davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration (MN)

I received a phone call on my work line. I was away at my desk at the time and they left a voice message. They said they are from the county process serving division, that I am named defendant and want to serve me court documents at my work or home between XXXX. They also requested that I have photo ID available.
Consumer complaint received 2023-02-20
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. (TX)

I submitted a complaint at the end of XX/XX/2023 with the CFPB on behalf of Experians recent investigation problem. I understand that as of today, on the CFPB website with my login info, that it states the investigation is still open and we are waiting for a response from the credit bureaus. My husband and I received an email to each of our emails addresses from Experian on Thursday, XX/XX/XXXX, stating the investigation was completed and that they finally updated the balance. After 5 years of constant disputes with Experian that led to hardships of approvals and no deep dive investigation with multiple requests, I am not looking for an update on the account balance. With a {$2100.00} difference in balance change, that has proven to have the violated the FCRA law for five continuous years, I am only looking to have the joint account XXXX XXXX XXXX XXXX XXXX to be permanently removed from both I, XXXX XXXX and XXXX XXXX credit reports and a compensation for the long term damage that it has caused.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Throughout the pandemic pause Navient has continued to take payments as scheduled. I initially called and filed for a pause when my dental office was closed in XX/XX/2020 which a Navient representative approved during our conversation. The regularly scheduled auto-payment however was withdrawn on schedule. All subsequent payments have been withdrawn since. During the time of the pause on payments and interest the payments have been taken with interest. On one month, XX/XX/2020, the payment was on time, and put to interest only. To date Navient has taken {$4600.00} in interest during the pause on interest. Early on, Navient representatives were apologetic. Now they state that my loans are owned by them, not the XXXX. of XXXX. I checked online and the XXXX. has Navient listed as my loan servicer, and still as the federal loans that they always were. 
Any help dealing with them and getting the interest changed to principle would be appreciated.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MA)

I opened a Best Buy account in XXXX of 2019 and purchased a video game and used the account for some online purchases and an XXXX XXXX. I reported the the card lost and reported fraudulent charges. Best Buy refuses to contact me to discuss my fraud. I have opened 5 separate disputes and all are returned that the charges are legitimate. I have requested to speak with the investigator for my case multiple times and they say that he will be contacting me for additional information and no one ever calls. I have been charged an excessive amount of late fees and interest as well as the account has been added to my credit report as a write off. This is destroying my credit rating and I am not able to be approved for even a auto loan. There are out of state charges as well that do not belong to me. I dont know how many times I can call and request to speak with my assigned investigator and be ignored. This matter has been going on for 2 years and I have spent an irreplaceable amount of time upwards of at least 2 hours a day on average at least every other month. I also received letters periodically from Best Buy that there is suspicious activity on my account. 
My purse was stolen which had my wallet, cc, drivers license, social security card many other personal items. I was able to contact my other cc companies and they rectified my fraud almost immediately. I do not know why Best Buy refuses to help.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc (NC)

I received a letter dated XX/XX/21 that was addressed to my current lender and me and said Important! on the envelope. I opened it and realized it was just advertising to get me to refinance my current loan with another company. The letter and packaging seem quite deceptive as it's only in the fine print that the letter was sent by Millennial Home Lending and not my lender. There is also " Statement Date '' printed at the top to trick consumers into thinking this notice is a statement from their actual lender.

I have no relationship with Millennial Home Lending ( nor will I, given deceptive advertising ) but wanted to report this shady practice.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I opened a Amex Delta Gold credit card from link in XXXX website on XX/XX/XXXX, which showed some good welcome offers. After apply the card, I asked the Amex representative online on XX/XX/XXXX and XX/XX/XXXX, and they confirmed I have those offers as showed in AD. While now I finish one of the task to purchase XXXX ticket using that credit card, Amex didn't give me {$200.00} credit as they promised. I complained to Amex online, they told me in the application proceed, they showed me a message that I cannt get those offers, I agree that I saw that message, but I didn't understand it totally and just think it is not important so click next to continue the application. After application, I asked twice online to confirm the welcome offers, their representative told me Yes I have ( Attached chat screenshot ), now they declined me just because they noticed me before while I didn't understand it. I think the last decision from their representative should be the final decision. Their manager told me someone will help solve this problem in 48h, while no one contact me after 72h. I have no choice, so submit complaint here to get some help.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OK)

