davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I wrote and called and contacted Dovenmuehle on XX/XX/XXXX and to date, have received no response. At that time, the agent on the phone state they had not received my payment and that I would be assessed a late fee and credit report if I did not make a payment that day, even though my payment had processed on XX/XX/XXXX. She said I should make the payment and then it could be straightened out later. It is six weeks later, and Dovenmuehle still has not " straightened it out '' and my additional payments are not anywhere to be found applied to the principal nor that a payment should not be due until a later date. They have not responded to two emails, and when I call, I am told to write an email! So, I have had -0- response and am paid ahead by {$1000.00}. Dovenmeuehle does show all of the payments but does not show that they have been actually applied to MY MORTGAGE. Furthermore, they have he address of my property INCORRECT and they have not responded, nor corrected the address to reflect : XXXX XXXX XXXX- instead, it shows as XXXX XXXX. I have asked them to correct this three times, again- no response and no changes. 

Payments were made on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX as a direct result of your agent stating no payments had been received and I was past due for the full amount. 

XXXX XXXX This is a total of {$2700.00}. I am paid ahead XXXX Where are these payments?? Your amounts do not match nor has it been applied to my principal, nor does it state that XXXX amount is due. this is ridiculous that have had -0- response in six weeks. 

FIX MY BALANCE AND STATEMENT
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

I had electric services with XXXX  XXXX  XXXX, XXXX, I was moving out of Indiana, had my account requested to be closed on XX/XX/2022. I have paid all my bills on time for electric utilities. On XX/XX/XXXX, the account was closed and the final bill came due, XXXX, I paid this on XX/XX/XXXX, the due date on the final bill was pay by XX/XX/2022. Apparently on XX/XX/2022 I was sent to debt collections LJ Ross associates, I received a letter dated XX/XX/2022 that I was sent to collections for XXXX ( this was already paid ). Since mail takes some time to get to me, I opened the letter on XX/XX/XXXX, was distraught that this occurred. I called XXXX On XX/XX/XXXX in the XXXX, they said that there was a " system error '' that occurred and several accounts were sent to collections mine happened to be in that account, then it was recalled on XX/XX/XXXX, they said nothing will go to credit bureau and that LJ Ross or other debt collector should not be collecting. I then called LJ Ross later in the day on XX/XX/XXXX, they stated the account was recalled and they can not give any other information and told me to call XXXX. I then called XXXX they said that it was a system error account has been recalled, I have paid in full, and that it should not hit the credit bureau, but it would be LJ Ross that reports that, they said to check XXXX in a couple of weeks. I stated okay, and I stated that this is a significant amount of work, time consuming out of personal time, and requires checking multiple places ( XXXX, LJ Ross, XXXX ), and that there should be compensation for literally time wasted for an error done by XXXX, I was denied compensation, one rep sent me to a supervisor, I notified the supervisor who I spoke with I would like this I was told I can file a damage claim online ( there is no damage claim for financial compensation ), and then I was told another supervisor would reach out for my concern, I notified that this type of behavior is not acceptable to have accounts sent to debt collection and waste customer 's time, and I should receive compensation, I notified the supervisor I will post on CFPB for this behavior. I would like fair compensation for my efforts at making sure I am not put into debt collection for no reason, my credit report is not damaged. This compensation can be negotiated with myself.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

My Marcus.com ( GOLDMAN SACHS BANK USA ) account was locked after I initialized an outgoing funds transfer on XXXX XX/XX/2020 to another institution. I realized that the account was locked on XXXX XX/XX/2020 after trying to login online and immediately called the customer service line to in an attempt to have the issue resolved. After over 90mins on the phone, and being transferred to a " specialist '',  the matter was unable to be resolved. I was told that I would be receiving a call back in 24 hours.  This never happened. I subsequently called back on the XXXX and XXXX of XXXX only to be told both times by a specialist that the account was under review and it would take 24-48 hours to unlock the account. To date, the account is still locked. I am not able to access my funds and the funds have not been received at the other intuition that I requested the funds be transferred to. I have also never received a call back.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Consumer complaint received 2023-02-25
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: WELLS FARGO & COMPANY (CA)

I placed an order with XXXX  around XXXX of 2022. I called XXXX XXXX to dispute the charge on the XXXX of that month because I never received my items and the order was {$2100.00}. Ever since, I have been in a 6 month long dispute and the bank just recently closed my case, ruling that I had been denied. I also got a chargeback from XXXX  somewhere in between these 6 months but was able to dispute that and win that case. My case was taken to VISA arbitration and only till now have they come to a conclusion. However, I still need a refund for the items that never arrived so please help me get my money back. XXXX XXXX has not been very helpful with my case and has dragged it out for almost 6 months. XXXX XXXX even claimed that they were waiting for the merchant to respond back after having already contacted them. They said they contacted XXXX  and waited the appropriate amount of days, in which the merchant did not respond but XXXX XXXX still contacted XXXX  again. But according to XXXX XXXX 's claims policies, if the merchant does not respond within the given days of initial contact, the case is closed and the customer ( me ) would win the dispute. However, as I was calling XXXX XXXX to check on the progress of my claim, they alerted me that they have contacted XXXX  again for a second time claiming that they're still waiting for their response.
Consumer complaint received 2020-05-20
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-20
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

