davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX  to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.

2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.
Consumer complaint received 2018-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (FL)

I bought a car from XXXX  XXXX a XXXX XXXX XXXX Im being charged payoff {$15000.00} My payments are {$420.00} per month Principal XXXX month interest {$280.00} Im XXXX years old, XXXX   issues and I take XXXX XXXX I was scammed and I need help from this horrible loan. 
I have a XXXX grade education ... widowed.live on social security Can you help me or guide me to fairness..and honesty Is it still out there? XXXX XXXX The company is Santander U.SA Out of XXXX Texas
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX- Synchrony bank- 1- This problem has been ongoing and never resolved even after multiple calls and CFPB complaints- read them and weep! Your agency does nothing! Complaint again! I never received a written reply from the company as to why they misinformed me and would not allow me to make payments., although, finally able to resolve making payments that letter and to date never came! 2- Their so called automated payment automatic answering still does NOT WORK even though they claim to be working on it. IN my opinion a scheme to make money off of late charges and charge higher interest for failure to make that payment on time. XXXX XXXX XXXX purchase Credit Plan 5  years no interest. I now owe late charges and fees again and the payment which was once resolved is NOW higher then they themselves provided! So, once again, when is your agency going to be who you claim to be a PROTECTION agency and assist?
Consumer complaint received 2022-09-01
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)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXL XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2018-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

Amount {$670.00} XXXX XXXX/MRS debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
Consumer complaint received 2022-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE " LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ XXXX
Consumer complaint received 2022-09-01
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. (FL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX  I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/ XXXX  and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXXt # XXXX Inaccuracies found, ( condition of account inaccurate ). XXXX # XXXX inaccuracies still present, ( reported dates, date opened unavailable ) XXXX # XXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX # XXXX inaccuracies still present, ( pay status ) XXXX XXXX # XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.
Consumer complaint received 2022-09-01
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF XXXX XXXX XXXX XXXX XX/XX/2005 Balance : {$25000.00}
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2023 I sent money to a Cash App recipient for them to retrieve immediately. The family member stated that they received the notification for the funds and that they cashed it out for that same day however when checking on the XXXX of the same month the transaction was still pending. I checked on my end and it was saying pending as well and the person needed the money that day so I cancelled it. There were 2 transactions from 2 different banking accounts to the same person. They both were showing pending and CashApp was not available to assist so I cancelled both transactions. One went back to my CashApp account of which I had to pay a fee to retrieve the funds and the other one showed canceled however it never came back to my CashApp account nor to my banking account. On that Monday I contacted CashApp and was told that they never showed the transactions pending and that they cancelled and returned both amounts. I told them that I only received the one for {$270.00} and I'm unsure of why I'm being charged to retrieve money that they failed to deliver and was told that this is the way cancelled transactions are handled and that I will have to give the other transaction for {$270.00} at least 24 hours to go back into my account. I called back twice after this at which time I was informed that the funds had been returned to my bank and there was nothing more that they could do that I would have to handle this with my bank.
Consumer complaint received 2023-01-26
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. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-01
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: Resurgent Capital Services L.P. (MO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an account reporting on all 3 of my credit bureaus for a credit card that was included in my Chapter XXXX bankruptcy. This card was included in my bill of matrix when I originally submitted my documents for the matter. It should not still be reporting on my credit as a derogatory account once it has been discharged.
Consumer complaint received 2019-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

Previous to this incident I have never had a missed payment or any issues so this is my first incident with the company. I am currently undergoing treatment for XXXX XXXX XXXX XXXX XXXX and because of this was given a {$500.00} check from the XXXX XXXX to help towards my mortgage. On XX/XX/XXXX I sent the check for {$500.00} along with the remainder of my mortgage payment by personal check in the amount of {$730.00} to total the payment for my XX/XX/XXXX mortgage. Unbenounced to me, Rushmore sent the {$500.00} check back to XXXX XXXX claiming they were unsure how to apply and held my personal check in a suspense account. Nobody ever called me to tell me about the mistake I only found out the issue because somebody was taking pictutres of my home related to Rushmore and I called them myself to figure out what had happened. I was able to get the XXXX XXXX to cut another check and sent it in again to Rushmore with a detailed description of how the mistake had occurred and how to apply this check to clear up the XX/XX/XXXX payment. This was sent in XX/XX/XXXX. I have no received multiple letters about how they are starting the forclosure process on my home if I do not pay the balance, but they have the money to cover the payment. I have called and gotten no return phone calls and they are unwilling to help. I need them to apply the payment that they have and stop the forclosure process. It is very sad that this all started because a foundation was graciously trying to help me during this very difficult time in my life. Such a travesty and we need help.
Consumer complaint received 2022-08-29
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I rented a car on XX/XX/2017 for 1 day, returning it on XX/XX/2017. The cost of the rental was {$1500.00} with a deposit of {$2000.00}. After several text messages back and forth, my deposit was refunded to me in full on XX/XX/2017. On XX/XX/2017 a charge for {$7100.00} was charged to me with the comment of " damages ''. I eventually received an invoice from the car rental company showing what the amount was for, which I believe to be fraudulent. American Express originally stated that I acknowledged the damages due to my signature being on the receipt, however the " damages '' line was added in well after the fact, and I never accepted them. 

The invoice that the car rental company provided shows 3 items : parts for a mechanical issue, labor, and loss of use. This was dated XX/XX/2017 ( when I was originally charged the {$7100.00} ). However the receipt they provided to Amex has my signature dated XX/XX/2017 ( the date the vehicle was picked up at my hotel ). It's not possible for the rental company to have determined all of these costs at the hotel and for me to have acknowledged and signed for them. They would have needed a mechanic to do this and I wouldn't have known the final amount until several days later. It's just not possible for them to have seen these issues, known the cost of parts and labor and loss of use while picking the car up at the hotel. I watched him drive the car off in perfect condition.

That said, American Express encouraged me to work with their car rental claim department on this ( my rep 's name was XXXX XXXX ). She was unable to receive any documents from the rental car company and continued to escalate internally within American Express. Amex told the claim department that they agreed that it was fraud but could not do a charge back since too much time had passed, and therefore I am out of luck. You can see my exchanges with the car rental claim department in the attachments as well as my original dispute documents with this charge.
Consumer complaint received 2022-08-29
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get deleted immediately. 
CONSERVE ( Original Creditor : 07 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I would like to know why it takes a long period of time to receive and have access to a refund when you make a debit purchase from your checking account and get a refund. It seems that the bank keeps your transaction pending for a few days before you have access to the money thats been refunded. I made a purchase and the merchant mistakingly charged me twice. Its gon na take a few days before I can access the money, even though its been turned in. This doesnt seem right because when you make the purchase, the money is instantly removed from your account.