davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NM)

I refinanced my home loan in XXXX. Dovenmuehle Mortgage Inc. at that time was assigned to service the loan by my bank, including escrow account dispersion. 
I am XXXX XXXX and rely on property tax payments as an income tax deduction every year. 
I've discovered recently that Dovenmuehle Mortgage failed to make full payment of my property tax for XX/XX/XXXX. They instead made two installments. One half was made XX/XX/XXXX and the other XX/XX/XXXX. Furthermore, for XXXX, they completely failed to pay property tax by the deadline set by XXXXhe county where I reside. I had to contact Dovenmuehle to make the property tax payment from my escrow account for XXXX which included late fees and penalties. The funds were in my account. I make payments to my escrow account each month and it has always been in good standing. 
So for two years since the onset of my new mortgage account, Dovenmuehle has mishandled the escrow funds. For the most recent of XXXX property tax, I contacted Dovenmuehle and was told that they paid the bill according to the county tax bill two pay option and refused to pay it any differently. I asked for escalation to discuss with a supervisor who told me the same. After repeatedly stating that their payment method was unacceptable to me, the supervisor finally offered to allow me to handle my own escrow account for property taxes. This was never before offered as an option and took a lot of time and effort on my part to get that option offered to me. Of course I accepted that option and am now awaiting paperwork to transfer the escrow account from Dovenmuehle to me. 
I discussed this situation with my accountant who was appalled that a mortgage service agent would conduct business in this manner. He referred to their method as " holding my money hostage ''.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.
Consumer complaint received 2022-07-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MI)

Approximately XX/XX/2020, I was fraudulently charged a higher Insurance rate by XXXX XXXX XXXX. I am a XXXX recipient and by law am allowed to opt out of certain insurance products, of which I chose to opt out. XXXX fraudulently applied those amounts, charging me a higher amount, even though I provided proof of my active XXXX status. Through their representative Caine & Weiner, they are continuing to attempt to collect this fraudulent debt and causing me greater hardship by entering this information on my credit report.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

On XX/XX/2021, I sent a request to Freedom Mortgage via their website message center to remove the escrow account they set up. I had closed on this loan at the end on XXXX & prior to the loan application submission, when the loan officer was discussing the payment breakdown, I became aware that they were setting up escrow. I asked if we could just pay the insurance and taxes on our own & they pushed back because it was going to be more work to redo the application or something. They said we could just cancel the escrow once the loan closed. 

I sent my first request on XX/XX/2021. I hadn't received a response so I called their Customer care department on XX/XX/2021 & was told I had to submit an e-mail to their customer care department, which I did the same day. 

Several days later, I noticed that they had adjusted my payments to reflect no escrow on their website so I thought the issue was resolved. Just before I went to make my first payment, I noticed they added the escrow back. 

I then received a response in the message center on XX/XX/2021 that my loan needed 12 months of maturation before they would even consider this. 

I sent a reply on XX/XX/2021 explaining that their loan officer, who set up this loan, did not say anything about a 12 month wait. I explained to them I had no intention of using this XXXX  account for payment of bills & requested agin that they cancel it & refund my escrow  balance. I pointed out that someone had briefly changed my account already without an escrow deduction & then someone changed it back. 

They sent a response on XX/XX/2021 reiterating that I have to wait, at least 12 months, citing some reason about the loan investor guideline. They also said they had no record that escrow was briefly removed, which I am sure there is some type of electronic transaction record in their software. They also made a statement saying that underwriting guidelines may have required an escrow for approval reasons. 

We put 20 % down for our townhome. Our credit scores are excellent. I find it hard to believe the assignment of escrow was the deciding factor in our loan approval. 

This company has acted in bad faith regarding this matter. They are withholding money from me that is not accruing interest or paying down principal.
Consumer complaint received 2022-07-12
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. (FL)

I received a response throught the cfpb complaint portal from Equifax stating that my with XXXX XXXX XXXX Account # XXXX shows paid as agreed with XXXX late payments and when I contacted Equifax I was told that the status is XXXX with XXXX XXXXXXXX balance. I was lied to and I've suffered abuse with both company 's. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section A Section 2 also states a Consumer reporting agency can not furnish an account without my written consent to furnish this account on my Consumer report. Also I have not received the 1099c which is required by law to be sent to the Consumer once it is placed in a charge off status which the company failed to do so. Per the furnished report the account was charged off in 2021 of XXXX a year later. Therefore, for me lied to and have my rights violated I am motivated to request a removal/deletion of the XXXX XXXX XXXX Account XXXX XXXX from my credit profile. 

Once this investigation has been completed I would like to have a copy of my credit report after the account has been removed.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$300.00} Original balance {$300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-07-12
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. (WA)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-03-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EducationXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 6 um 602 right states that have the right of privacy.

15 U.S. C1681 section 604 section state a consumer reporting agency can not furnishe. The account without migrant instructions.

15 U.S.D 1681 C85 Section states consumer reports containing any of the following items of information other then records of probation, or crimes wich anti_ date the report by more than 7 years.

15 U.S.D 1681 S2 A1 a person may not furnish any information related to consumer reporting agency if the know or has reasonable cost to believe that the information isn't accurate right here.
Consumer complaint received 2022-07-12
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. (WA)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I deposited a check of {$6000.00} to my Wells Fargo account using my debit card number XXXX on XX/XX/XXXX but my money is being held and I am told the money may not be available to me until on the XX/XX/XXXX or my check declined and returned after XX/XX/XXXX because I did endorse the back of the check. I have called Wells Fargo customer services 4 times but they would not release the funds to me insisting that a verification is being done. They have not contacted me nor the paying bank for the verification and have declined to return my check. 
My account is overdrawn and I have overdraft charges to pay. Customer service response to me has been horrible as they can not explain the verification process to me and I can not communicate with the verification department to expedite the process. 
I want my funds released to me to avoid additional financial and emotional damages.
Consumer complaint received 2022-07-12
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, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX SOC SEC ADMIN OFFICE XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-12
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX 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.
Consumer complaint received 2023-03-23
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

XXXX has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). XXXX bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted XXXX immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, XXXX 's actions are causing us both direct financial harm and preventing us from leaving XXXX 's portfolio.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX USAA illegally closed my Visa Credit Card, Checking and Savings Accounts, and Certificate of Deposit based on UNLAWFUL RETALIATION against me exercising my basic consumer rights to dispute wrongful charges. Then falsely claimed their actions are based on my " UNACCEPTABLE BEHAVIOR OR ACTIVITY ''. 

In this case USAA is deliberately violating THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT by illegally discriminating based on race, and national origin, and because I have in good faith exercised my rights under the Consumer Protection Act. 

XXXX XXXX XXXX ; ( In Re : USAA Bank accounts held from XXXX - XXXX ) XXXX-XXXX-XXXX