Have been with Quicken / Rocket, approx. 20 years. Never missed, never late that I recall. Rocket contacted me to refinance. the process was pure harassment, start to finish. Bank statements, back to many years, identity checks that were ridiculous. '' Is this you in the photo? verify that in three ways. Do you swear that is you? Do you know XXXX XXXX? Who is he? Where does he live? Did you own a 1997 XXXX XXXX. This harassment went on for at least 2 months. This after a long term, stellar record with the company! All was unnecessary, they already had every detail of my life, and I mean everything! Finally complete, and the new deal was a benefit. Presently, Rocket is attempting foreclosure. I am behind by a measly, {$1600.00}!! Incredible!!!! This because I have 2 very debilitaitng medical conditions, which cause horrible pain. Traditional medicine can do nothing. I need XXXX XXXX XXXX, which are not covered by insurance. I need XXXX the wife,XXXX, totaling {$140000.00}. So, I have channeled the cash to finance this, very critical solution. Mr . Rocket, would do no different. A person can stand only so much physical pain. I have contemplated XXXX XXXX seriously contemplated it! Please sanction, please fine heavily, please force positive changes! I am a tough XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bucked off, onto my face, broken bones, been badly burned and more. But this, this is XXXX ON EARTH!! Thank You XXXX XXXX
Consumer complaint received 2021-04-25
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 — Their investigation did not fix an error on your report
Company: SUN LOAN COMPANY INC. (OK)

In XXXX my wife and I had loans through a local loan company Sun Loans in XXXX Oklahoma. Around the end of XXXX through early XXXX I got behind on payments. On XXXX we paid these loans in full. This account reflects on both of our credit report as paid but it shows to be a charge off. I'm not sure why this account shows to be a charge off, we we're still actively doing business with this company and they we're still actively trying to collect on the account. We have tried multiple times to have this corrected with the credit bureau with no success and also have went to Sun Loans directly and they faxed a letter to XXXX XXXX XXXX XXXX XXXX disputing this for deletion.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MA)

I applied for a credit card with Wells Fargo. I was approved and told to create an online account to access my banking information. I am unable to access that account or create a profile with them to use my card. They state it is because I had a previous profile with them created in 2011. This profile was not mine, was never created by me and it had old information of my mother 's, none of which was ever associated with me. They are unable to change the phone number on my account to allow me to create an online profile and it has been over XXXX weeks of daily conversations with different people all telling me XXXX more business days for this and that- none of which works. my concerns keep getting 'escalated ' and I am not being told that the only way I can create an account is by opening a checking account and going to an ATM with my debit card! So they want me to create a new account when I can't even access my existing account! I am so upset, this credit card can not be used, has pulled my credit and is now on my credit report. I feel completely mislead and lied to. Wells Fargo has completely been unhelpful and uncaring with my issue.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. ()

Caliber Home Loans has failed to pay back overpayment held in escrow following the sale of a house in probate on XX/XX/2021, roughly {$4000.00}. The payoff quote from Caliber provided to me at the house sale commits to returning payment within 21 days. 

The house is in XXXXXXXX Washington while I live in the XXXX XXXX. Within a day after closing ( on appx. XX/XX/XXXX XXXX, I called Caliber to give them my address in the XXXX XXXX to send the amount that was overpaid for taxes and insurance escrow ( they would not do bank transfer ). They took this information and said that I would receive payment in two weeks. When I did not receive the payment I called back at the end of XXXX, when they told me that the check was in the mail. I had not received payment by XX/XX/XXXX when I called again. This time they told me that the check had been sent to the house that was sold, which is a clear mistake. The third person that I spoke to put in two 'work orders ' to 1 ) override the requirement to only mail inside the US , and 2 ) resend a check to my correct address in the XXXX XXXX When I did not receive the check by XX/XX/XXXX, I called again ( and spoke with XXXX XXXX ) when I was told that they can not send the check outside the US. We arranged for them to send to my relative and I was told it would arrive at that address within 10 days. It has been 14, and still payment has not been received.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from XXXX XXXX XXXX Maryland XXXX of the Clerk, indicating that the XXXX doesn't report any information to the Credit Bureaus. 
Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through XXXX or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Attempted to remove credit infromation regarding a failed business venture with my personal credit being compromised several times prior. Experian claims there is a settlement in the works, but I shouldn't have to wait to settle an issue I've ben having since I began using my credit to attempt to get a car, business loan, and house through XXXX XXXX, XXXX, and XXXX  XXXX XXXX. Feels like discrimination.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (OK)

