davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

XXXX Mortgage XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Loan amount {$190000.00} My Re-finance was denied for for no valid reason. Documents were sent multiple times and not recorded correctly. I was promised a Par rate then points were added. It seems that there are time share condominiums in the area but not in the condominium complex in which I own a unit. There are very few units that are rented by some owners. I was told that the title company made this decision but then told that the mortgage company made this decision. There does not seem to be any other issues. No credit issues, no net worth issues, no income issues no, no loan to value issues. Its seems that I XXXX be being discriminated against and /or rates increased and they did not want to honor promised rate. Please investigate. I have never been denied a loan or mortgage in my life.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I been in the Hospital for 5 Months due to having XXXX from XXXX, 2020 as of now my Bank XXXX Bank of America XXXX states I own {$1600.00}. I have wrote to this company bank to waive this amount due to unable to pay due to my illness. 
I have Not hear anything back from bank of America except calling me all Hours seven Days a week including Sunday that I own this Amount. I can Not get up from my bed to attend them due to all Medication I am taking. 
I need to solve this issue before this Loan raises to the XXXX which due to me having XXXX having very low income and unable to work to pay this Loan I have been pleading to Bank of America for being a Member for over 28 Years to waive off this Loan
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago. 

I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022. 

Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022. 

When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade. 

I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest. 

What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf. 

It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CA)

Castle Credit has been calling my house supervisor at work, asking to call them on this number, XXXX ext. XXXX. They demand from me to pay my loan since its only the interest I was paying. When in fact, the water softener I financed with them created a problem as it was leaking and my neighbor complained about it. Instead of installing it in the garage, it was installed in an uncovered place outside my house. They have been calling my work and even my friends and I felt this is harrassment.
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc (CA)

To whom it may concern : I, XXXX XXXX am a homeowner in XXXX XXXX, California and recently discovered that I am a victim of identity theft. One or more thieves have used my identity to open accounts, steal my credit and place liens on my property. All these accounts were opened without my knowledge nor approval. I knew nothing about any of this until recent. As a result, several fraudulent involuntary judgement liens were placed on me and my home and after several months of requesting that the lien holders investigate and remove or provide me with documentation substantiating signed contracts, credit card statements, signed court notifications to appear, etc., they have not been able to provide anything. 

Also, I have made several requests in writing to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX that they investigate and remove those liens on my property title. To this day, the lien holders and title company have refused to respond and remove these liens from my title. This fraud has prevented me for closing several financial equity deals. Please notify all named parties listed below to discharge the fraudulent liens. 

Enclosed documents include : 1 ) Identity Theft letter to Chicago Title Company-XXXX identifying involuntary judgement liens. Approximate total {$42000.00} as of XX/XX/XXXX. 

2 ) Identity Theft letter to XXXX XXXX XXXX for lien Case No. XXXX. Approximate total {$11000.00} as of XX/XX/XXXX. 

3 ) Escrow lien letters from XXXX XXXX XXXX  for XXXXien Case No. XXXX & XXXX. Approximate total {$31000.00} XXXX XXXX + XXXX ) as of XX/XX/XXXX. 

Regards, XXXX XXXX___________________________ Date XX/XX/XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-07-06
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)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2021-06-14
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. (NC)

Experian credit is reporting that I have a chapter XXXX bankruptcy currently. This I incorrect! I do not have a chapter XXXX bankruptcy. I have called them, I have written several correspondences. I have file 4 times to dispute the inaccurate information. I have attached official court records that prove I do not have a chapter XXXX bankruptcy and they will not remove it. 

Each time I am told it is accurate although I have the proof in writing. I have chapter XXXX and there is a substantial difference. I just want then to update the accurate inforntaion and they are refusing to do so.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The bureaus and the company never do the investigation on the account because the date of last activity and account balance were incorrect. This information seems to be misleading and was never corrected.
Consumer complaint received 2022-07-06
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$92.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$92.00} Status Collection account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-16
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 is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED and CORRECTED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I have been a federal employee at the US Department XXXX XXXX continuously since XXXX. I am one of the people who originally applied for Public Service Loan Forgiveness in XXXX when it came into effect and was given false : illegal information then by my service provider about which repayment plans I could use. When I then sought to collect in XXXX after XXXX on-time, full payments I was again given wrong information and told I do not qualify for PSLF due to being in the wrong repayment program. When the PSLF Waiver was announced on XX/XX/XXXX, I applied immediately and all of my paperwork was completed and submitted by XXXX. Since then, I have spent. I less than 35 hours on hold trying to contact someone to find out the status of my application - confirm receipt, ask how we will be notified, see if anything is missing, etc. I have also checked at all of their online locations to try to get information, but just shows as pending. In all of the XXXX times I have called for information from XXXX or Dept. Of Education, no one has ever answered the phone. After an hour today I got through to XXXX # XXXX at XXXX explained I was calling about the waiver and had already been on hold for over an hour and have called multiple times and she promptly told me there is nothing she can do but send me to a waiver specialist at an unadvertised number. I told her no one ever answers that number and she said it is the only thing available. After being on hold there for another 75 minutes, still no one has answered. It is the same routine every day and in all the dozen+ times I have called in no one has ever answered. These so-called waiver specialists DO NOT EXIST. The providers are still playing games and trying to make it impossible for us to collect on the waiver and original PSLF as we are entitled!! I have served this country for almost 20 years, including a tour of duty in XXXX, and cant believe that public servants like me are being treated this way by these crooks. Meanwhile, they did transfer my loans from XXXX to XXXX, so what the heck is happening with my waiver application? 

