davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, American Express. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1.  Verification of debt 2. Verification of authorization to collect debt on behalf of American Express 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with American Express attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact American Express and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted American Express to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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 2021-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc (OH)

I sent in a verification letter XXXX21. The company has yet to verify my debt or send me any type of verification that this is my debt. It is now XX/XX/21 and I have yet to receive any letters in the mail.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc. (FL)

I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.
Consumer complaint received 2021-07-06
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)

I am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX  XXXX XXXX. I never authorized the inquiry. 
I have been refused any and all supporting documentation so that I can find the cause of the inquiry. 
I have been refused the IP address of the computer used. 
I have been refused a copy of the application
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (SC)

Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.
Consumer complaint received 2021-07-06
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 sending to you the request to remove the accounts which are not mine. I do not know these accounts and I do not recognize them at all. I have no idea how they appeared in my profile. So Delete them please
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Budget Planners of South Florida, Inc (MA)

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I  received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the National Budget Planners and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX National Budget Planners sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Consumer complaint received 2017-11-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my report.
Consumer complaint received 2016-03-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I have been in a, Short Sale process with Dietch ( formerly Green Tree ) and XXXX since XX/XX/XXXX.The lenders have delayed making a decision on the process. I can not no longer afford to remain in the home, due to a financial hardship due to living on a fixed income, health issues, expensive medical care, treatments and high cost of medications. Additionally, Major home and auto repairs are contributing to me suffering a financial hardship trying to keep the home. I have live in the home for over 13 years, at the time that the home was purchased I was working. I retired in XX/XX/XXXX. My income decreased from {$78000.00} annually to less than $ XXXX.My income can not keep up with the cost to maintain the home. The home is XXXX levels, my health is deteriorating making it difficult to walk up the steps.I have provided both lenders with continuous documentation since, requesting the XXXX XXXX have complied with all documentation requests from the, lenders. I have submitted all information accurately and timely since XX/XX/XXXX.Ditech and XXXX continue to delay making a decision on my case. Both lenders frequently misplace submitted documents and claim that they did not receive them and that my application is incomplete due to missing documents. I have a team which consist of a Facilitator, a Realtor and a Law Firm who are representing me. The team reviews every document that I complete, prior to submitting them to the lenders for accurate, information. I am bombarded with multiple letter weekly claiming that they did not receive the document and states that my request is denied due to incomplete information. IF have been asked to send the same information in repeatedly. They continue to claim that the documents have expired and that I need to updated the same information that I have been submitting all the time. I have not been provided with any justification for the long delay and lack of decision. I have always submitted and honored all request from the lenders. 
I am fully aware of the severe fine that the FTC and the CFPB levied against Green Tree XX/XX/XXXX for mistreating customers. I feel that the lenders are treating me unfairly. I need your assistance with investigating my case to find out why the lenders do not come to a decision on my Short Sale request.
Consumer complaint received 2021-11-03
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)

I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent. 
XXXX XXXX ( {$66.00} ) # XXXX Inquiries : Equifax Mortgage Servi XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax Mortgage Servi XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXXbecause of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Two years ago I changed my checking account to avoid fees. At the time of this change, it was suggested by the bank employee I open a second savings account. I did so and was not aware the account would be subject to fees if the balance reached a certain level. As I NEVER used this account, I did not pay attention to fees being levied until I started receiving low balance alerts a couple months ago. When I finally reviewed the account, I found I had been charged a monthly {$12.00} account fee for eleven ( 11 ) months : total {$130.00}. 
Today, I contacted the bank as I was out of country for a period. The agent offered to reimburse me for six months of fees at 75 %. This resulted in a credit of {$52.00} ( I 'm not sure of the math on this ). The account is now closed. 
By my calculation, I overpaid {$130.00} in unnecessary fees. Less the {$52.00} credit, I am out {$75.00}, thus this complaint/claim.
Consumer complaint received 2015-05-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (MD)

This complaint is about Susquehanna Bank. On XXXX XXXX, I opened a checking account with Susquehanna. At that time, I DID order checks, as is usually the case when opening a new account. Ten days later and AFTER emailing the branch manager ( who did open and receive the emails ) I learned that the checks had never been ordered. I called the branch manager who did not return my calls. I called the region manager who failed to return my calls or emails and who could not be found by her staff. I called the VP of retail operations and he said that he would take care of it. Then he called back and said that he was closing my account immediately on XXXX XXXX. He claimed that I had worked my way up the chain of command and he did not accept that. 

I expect the account to be reopened, checks to be sent to me and my debit card to be reactivated. I should note that my SSA deposit is due to be made on XXXX XXXX and the account must be open to accept it. The Retail operations VP ( XXXX ) refused. I have had to pay an attorney to contact The banks general counsel who failed to respond to his calls and emails. I also contacted the President, XXXX XXXX and his superiors at BB & T which is acquiring the bank. No response I should note that I am XXXX under the ADA.
Consumer complaint received 2021-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 35 days, so they should be erased immediately.
Consumer complaint received 2017-11-22
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: Diversified Consultants, Inc. (FL)

There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
Consumer complaint received 2018-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer.

In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct.

Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request.

I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.