davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Dovenmuehle mortgage has not refunded an overpayment we made in XX/XX/XXXX. 

The confusion began when Dovenmuehle put us into a COVID forbearance without our consent. After numerous attempts to get our extra {$2000.00} XX/XX/XXXX payment back, I am still without that overpayment. We refinanced away from Dovenmuehle in XX/XX/XXXX and this {$2000.00} was never accounted for in our closing and remains outstanding. 

I have proof of payments made to Dovenmuehle from my bank ( s ) AND the Dovenmuehle website : XX/XX/XXXX {$2000.00} XXXX mortgage pmt from XXXX XXXX XXXX XX/XX/XXXX {$2000.00} extra payment made by mistake from XXXX XXXX XXXX XX/XX/XXXX Stop payment on XX/XX/XXXX executes for XXXX XXXX XXXX XX/XX/XXXX no check was ever received by us so that line doesnt count for anything XX/XX/XXXX Another {$2000.00} XXXX payment made to Dovenmuehle from my XXXX XXXX account to avoid threats of bad credit reporting from Dovenmuehle So we made 3 payments of {$2000.00} in XXXX and Dovenmuehle claimed we were late with our XXXX payment and threaten to tarnish my credit. There is no evidence showing where Dovenmuehle has returned any of these funds only the stop payment prevented the XX/XX/XXXX payment from going through. The XX/XX/XXXX check is a phantom - Dovenmuehle has failed to produce any evidence of this check being created, sent, or cashed. 

Ive had to spend a total of 5 hours on the phone with Dovenmuehle agents and supervisors and have gathered this proof just to document Dovenmuehle 's error. 

We are paid our mortgage diligently and any late fees need to be refunded as well. Any negative credit reporting must also be removed.
Consumer complaint received 2023-01-30
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. (FL)

XXXX XXXX XXXX {$0.00} - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-12
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. (CT)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I set up automatic payments on XXXX and the payment was not allocated as promised. I got a late payment, which was not my fault, because their payment product failed. It was a known issue at the time, but they never fixed it.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 I made a purchase where the payment was made through PayPal in the amount of XXXX. I have contacted the merchant for a refund because they had not shipped my items or provided accurate shipping information. I also contacted PayPal on XX/XX/2020 where I was informed that the said Merchant MISSINSTYLE had not provided any tracking information to them either. However, PayPal is refusing to issue a refund and wants me to wait until XX/XX/2020 for the merchant to ship the package. I have emails from the merchant refusing to issue a refund stating that it has been shipped and I should wait until I receive it to see if I like the item. Clearly the item has not been shipped but they have received payment, I would like assistance with getting my funds returned since the bank is unable to dispute the charges being that this is a third party purchase. Something I was totally unaware of prior to calling the bank
Consumer complaint received 2020-01-21
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: CarMax, Inc. (OH)

I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (PA)

Received vendor credit ( XXXX XXXX XXXX XXXX  ), {$1800.00} back in mid XXXX, credit has been sitting on my Barclays credit card account ( # XXXX ) up until now, XX/XX/2022. I have always maintained this credit balance and pay immediately for any purchases so that my card balance is always a {$1800.00} credit. Have contacted them to deposit this amount to my bank account. This procedure has already been accomplished before, but for a lesser amount. Have contacted customer service at least six times to accomplish this and the respomse is always " the check is in the mail ''. Being a senior xxxx person, the return of these funds are invaluable to me. Please, please do all possible for a swift conclusion to this matter.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a rewards check I can't cash since it past the time limit giving to cash check {$83.00} given on XX/XX/XXXX # XXXX And also never got a tax paper for I can do my taxes on this account which was paid off in the end of XXXX of XXXX!
Consumer complaint received 2020-09-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (SC)

Beginning XX/XX/XXXX I sent in a debt validation letter to the collection agency and the original creditor. Debt wasn't verified and was supposed to have been deleted from my credit report. Collection came back as verified. Sent a method of verification letter to both the collection agency and original creditor. Information was not submitted in a timely manner. Collection agency deleted from my credit report but not original creditor. On XX/XX/XXXX sent out another round of dispute letters and it's still coming back as verified. No method of verification of debt has been received as of this date.
Consumer complaint received 2020-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

i had a loan with kia finance- i paid the loan in full on XXXX after loan was paid in full, i did not realize that auto pay still sent another payment of XXXX on XX/XX/XXXX. I have called at least 20 times, unable to speak with anyone due to high volume of call and says to try again at later time, I have sent 3 emails to the customer service to request refund of XXXX, emails sent on XX/XX/XXXX, XXXX and XXXX I receive auto reply that says they have received message and will respond with 2 business days. I have yet to receive any responses.
Consumer complaint received 2017-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recorvery Associates unlawfully accessed my credit report, specifically XXXX on XX/XX/2021 without consent and without contractual authority or lawful purpose in direct violation of 15 USC 1681b. 

Portfolio Recovery Associates has continuously and repeatedly attempted contact via the phone at inconveneint times in direct violation of 15 USC 1692c ( a ) ( 1 ) ( 3 ) and has withheld their identity and purpose of communication in direct violation of 15 USC 1692d ( 5 ) ( 6 ) which now constitutes harrassing and abusive communication. 