I sincerely hope there will be some accountability on this issue. My loans should have been completely forgiven in XXXX and yet here we are still dealing with this same nonsense and buffoonery as I still dish out hundreds of dollars a month that I shouldnt have to pay. Its criminal.
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account name XXXX  XXXX  XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX  XXXX  XXXX  XXXX XXXX account # - XXXX has violated my rights. 

15 U.S.C. 1681section 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 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Transunion credit report in XXXX XXXX 2020 and noticed a hard on my report which I did not authorize. I had then contacted Transunion about this matter but due to the pandemic was not able to get a response. 

The inquiry for - XXXX XXXX XXXX  on the XX/XX/2020 I contacted TransUnion to have this removed but they did not respond.
Consumer complaint received 2021-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (MI)

I had an auto loan closed out before the maturity date, without notice and sent to a 3rd party collections. I was unaware and made regular payments to the finance company until I was made aware. Subsequently I paid a settlement debt to the 3rd party. It has been since XX/XX/XXXX since I had made to settlement and still have not had the account closed, even after providing proof of the settlement. No date is set for the closing nor I can not get a straight answer when I will recieve the title in my name
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AL)

I submitted an inquiry about buying a puppy from XXXX. Received an email, decided to purchase puppy for {$650.00}. Was sent an invoice and asked to send payment via zelle.  Sent payment, recieved an actual confirmation with a website and tracking number, but was also told another {$900.00} " refundable '' amount was needed to ship the puppy in a ventilation crate. First invoice stated all inclusive. They wanted the money sent to them via zelle again, but I would receive the refund cash upon safe delivery of the puppy. I refused to send them the money, since I couldn't get a response and explanation from the shipping company. Now I get no reponse from the company, zelle has no fraud protection and I've lost {$650.00}.
Consumer complaint received 2019-08-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (FL)

My mother opened an automatic roll over certificate of deposit with XXXX XXXX in XXXX  for $XXXX with a 5.21% interest rate, the bank was bought out by suntrust. Suntrust has record that the cd went dormant in XXXX but can not tell me what happened to the money because the account is so old the money was not sent to the state lost funds. I have the original cd
Consumer complaint received 2022-02-16
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. (VA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Business Checking account with them back in XXXX and now I'm supposed to receive a {$500.00} bonus. I already submitted a complain here earlier ( XXXX ) and Citi responded finally that they need my EIN number, even though I already provided the W9 with it back in XXXX when I opened the account in Branch. I went back to the Citi branch and filled out the W9 last week. They asked I put my SSN, so i did and then they called back saying they need my EIN number instead. So i had to go back in again to fill it out wtih my EIN this time. In the letter I received from corporate ( attached ), it says to call Citi after doing so and they will pay out the bonus. The investigation done weeks ago already said i qualified for the bonus according to the letter. So i called back again, and after being hung up on the first time without saying a word, i spoke with someone who then transferred me twice, i finally spoke with a rep named XXXX XXXX employee # XXXX ) and he kept telling me to go back into the branch again, even though the letter says to call the business line after i submit my XXXX. He said he couldn't read the same letter i received, but insisted that they couldn't assist me with the investigation. SO i went to the branch again and they told me he was wrong, and I had to call in. So now i'm stuck again and have been waiting months for this bonus that i was promised. I call and they say to go in branch, and i go in branch and they say to call. 

They respond to my CFPB complaints saying to send them my completed W9, so I have sent them twice via email but I get no response. I've been waiting for almost a month now and no response. When I call they say that there is nothing they can do.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CA)

American Express supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to American Express which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.
Consumer complaint received 2022-07-06
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)

Recently reviewed my credit file. I noticed some accounts that were investigated and deleted from XXXX. Experian and XXXX has not provided any debt validation or method of verification used to validate debt. 

below XXXX XXXX XXXX