davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MS)

I closed on my mortgage in the amount of {$160000.00} with XXXX XXXX XXXX for the property in XXXX, Mississippi on XX/XX/XXXXat the office of XXXX XXXX XXXX. The monthly mortgage payment for the coming year was set at {$990.00} of which {$750.00} would be for principal and interest and {$230.00} would go into an escrow account to cover the annual tax payments of {$1700.00} and insurance payment of {$970.00}. The escrow cushion set by the loan service was {$470.00}.

I began paying my mortgage as agreed on XX/XX/XXXX in the amount of {$990.00}. On XX/XX/XXXX I was sent a notice by XXXX XXXX XXXX  that my monthly loan payment was going to increase from {$990.00} to {$1100.00} due to the results the annual escrow analysis showing a shortfall of {$1400.00}.

My insurance premium was paid in XX/XX/XXXXin the amount of {$970.00}.

I began paying the new mortgage payment of {$1100.00} in XX/XX/XXXX.

My tax payment was for the XX/XX/XXXX tax year was paid on XX/XX/XXXX in the amount of {$2900.00}.

Although my taxes and insurance amount only added up to an amount that would have resulted in a mortgage payment of {$1000.00} every month, in XX/XX/XXXX I began paying {$1100.00} as instructed and have paid it on time every since.

In XX/XX/XXXX I was informed that my loan was being transferred to Dovenmuehle and that I would begin making payments to them in XX/XX/XXXX.

As instructed I began making payments in the amount of {$1100.00} to Dovenmuehle inXX/XX/XXXX.All of my payments were on time so my mortgage was not in default.

On XX/XX/XXXX I received a correspondence from XXXX XXXX XXXX XXXX that I the escrow shortage is {$2500.00} and that my mortgage payment would be increased again beginning in XX/XX/XXXX to {$1200.00} due to an escrow shortage.

My taxes and insurance have already been paid for XX/XX/XXXX. Based on my previous years tax assessment and payment and my insurance premiums the projections for XX/XX/XXXXtaxes and insurance will be around the same amount as I filed my homestead exemption in XX/XX/XXXX. I actually calculate my total payment to be {$1000.00}.

However, I am being charged an amount of {$540.00} over my principal and interest payment that will result in my paying a total of {$6500.00} into an escrow account that will only disburse a projected {$3900.00} for insurance and taxes between XX/XX/XXXXand XX/XX/XXXX SOMETHING IS VERY WRONG. Where is the other money going? THIS IS FRAUDULENT DOUBLE BILLING AND DOUBLE DIPPING.

In light of previous housing and banking scandals I am making this complaint to CFPB, HUD, and the attorney general 's office as this kind of double dipping places a hardship on homeowners and will result in financial devastation and many foreclosures just to line the pockets of unscrupulous lenders and mortgage servicers.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (WV)

I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter
Consumer complaint received 2018-03-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (GA)

The original contract that was signed XX/XX/XXXXbut dated XX/XX/XXXX, was told to me that it was an Offer by the bank, it was two part of the contract The mortgage and the lot rent, the lot rent was never signed because I didnt agreed with the Lot rent nor know about the amount {$530.00}. At this point Im still being treated like a renter and told. I was told to paid my closing fee XX/XX/XXXX. I was coerced into signing an offer contract. I was told by two parties that if I didnt bring money on XX/XX/XXXXand XX/XX/XXXX that I was going to be evicted and not qualify to own my home and they needed my rent money if I wasnt going to proceed with the purchase. It was lack of commutation on all parties along with improper documents being receive and given between each other. There was a mistake in entering into the contract and the contract was based on misrepresentation of facts. I was misled into believing I close on the home on several different occasions. I never receive any paperwork until XX/XX/XXXX. I ask on numerous occasions for my paper work. Was told they were going to be mailed to me ; which never was. XXXX XXXX as the new mortgagee also reported to my Credit Report XX/XX/XXXXof this new installment account that was signed XX/XX/XXXX but dated XX/XX/XXXX but didnt take over the loan until XX/XX/XXXX. I dont know when I close but took a final payment of {$750.00} on XX/XX/XXXX, was told it was my closing fee. Therefore this account was reported illegally to the Credit Beaus on my behalf. I was showed on numerous occasions of the company showing mismanagement of funds. I paid out {$4200.00} all the way up toXX/XX/XXXX, and still dont fully understand where my money went towards. I am owed {$870.00}.
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Global Asset Management Group, Inc. (NM)

they say I owe XXXX dollars from XXXX which I know they are lying because back then I woul have paid it so that tells me they are try ing to scam me. 
the name of collector is XXXX XXXX persons name is XXXX XXXX XXXX phone XXXX I think statute of limitations expired anyway I think they just got my info from another credit card the address they have listed did n't exist In XXXX
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I have had to complete a split sign to finish up the COVID mortgage relief program and have had the wrong documents sent to me several times over the last 6 months of dealing with this.

They have called me repeatedly, IXXXXhave explained that one person is frequently out of the country for XXXX  work an they have said that it isn't a problem. On another call, they say that it is, that a mobile notary can fix it. The mobile notary never calls me to comfirm. I am just trying to sign so I can continue my loan as usual and Wellsfargo keeps changing how the split sign is to be handled.

The Wells Fargo notary at the bank also failed to disclose this issue and was also in agreement that 2 of the 3 borrowers would suffice ( those 2 are a married couple )
Consumer complaint received 2017-10-27
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: Experian Information Solutions Inc. (NC)

Information that was previously deleted has been reinserted without proper notice being given. 

