mortgage escrow tax payment to XXXX on XX/XX/XXXX ( XXXX XXXX to XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX, TX XX/XX/XXXX TT ). Our mortgage was purchased by Freedom Mortgage sometime in XXXX. 
I tried to get in touch with XXXX XXXX  in XXXX and XXXX about the funds but since our mortgage company has changed to Freedom Mortgage. I was not able to get answers from XXXX to XXXX but understood and was patient with the process since the mortgage was just newly acquired. 

I then saw in our Freedom Mortgage payment history the exact amount of {$1000.00} as " funds received '' into escrow. I have called once a month since XXXX trying to get our account review and the overpayment of tax money refunded. I typically speak to at least three different Freedom Mortgage employees and get transferred between departments and get promised a solution if I call back next time wasting about two hours each call. 

I did feel like I was getting answers on XX/XX/XXXX when I was told our escrow account would be reviewed, we would get a refund back to our bank and a follow up phone call. Nothing has happened and it is XX/XX/XXXX. I just called this morning and have spoken with three different individuals and have politely expressed my frustration over the matter and continued to get transferred between the tax and escrow departments and was even asked by someone at the tax department " why I was talking to them when it wasn't her department that dealt with this '' as if I have any ideas to the inner workings of their company.

I am at my ends and have wasted a lot of my patience, a lot of time and am very frustrated with how dysfunctional and manipulative Freedom Mortgage has treated me ad my situation. I have been lied to and have been blown off for months. I hope to have my issue resolved but I more hope my problems and the inept attitudes of Freedom Mortgage gets brought to light.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Duncan Solutions, lnc. (LA)

As a federally protected consumer, I am highly disappointed and unsatisfied with Professional Account Management LLC. My name is XXXX XXXX and I am making this complaint against Professional Account Management LLC for committing identity theft. I have no recollection of authorizing or giving Professional Account Management LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Professional Account Management LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Professional Account Management LLC any right to collect on this alleged debt. I have also never received any documentation requesting validation from Professional Account Management LLC before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. If Professional Account Management LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Professional Account Management LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Professional Account Management LLC continues its collection efforts, I will file for litigation and Professional Account Management LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-18
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. (SC)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I called to ask about opening my LOC up from being frozen. I have been making payments on time for XXXX months. I was told an underwriter would need to review and I would hear back in XXXX days. I have not heard or seen any communication and the LOC is still frozen. This is consistent poor behavior from BOA and there is no information on my online profile what status my loan is in. 

Every time I call in i get bounced around and no one has the right information.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (MD)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-08-22
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (MD)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update these suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (IL)

After reviewing my credit report I feel betrayed to see these inaccurate late payments, I have informed you that they are in direct violation of the federal law under 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (NY)

* Driveway Finance Corporation under Lithia Motors will not provide me with a receipt of all payments that is legible so my numbers are approximate, but are correct as was confirmed by one of their own representatives on my third call to them about this issue. 

Driveway Finance Corporation ( DFC ) has currently stolen {$500.00} dollars from me by refusing to properly allocate my payment of {$830.00} on XXXX XXXX to the principal as is my right by law in New York state. Before the payment on XXXX XXXX my principal was approximately {$7800.00}. When paying more than the amount online, the balance is automatically applied towards a reduction of the next upcoming bills. I called DFC on XX/XX/XXXX and asked for my payment to be applied in full towards my principal, as I have done many times before. I called back on Tuesday XX/XX/XXXX when I saw that nothing on my account had changed and the payment was still being used to lower my principal by {$330.00}, pay off the XX/XX/XXXX payment ( of {$330.00} ) and partiall reduce the XX/XX/XXXX payment to around {$140.00}. So instead of {$830.00} being directly applied to my principal, {$330.00} dollars was applied to my principal and the remaining {$500.00} was applied to the upcoming payments leaving me with a principal balance of {$7400.00}. I was fraudulently told my a service rep on XX/XX/XXXX that this was normal and how the process had always worked, but that they would make sure the money was no longer applied towards my upcoming payments and put towards my principal. I asked to be sent a complete receipt of payment with the new principal amount after each payment. They sent me a pdf of an XXXX file that had unexpanded columns, rendering the whole file illegible. The next day, on XXXX XXXX I called back again after seeing no change in my account and spoke with one of the same reps and was confirmed that something in the system was wrong and this would be escalated. I was put on hold and then hung up on. I called back an hour later and was told by another rep that this was all correct and the way the system was supposed to work and that even if they made sure the money was not applied towards my upcoming payments the amount of my principal would not change. He would not do the math when I asked him to. As of XXXX XXXX I have checked my account to find that they fraudulently stole the money applied to my upcoming payments ( {$500.00} ) without applying that money towards my principal. So my principal currently stands at {$7400.00} and I also have an upcoming payment for a full XXXX on XX/XX/XXXX. They have not lowered my principal and have been charging me interest on the {$7400.00} principal instead of the {$6900.00} principal that it is supposed to be. They have stolen {$500.00} from me and are charging me interest on a higher principal as well.
Consumer complaint received 2022-03-10
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)