Portfolio Recovery Associates has continuously reported information affecting my personal and financial reputation and health, specifically ( 3 ) separate, alleged credit card debt ( s ) without a contractual agreement with consumer in direct violation of Federal Rule 1002 and 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020 I went to make a mobile deposit. I have been trying to make this same mobile deposit every month for as long as Wells Fargo has installed Mobile banking. As normal I could not make the deposit. So I decided to walk to the branch. As I arrived the branch was closed to walk ins but you could make an appointment. I decided to walk through the drive thru. They would not take me at the drive - thru. I then called WF to see how I could deposit my checks. They told me that I could not, unless I made an appointment or drove a car. I could not make an appointment and I did not have a car so could not drive up. I then walked home. When I arrived at home I called WF to try to get a mobile deposit completed or withdraw my funds from the bank. They could not administer either a withdrawal of my funds nor a deposit. So I can not complete any banking with WF. I was in XXXX OR last week and I could enter the WF bank and complete my banking, in Texas which is a State that is open I can not walk into a bank. So I can not put money in or out. My money is locked.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

I sold my home with a CrossCountry mortgage on XX/XX/XXXX. I received my escrow refund check ( $ XXXX ) at my new address in Texas around XX/XX/XXXX. My check got lost during the moving process and I quickly submitted to get it reissued. They informed me I had to wait 6 weeks. On XX/XX/XXXX I submitted for a check reissue. I was told it could take up to 60 days to get the check reissued. Around XX/XX/XXXX I called again and informed me they had " forgotten '' to process the check reissuance and committed to expediting the check. I just called again today on XX/XX/11, and they said it will take 60 days to process, and there was nothing in their notes about expediting the check. There was nothing I could do but call back the following Monday and wait my 60 days. 

This is a significant amount of money they're holding on to, and although I take full responsibility for the additional 6! weeks it takes to reissue a lost check, I've lost my faith that this check will get reissued at all.
Consumer complaint received 2020-11-12
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: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2020 and XX/XX/2020 XXXX add a derogatory mark on my credit report pre XXXX XXXX, XXXX  and XXXX XXXX. Upon further research, this account was transferred and I am not responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written from of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FAIR CREDIT REPORTING ACT ARS has violated my rights as a consumer and I am requesting legal action to remove this account immediately. Thank you
Consumer complaint received 2020-09-22
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. (LA)

THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Today on XX/XX/XXXX, I had a chance to look at this report and there ARE MANY INACCURATE things on this report that I DEMAND TO BE REMOVED BY XX/XX/XXXX OR I WILL SUE FOR {$100000.00} INCLUDING LEGAL FEES!!! THIS SITUATION HAS PREVENTED ME FROM GETTING A JOB, A PLACE, A VEHICLE AND I HAVE BEEN JOBLESS ALONG WITH HOMELESS SINCE XXXX WITHOUT ANY SUPPORT FROM ANYONE OR ANYTHING. I DO NOT ASK FOR MUCH BUT THIS INFORMATION IS NOT ACCURATE AND NEEDS TO BE REMOVED XXXX DOCUMENTATION HAS BEEN PROVIDED IF IT HAS IT WAS SHREDDED DUE TO MY EVICTION AND HOMELESSNESS!!! THIS HAS TO GO!! OR PAY {$100000.00} INCLUDING LEGAL FEES
Consumer complaint received 2023-01-30
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)

This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX XXXXXXXX XXXX : {$230.00}
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute Fair Collections & Outsource Balance {$7800.00}, this is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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)

This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2020-01-21
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. (SD)

Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. Equifax, XXXX, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. Equifaxs automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (CA)

I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX XXXX  has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.
Consumer complaint received 2023-02-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (WA)

Global Lending Services has repeatedly threatened to repossess the vehicle that I have a loan for. I've contacted them to notify them that I had a cross-country move and that I incurred unexpected difficulties relating to that move, an emergency health situation with my wife, and being laid off shortly after arriving in Washington. 

During a several month period, they have begun to call me pervasively, also calling my grandmother who is not connected to the loan. I made contact with them today, XXXX, to indicate that I would be paying an amount typical of my last several payments, each in excess of {$500.00}, and more than {$80.00} over the monthly cost of the 5-year loan. This would have the effect of catching me up in a timely manner. 

I was informed that despite paying recently, and showing a pattern of above minimum payments, my car would be repossessed Monday morning unless I paid a substantial amount of money today. 

I had received a voicemail indicating " XXXX, your time is about out ... '' I'm receiving an oppressive number of calls, which my phone has automatically classified as spam due to the frequency at which they occur. During the conversation with the agent today, I requested that they lower the calls and expressed my displeasure at the frequency. 

The agent responded by telling me that " she could call me 3-times a day if I didn't catch up soon. '' I have no doubt that this classifies a threat to harass me further if I don't catch up immediately.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have an identity theft protection lock on my account, due to finding my SSN on the dark web. Please remove said inquiries that do not belong to me. 

XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XX/XX/XXXX