davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NV)

Since XXXX XXXX, XXXX, ditech has messed with my credit. At one point, Ditech took payments and applied them to escrow and therefore making me look late. I have payment history and monthly statements showing I made the payments. They do NOT CARE. On XXXX XXXX from Ditech advised that no notes were documented in my account that referred escrow payments or issues. I was behind now the month of XXXX. She advised that I was never late in XXXX and I told her " funny, you reported me to the credit bureaus 5 times! ". She said she had no documentation of that. Really? 

advised her that the additional personal notes and documentation I have shown that Ditech accidently put payment funds in escrow account instead of applying to my payment on or around XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX ''. XXXX advised me there are lots of records that cant be found since XXXX merged with Ditech. Also, I will mention for documentation purposes, when this merge took place, Ditech was also was not going to honor my home modification through the original lender XXXX. In XXXX, this situation forced me to contact XXXX Nevada XXXX XXXX to have them step in and be sure my modification was accepted and understood that the terms of a loan modification agreement does not change. In XXXX XXXX I received around {$100.00} from the XXXX Ditech XXXX action lawsuit. My credit was also reported that I was delinquent on XXXX and XXXX of that year. 
Ditech has numerous consumer complaints. I am a consumer who makes her house payment and chooses to keep her home. They have caused me headaches and restless nights trying to prepare paperwork for issues in the past, or resolve issues with your customer service representatives who dont care about the customer. 

I ca n't get this issue resolved and I am running in circles. I am now taking this to every social media outlet possible and will also file any and all complaints against them. This is not professional NOR FAIR to us homeowners who make our payments. Ditech Financial should be out of business and taken in for fraud. I also have late charges. For what? I do n't know.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On or about XX/XX/XXXX, Bank of America closed two of my credit card accounts. The first card they closed was opened over 20 years ago and was used and paid in a timely manner. The second card they closed was opened on or about XX/XX/XXXX and was used and paid in a timely manner as well. 

To my knowledge, I did not receive a letter indicating their intent to close these credit card accounts nor the reason for closing these accounts. In XX/XX/XXXX, I called Bank of America to discuss why they closed my accounts. The only information they gave me was that they sent a letter, which I did not receive, and that I had too many open credit card accounts and that my credit score is too low. 

This is unfair because these accounts have been paid at least the minimum amount due monthly by their due date. Most months, I have made extra payments to these cards in order to lower the balance and improve my credit score.
Consumer complaint received 2024-02-01
Product: Credit reporting 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)

I am a victim of fraudulent information reporting and I am filing this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2020-11-26
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: Bread Financial Holdings, Inc. (TX)

XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and comenity bank it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2020, I used my American Express Credit Card to make an appliance purchase that was under my balance by almost {$1000.00} dollars. At that time, the amount was authorized and then would finalize prior to shipping. 

American Express three weeks after the authorization reduced my limit by XXXX XXXX dollars! They cited review of my account, during which my XXXX  credit score jumped 40 points. I have never in my 20 year history with American Express been late or missed a payment! 

This was discriminatory as I am a XXXX XXXX XXXX XXXX and this is not the first time they have taken this action! 

The representative was condescending and insulting to the point where he scoffed and chuckled at the injustice I suffered.
Consumer complaint received 2024-02-01
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have been trying for about a year to get credit for the last 5 years of payments toward Public loan forgiveness program. i have been a XXXX at a XXXX  high school for the last XXXX years. The prior service providers have also had a hand in denying my right to use the Public Forgiveness Program. It started with lies from XXXX XXXX that I did not qualify and could not qualify for the forgiveness program. XXXX XXXX was the next great hurdle ; as they refused to speak to me about the forgiveness program. I was forced to hire a company for {$600.00} dollars to get the paperwork to move into the forgiveness program. It was amazing how XXXX XXXX drug their feet and stop speaking to me and my wife after hiring this company. 

Even after complaining to the Attorney general for the State of XXXX I have only been given credit for 2o months. 

I am willing to provide the full email train of emails with the XXXX Attorney General 's office, if you want the emails. i have several documents that i intend to attach to this complaint. i have not asked for any deferments during the last XXXX years - I have made a payment each and every month as shown by FedLoan 's own records. 

I have presented Fed Loan with Public Service Forgiveness Employment Certification for all employers from XXXX to XXXXt. They have my SSN on them so i do not wish to present them as attachments to this complaint at this time
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-13
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: National Credit Systems,Inc. (NC)

On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-01
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

I need to unfreeze my credit with all three credit services in order to refinance my mortgage. This is a time sensitive process and all three companies promote easy web based freeze and unfreeze procedures. 

However when I try to login to Experian website they do not recognize my login credentials.I suspect they deleted mine and many others credentials in response to security breaches. 

When I follow their procedure for 'forgot username ' they do not recognize my email address so will not send me my my username. When I follow their procedure to resolve this they ask for my social security number and date of birth. When I enter these they say they don't match their records. Good grief, I think I know what these are!!!!! Tried multiple times and there is zero chance I entered them wrong. 

So there is no way to unfreeze my credit online or access my Experian account. 

I called Experian at XXXX I followed the voice response unit instructions to unfreeze my credit entering SSN, PIN, start and stop dates etc but this does not result in unfreezing credit report ... .it only gets you to instructions on how to unfreeze by mail or website. I already tried there website and the mail is not an acceptable solution ... .this process is time sensitive. 