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/XXXX
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.
Consumer complaint received 2017-02-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

After paying XXXX mortgage payments to Wells Fargo for XXXX different mortgages in XXXX different states. Wells Fargo then went into a totally different account and drafted another payment for the mortgage in North Carolina which was {$690.00}. The XXXX payment for {$690.00} that I paid Wells Fargo applied to interest only, not to my principle payment. The XXXX payment that was taken was unauthorized by me. It was taken from a third bank account. The same account in which Wells Fargo said they could not draft from because it was a custodial account. Yet, Wells Fargo went into this account that I had deleted from Wells Fargo 's website. Wells Fargo was not authorized to take any funds from the last account. Also, Wells Fargo told me they had contacted my financial institution and was told it was a custodial account and therefore, Wells Fargo could not draft funds for the account. Then Wells Fargo turns around and draft another payment in the same pay period from the account. 
Spoke tp XXXX XXXX on XXXX XXXX, 2017 at XXXX on XXXX who said she would call me back when she found out why funds were taken from the account after payments were already made. I have not heard from XXXX.
Consumer complaint received 2018-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a dispute to TransUnion for a collection account that is being reported by XXXXXXXX XXXX XXXX ( XXXX ). The dispute was sent via certified mail on XX/XX/XXXX. To date, TransUnion has not addressed the dispute. I recently sent the attached letter advising that they have exceeded the 30 days allowed. I received the attached letter stating that they were unable to determine the nature or my request or the request was illegible. I am requesting an immediate removal of the account reported by XXXX XXXX XXXX as TransUnion has failed to comply with my original request. I have attached a copy of the certified mail receipt, a print of my report showing XXXX listed, the 2nd letter mailed after 30 days, the letter received by TransUnion and a screen print from TransUnions website which shows that the dispute was received. If TransUnion was unable to determine the nature of my original request or if it was illegible, the letter that was sent on XX/XX/XXXX should have been sent within the 30 days.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (CA)

I just received a collection letter from RPM Receivables Performance Management LLC. dated as XX/XX/2018 demanding a Payment of {$570.00}. 
I don't know where this debt is coming from then for I will formally dispute it. 
I want to ask the CFPB in my behalf to request this debt collector XXXX to cease and desist any collections efforts because the fact I don't owe nothing to XXXX. ( Since Now I know I will file an complaint against them with the FCC for doing this, using different debt collectors to pursue an amount that I don't owe them Since I believe there is another debt Collector its name is XXXX XXXX I opened a complaint against them CFPB # XXXX ( also trying to pursue the same alleged debt ) checking in the CFPB system this company XXXX XXXX   return the complaint at least twice to the CFPB stating " The company responded that they are not the appropriate company to address your issue.The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information '' I'm attaching the other debt collector copy of the letter I received after I filed against them and now they are denying to the CFPB they are the ones did the harassment phone calls well with this letter it shows they tried to avoid to respond my complaint to the CFPB.Clearly this company is violating my consumer rights under the FCPA
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from Experian and XXXX that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Consumer complaint received 2018-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Principal Group, LLC (NE)

This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I called XXXX XXXX to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and Equifax that an item on my report status has changed. XXXX XXXX had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Consumer complaint received 2019-10-27
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. (FL)

EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE. THEY REFUSE TO DELETE. 
ACCOUNTS : XXXX & XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXX XXXX Dispute -- NOT MINE XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXX XXXX XXXXDispute -- NOT MINE XXXXDispute -- NOT MINE XXXX -- NOT MINE
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The Capital One Bank USA was a secure credit card in the amount of {$300.00} dollars. Now this card is {$2500.00} I do not know how this credit card allowed by the Capital One Bank to go that high. I did not do this and I do know that my card was used by someone else. My question to the Captial One Bank is how could you let this card that was only a secure credit card for only {$300.00} get to {$2500.00}. This is fraudelent and I did not do this sort of thing. 
Attached please find a copy of my credit report that shows this issue. This is not my bill.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (CA)

Trying to remove unknown inquiries from my credit report. 
I have no knowledge of these listed. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

My mortgage with Freedom Mortgage was refinanced through XXXX XXXX XXXX in XX/XX/XXXX. Freedom Mortgage received their payment on XXXX XX/XX/XXXX. At that time I had a balance of {$3.00}, XXXX in my escrow account that was due me. Freedom Mortgage claims that the payment was sent on XXXX XX/XX/XXXX. On XX/XX/XXXX, I called Freedom Mortgage to inquire about the status of the payment. I was told that they would take no action to track the payment until it was 30 days past due. When I asked for a tracking number so I could track the payment I was told that Freedom Mortgage does not provide that information and would take no further action until 30 days after the date they claim they sent the payment. I also asked about my year end statement fot tax purposes and was told that the " only obligation they had was to provide that statement by XXXX. I did not receive that statement until XX/XX/XXXX. Freedom Mortgage has been a horrible company to deal with and should never be allowed to handle VA mortgages. If I were 1 day late in sending a payment they would change me hundreds of dollars in late fees. In fact, I was on an auto pay system and my escrow charges changed by XXXX cents. Instead of notifying me that the amount changed they charges me {$350.00} in late fees three days after the payment was due. A very disreputable company.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

A company called Credence called me and said they were with XXXX XXXX XXXX and that I had a past-due balance. I unknowingly gave them my card number and they charged me {$210.00}. I don't owe XXXX XXXX XXXX any money, I actually have a credit on my account. This is a scam company taking money from unknowing individuals. They even play the XXXX XXXX XXXX signature sound on the phone to make it sound official.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.