I had XXXX XX/XX/XXXX at XXXX Hospital XXXX in XXXX XXXX, Florida, with anesthesia services provided by XXXX XXXX, XXXX ( XXXX ). The claim was sent to our health insurance, XXXX  XXXX, and we were found to owe {$1000.00}. We received a bill from XXXX for this amount, which we paid in full online on XX/XX/XXXX via American Express. On XX/XX/XXXX we received a collection notice for this service from Frost-Arnett ( XXXX ) in the amount of {$1000.00}. We explained at that time that the bill had already been paid in full. Since then, we have received 4 or 5 additional calls from Frost-Arnett attempting to collect on this debt that had been paid in full prior to receiving any communication from a collections agency. After contacting XXXX several times to correct this situation, we received a letter from them dated XX/XX/XXXX stating we had a XXXX  balance on the account and were assured that the issue had been taken care of. We received another phone call from Frost-Arnett today, XX/XX/XXXX, again attempting to collect on this previously paid debt. We would like for Frost-Arnett to cease and desist in their harassing attempts to collect on an already paid debt. Additionally, we are requesting a letter in writing stating that this debt collection attempt was made in error and will not affect my credit.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (DE)

I am renting a home in XXXX. I have a friend locally who went to see the home in person and we decided to move forward with the rental. I had to submit a payment to secure the unit - either cash could be given in person ( I send money to my friend to give to them ) or we could try digitally. We decided to send the payment with Paypal to minimize stress for my friend who was local. On the payment confirmation page Paypal said that I was sending, paying and the recipient would " get '' $ XXXX on XX/XX/2022. 

The recipient confirmed that he did see the payment coming through but there was a significant commission charged by Paypal of over 5 %. Ultimately he was charged XXXX to receive the funds although Paypal 's website very clearly states that the same amount would be paid, sent, and got - for the receiver that was not the case and I am personally responsible for making up the difference. Once the transaction took place it was too late to cancel it. I called to ask if a one-time exception could be made to cover the fees so that the payment would be as it was presented on the confirmation page. They let me know there was nothing they could do to help- they said there isn't an internal team that reviews for UDAAP complaints but they could submit the call for review of potential regulatory violations. I asked what they follow up from that team would be, the manager ( who was supposed to the highest level on the phone ) stated he didn't think there would be customer follow up, but was unsure and didn't have a resource to address to gain clarity. Had I known that the seller would not get or receive the amount I was sending in full I would have chosen a different method to send the funds over to him. I now have to pay additional fees to send the money charged as a fee for the initial transaction. Frustrated feels like an understatement. The only thing DID specify as a reason the recipient may receive less was foreign taxes - however, there was no tax charged, solely a fee from PayPal.. I find the language used on their site to be deceptive and unfair. As a consumer, I've essentially paid Paypal to send money and I'll be in a scenario where I'll have to figure out how to pay my landlord while potentially incurring additional fees as I do it. Had the language and fee breakdown been properly explained I would have not used the service. For me, $ XXXX isn't going to absolutely destroy me, but for someone else it may. My issue is that it is extremely deceptive and pretty unfair to advertise that a recipient is receiving an amount Paypal knew at the time I was initiating the transaction that they would not.
Consumer complaint received 2021-07-08
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. (PA)

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent
Consumer complaint received 2022-07-11
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)

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 2 months 9 days 0 XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX  XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 1 month 7 days XXXX XXXX XXXX XXXX XXXX XXXXXXXX View account details Account status Age of Account Late payments Closed 5 years 4 months 9 days XXXX XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 6 years 5 months 1 day 5
Consumer complaint received 2022-06-30
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. (TX)

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2020-05-20
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC (TN)

We told the lending company that we wanted to add our closing costs to the loan. I was told by lending company it is. We were a day before closing and still did not have closing documents to verify that it was getting added to our loan. The next day we are supposed to close and still have no closing documents. Called amcap and they wouldn't tell us why we still don't have closing documents and this is one hour before we are supposed to close. And that's when we got blind sided for an additional {$15000.00} for closing costs. We call amcap and they tell us they didn't add the closing costs to the loan because she isn't a mind reader and didn't know we wanted to do that after we have mentioned it several times. After she said she wasn't a mind reader and didn't know we wanted to do that she then said we can go back and add it to the loan but it will push us back from closing multiple days knowing we didn't have multiple days and closing was already delayed once. After we said that's fine we will wait until it gets fixed because we really needed that additional {$150000.00} for appliances, furniture, and to pay off a bill. After we said we will wait amcap then proceeded to tell us we can't add it to our loan now because if we do we wouldn't qualify for the additional {$15000.00} on our loan and that we would have to start all over and likely not get the house we wanted. This company lacks integrity and has bad business ethic. Their lack of honesty and using our loan against us and blind siding us with an additional {$15000.00} out of pocket really put my family and I in a bad spot. I regret using this company and wish I never did. They then proceeded to the US that we should be grateful that we got approved for our loan and the only reason we got approved was because all the favors they did for us. This company ruined the whole experience for my family. They I L ed to us and played games with us. We did not get the final closing disclosures until minutes away from closing. I feel the closing disclosures should have been emailed to us multiple days before closing so they can be reviewed and if there are any discrepancies they could be rectified properly. Instead we did not get the closing documents until minutes before signing and there was no way to fix anything especially after they lied to us multiple times
Consumer complaint received 2021-11-22
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Owed : {$16000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Owed : {$0.00} CB/VICSCRT XXXX Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$4300.00} XXXX XXXX COL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$460.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$460.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX Owed : {$840.00}