Its being over 2 months since my XXXX account has being locked. 

Ive been told that my account was locked because I needed to submit a letter of support ( affidavit ). Ive already submitted the document and its being a month and my savings XXXX account is still locked. 

Everytime I call the customer service number, I keep getting told that the affidavit of support is still under review and the estimated time period is up to 10 business days. 

Its being over 20 business days and Im still being told the same thing everytime I call customer service. This is frustrating as I have all my money saved in that account. Ive already proven my identity through the affidavit of support, yet I have no access to my savings Marcus bank account.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I have no connection to this debt. It does not belong to me. On XX/XX/year> I called the debt collector and inquired if they have any files in my name or with my ssn. The company searched and reported back they have no ties to me yet this debt is on my credit report.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NC)

To whom it may concern, I am working on a mortgage application with Citi Bank, NA. Here 's what happened : We started the loan processing on XX/XX/XXXX when I had a contract with the seller. The closing date we set up was XX/XX/XXXX, which gave Citi Bank almost 60 days to process the loan. 
During the process, I always respond to the requests from Citi Bank with in 1 business day including documents they requested or any other information. However, every time when I submitted my documents and asked the loan officer and processor if the documents met the requirements or did they have all the documents they need, they never respond. It is XX/XX/XXXX and that means 7 days pasted the closing date, Citi Bank still can't provide us a concrete closing date. This is due to their lack of response and failure to fulfill the jobs they were supposed to do. I have the full time line of the processing for your reference. 
XX/XX/XXXX under contract XXXX Appraisal received XX/XX/XXXX UW asking for supporting documents. 
XX/XX/XXXX Supporting docs submitted XX/XX/XXXX Approval package with requirement of some additional docs XX/XX/XXXX Supporting docs submitted XX/XX/XXXX XXXX asking supporting docs that I submitted before ( more than once! ) XX/XX/XXXX Supporting docs submitted right after the call XX/XX/XXXX Still no closing plans from Citi. 
we doubt we are getting an extension from the seller and the whole deal could be dead. 

If the deal fails through, I will suffer from severe financial loss including : {$5000.00} due diligence money, {$800.00} appraisal fee, {$330.00} house inspection fee and most importantly, the priceless time from both agents of seller and buyer and myself! 

It is inexcusable that Citi Bank had 67 days to process the loan and still they failed to close it on time despite all the effective efforts I ( and my agent ) made through the whole process.
Consumer complaint received 2021-04-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2023-06-30
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. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

In XX/XX/2021, Mid America mortgage increased my escrow amount from {$66.00} to {$600.00} per month ( see attachment ). At the time of this increase, there was already {$840.00} in escrow. My last years home owners insurance policy was only {$670.00} ( see attachment ). 

I believe the increase was excessive, and exceeds the federal maximum a lender can hold in escrow. Further, I was hung up on when attempting to discuss the matter with a Mid American mortgage representative.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX should not be reporting the XXXX  XXXX partial account number XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. Equifax ; XXXX XXXX XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax ; XXXX and XXXX should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax XXXX XXXX  and XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. Equifax should not be reporting the XXXX  partial account numbers XXXX and XXXX. These accounts are over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX  should not be reporting the XXXX XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. XXXX should not be reporting the XXXX partial account number XXXX. This account is over ( 7 ) years old and should be removed. ( Please see pages attached from my credit report. ) This reporting of aged accounts that should no longer be reporting is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus multiple times to remove these items however, I have not been successful.