This complaint is in regards to a duplicate account on both my Transunion and XXXX consumer reports. The XXXXXXXX XXXX XXXX account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update these suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (SC)

It is publicised information that Square had a Nationwide ( if not Worldwide ) outage yesterday, XX/XX/2023. This outage effected my ability to manage funds automatically placed into my Square ( online ) Savings Account. I was unable to toggle the Square Savings selection to the OFF position, so that my funds, a total of {$2200.00}, would not go to into Square Online Savings, but instead, go into the batch purposed for transfer into my brick and mortar Business Checking account, as my nightly scheduled transfers usually operate. I tried phoning into Square, in order to receive assistance, but an automated greeting stated that the system was down and no one was available to take my call. I kept trying to get through from XXXX until NOW- the next morning, XXXX EST. Still can not get anyone on the line. I tried chatting with a representative online, but it was clear it was a system bot - I got nowhere. 

As a result, I could not gain access to crucial funds needed to cover business expenses, one of which was a paper check I wrote to pay my restaurant lease. Consequently, that paper check did not clear my Business Checking account ( {$1900.00} ), and I've been charged a fee from my bank. I fully expect to be charged a fee from my landlord, since the check was returned NSF. I was also charged three {$37.00} fees for three other items. 

Worse, there is a standard 24 hour delay between the request for funds from the Square Savings Online Account, and disbursement. Although the system is now up, I can not get the funds into my account until Monday, because today is Friday, and funds are not disbursed over the weekend. 

To add insult to injury, I also did not receive the end-of-night transfer of {$130.00} that was supposed to be automatically transferred to my Business Account at the end of night. As of this morning, that balance is pending.

I pay a fee to have my money transferred nightly ; I pay a fee for each card transaction ; I pay a fee to subscribe to additional Square functions .... But to not be able to speak to someone when there's an emergency tells me it's time to find another processor. 

I am posting this so that a ). others will learn from my mistakes and b ). a Square representative might see this and take steps to reimburse the fees that ensued.
Consumer complaint received 2022-08-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX 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 XXXXXXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX XXXX XXXX and TransUnion XXXX, XXXX XXXX XXXX XXXX and TansUnion XXXX XXXX XXXX XXXX XXXX and TransUnion XXXX
Consumer complaint received 2023-09-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

On XX/XX/XXXX I made a purchase from a company who pretend to be macy selling luggage at a discounted rate. I proceeded to by the item and when it finalized the payment another name appeared. I then figured something was not right because it should say XXXX  and no XXXX. I then sent them an email to cancel my order immediately. They still took my money and never sent me any merchandise. I did a dispute with cash app and rather than investigate they closed my account. They told me they would reopen it if they could verify my identity. They tried to verify it electronically, but it would not pick up my face. I responded and told them I would mail in a notarized copy of my ID and the transaction. I have mailed those items in and have not gotten a response as of today.
Consumer complaint received 2022-03-10
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. (NY)

On XX/XX/2022 I sent a letter to TransUnion notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$75.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.