Experian provides no opportunity to speak to a representative to resolve their website login issues and therefore their claim that the consumer can freeze and unfreeze credit reporting easily is false. I tried to resolve this with them on XX/XX/XXXX and XX/XX/XXXX without success.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

I was hired by a friend to perform a project for his company. He failed to pay for 3 months so I started searching online for leads and information how to collect on past due invoices. I was lead to XXXX debt collection and provided my information to speak to someone. I did not know I was signing a contract by providing my information. Upon speaking to the representative over the phone, I was asked to provide supporting documentation of the debt. I did not respond to the email nor did I provide any information. 

The debt collection agency, TSI, followed up with emails asking to provide invoices or any information supporting any claim of not being paid. I immediately responded to two emails stating to stop any collection attempts as I did not authorize anyone to make collection attempts. My emails went unanswered. My friend who hired me is a friend I was working out a plan with to hopefully obtain more work in the future but be paid in advance as opposed to work and be paid later. And now I am getting phone calls, emails and now a letter from an attorney for 50 % of an amount they say they collected for me. Please help.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I contacted LVNV Funding aka Resurgent on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave Resurgent more then 30 days to provide verification of debt and once I  pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (DE)

On XXXX XXXX XXXX I received an alert from XXXX credit alert that an account was placed in collection by Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX , XXXX XXXX phone number XXXX XXXX. The amount of the debt was {$340.00} the original creditor name was XXXX XXXX XXXX. This company failed to notify or contact me pertaining to the debt to allow me the opportunity to dispute the debt, but instead reported to the credit bureau causing a negative impact on my credit score. This is the third company that tried to collect the debt for XXXX with each one sending the debt back to XXXX for validation. XXXX is attempting to charge for debt that I do not know they charge a month in advance for their services I was not at the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX, moved out XX/XX/XXXX. XXXX was supposed to provide me service at my new address XXXX XXXX XXXX XXXX XXXX XXXX, but due to the fact that my daughter had already had service in the home already, they waited intill the day before the install date in XX/XX/XXXX to inform me that they could not install the service for me the day the connection was supposed to take place. XXXX is trying to charge for service that I did not receive. My XXXX account has always been paid up one time and there is no balance owed to XXXX.
Consumer complaint received 2024-02-01
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. (IL)

I asked Experian to investigate an account that appears to be reporting inaccurately. That account is listed as an XXXX under XXXX XXXX XXXX ( {$9600.00} ). This account has been reporting inaccurate information for several months now. Inaccurate open and closing dates, balances, last reporting, and payments disclosed. This account is reporting illegally and disrupting my ability to purchase a home.
Consumer complaint received 2019-06-06
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: Advanced Resolution Services Inc. (CA)

Advanced Resolution Services , Inc., This letter serves as a response to your letter dated XX/XX/XXXX. I have been seriously harmed for false credit account information ARS has provided to credit requestors listed under the section titled Credit Card Unauthorized Use Report Section. I do not recognize these false accounts and they do not belong or have anything to do with me. These accounts are listed below. My credit report was obtained illegally because the companies who viewed it did not have the right to do so, therefore, inquires and/or false accounts can not legally stay on my report per FCRA. 
The FCRA provides legal action against a credit reporting agency, or any other person or entity that violates the law, for negligent or willful noncompliance with the law within two years after discovery of the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Under the FCRA, there are provisions for actual damages, including court costs, attorneys fees, lost wages, and defamation and intentional infliction of emotional distress.

I understand that ARS may not be interested in fixing  inaccuracies because doing so is contrary to what your objectives are ; to satisfy the furnisher of the information ( creditor ). Therefore, I have requested an investigation on ARS, Inc. with the U.S. Consumer Financial Protection Bureau. 

I am requesting you ( ARS ) to investigate the following inaccurate and/or fraudulent accounts and I want them removed by suppression technology ( not blocked ) so that they will not falsely reappear :
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 HSBC Bank USA, N.A Dear HSBC Bank, Basic Checking Account # XXXX HSBC PlatinUM Rewords Card XXXX Select Credit Account # XXXX I opened basic checking account on XXXX XXXX with proper documents and XXXX applied Credit card and XXXX Select credit account. ( Approval letters attached ) I spoke with XXXX XXXX Fraud Security Centre Today Your bank recommended to closer my account due to security concern. 
I am so disappointed provide me hard time opening and closing accounts. I felt this is discrimination. 
Please provide me all details why my account closing even I provided proper documents And also Please removed following my credit inquires on my credit profile at XXXX  XXXX XXXX and XXXX XXXX - Removed my accounts all 3 credit be agencies. 
- Refund my checking account balance Thank You .. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

The first issue is that I closed my account and there is a XXXX balance that they will not return. 
The second issue is that I filed two disputes for products not received, they want to credit my closed account but yet they will not return the current balance. The current disputes are : 1, {$2400.00} - for door purchases, never received the product, order canceled but bill wad paid in full 2 {$120.00} - for door handle purchased, never received the product, order canceled, billed paid in full. 

So, in total this company has been paid {$3800.00} of my money and they will not refund it. When I call them, i get the run around and still my money has not been returned.