davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

The mortgage company puts their insurance in place even though I have coverage in place. Second year in a row, after going thru their portal they never respond and just place coverage. It is a supplemental policy which in place prior to XX/XX/2022. Yet they still put their own coverage in place via the escrow and will not allow opt out of escrow. I pay for 3 separate buildings on one policy, they fail to even consider it. The charged me {$240.00} this year and {$660.00} last year and would not refund the amount even though I have the coverage.
Consumer complaint received 2024-03-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZuntaFi Corp (WA)

Zuntafi has still not provided competent evidence to substantiate the alleged debt. 

The call between me centers around them providing proper validation, signing, and returning the last XXXX pages of my letter ( the notice of adequate assurance of due performance ). I have not received the unaltered document with the affidavit, as requested by the alleged lender representative. The debt is still not validated with competent evidence. However, Zuntafi erroneously reports the compliance condition code to the consumer reporting agencies, including reporting as delinquent when the alleged debt and account is not validated with competent evidence. I have sent Zuntafi and the lender twice ( first on XX/XX/2023, and XX/XX/2023 ) a non-negotiable notice of adequate assurance of due performance, which has not been signed and returned. Zuntafi has failed to respond to the notice and dishonored the notice. Please see the attachment for the notice of non-negotiable notice of adequate assurance of due performance. 

Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment of yours does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within XXXX ( XXXX ) days, you provide such validation and supporting evidence to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no authority to continue any collection activities.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ORG GC GP BUYER, LLC (NY)

i received a communication by mail from gc services in XX/XX/2016 dates XX/XX/2016 stating they are a debt collection agency and an account with sprint for celluar services is now in collections and transfered to this debt collection agency to collect on XXXX behalf. i mailed back a request asking them to first verify that i owe gc services this money because i had just recieved my last bill in the maila few days after receiving this communication from gc services stating that my bill was due on XX/XX/2016 .how can i owe this bill to XXXX directly and also to a debt collection agency at the same time .i switched from XXXX to XXXX on XX/XX/2016 so it is odd and i dont think this is normal practice that not even a month later before i can even get my final bill in the mail from XXXX my account is already with a collection agaency gc services, especially when the due date on the bill i received from XXXX was the XX/XX/2016 which has not passed before already receiving communication from a third party debt collection agency i sent letters out to the debt collection agency gc services twice requesting the following : 1 ) a valid copy of the original signed contract with the original creditor ; 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) a letter from the original creditor to GC Services Limited Partnership that grants GC Services Limited Partnership the authority to legally collect on the debt ; 4 ) proper and complete written notice concerning the debt ; 5 ) valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party ; and XXXX ) a valid GC Services Limited Partnership collector 's license and the collection agent named XXXX valid collector 's license for the for the state of New york XXXX 
the only thing they have sent me back in return is the bill that i receive in the mail from XXXX and an agreement from XXXX for cellular service. then shortly thereafter my last letter to them on XX/XX/2016 they have not responded to me i was disputing this debt therefore it should have not been reported but they still unfairly reported me to all three credit bureaus as a collection account in XX/XX/2016 .these practices are unfair they blantly ignored my request and spoiled my credit by reporting me to the bureaus. i would like a full investigation as to these practices as i dont feel it was fair and they have broken some rules of the FDCPA.
Consumer complaint received 2016-04-14
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I submitted a debt validation request to Ad Astra Recovery on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that Ad Astra Recovery refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NY)

This is in reference to Case number : XXXX. I have been monitoring when my mortgage statements arrive, and find they arrive, for the following month, prior to the XXXX of the current month. According to TD 's response stating payments made can be credited at their discretion, they are evidently running a scam operation here. If the prior month has been paid, they can at any point prior to the first of the next month, they can direct it to the end of the loan. How can they send a bill you are unable to pay on its arrival for fear of disaster? 
In addition, I suggest requesting the phone records at TD which will show we addressed the issue immediately! and they failed to act. We have been borrowing from our future to get by and to restore our credit over the last nearly 2 yrs. We have put countless hours into this. Ridiculous that the bank ruined us financially and shrugs it off. Nothing in our contract gives them that right. 
Yes, it has taken a long time to address this ; in part because we now spend our lives trying to get by and continue work back to where we were prior to TD Bank 's error. 
In addition, if they are going to continue their insistence it was not an error, again, the phone records and emails will suggest otherwise. And if it was not an " error '', then why did every one of the at least XXXX people we spoke with address it as such? Do they allow false information to be passed to consumers? Or do they train personnel to respond falsely? Do they not monitor these things? 
For our sake and more so the sake of those yet to come, these practices need investigation and resolution! Our health, our financial stability and our future have been negatively impacted.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Global One Arbitration Inc. (AL)

Complain XXXX XXXX XXXX XXXX, XXXX of legal age, with email XXXX, and in my capacity as owner of the policy XXXX with an effective date of XX/XX/2019, as I certify with the document attached to this email, I respectfully appear to expose : That I have come to file a complaint against the company XXXX XXXX investments, XXXX XXXX with address at XXXX XXXX XXXX, XXXX XXXX TX XXXX E.U.A. 

That on XX/XX/2019, the undersigned carry out a contract called offset transaction, which had the objective of terminating the contractual rental relationship with reference XXXX, which I attached to this document in format pdf in order to prove my saying. 
From said contract at the point indicated with number 4, a policy that they would have to pay emerges which has as data the policy XXXX, single folio XXXX, document series XXXX, with settlement date XXXX, for an amount of {$7600.00} USD, and which covers the amount of {$310000.00} USD.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC (AR)

I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort. 

Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.
Consumer complaint received 2016-06-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

1. Bank of America Home Loans pays my home owner 's insurance weeks late, triggering a warning of cancelation letter from my insurance company ( likely damaging my credit score ), so they can accumulate interest on the escrow account. 
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2016-08-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC. (MI)

I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Stephen Einstein & Associates, P.C. (NY)

I was a cosigner on a vehicle Auto loan for my brother back and I believe the date was XX/XX/XXXX which the vehicle was repossessed. now a week ago XX/XX/XXXX and receiving notification that I 'm to get a wage garnishment for this vehicle the debt at the time was about {$4000.00} left on the car loan and the garnishment is for {$22000.00}. I called the attorney Steven Einstein and associates Who represents a company that is on the garnishment called XXXX to find out what the debt was in when it was I asked them for documentation and they refused they said they will not make my attorneys job easier by sending me the documentation for the debt. They stated that they have a judgment against me so they do n't have to do anything but collect money at this point I was never served any paperwork for court and had no idea of the date of court. my understanding also at the time was that I was a comaker not the only person on the auto loan which the collection agencies now stating that there is nobody on the XXXX except for me. I believe it does that is over XXXX years old and I do n't understand how they can come after me XXXX years later for that that was n't even really mine in the first place. also how are they allowed to garnish my wages and not prove send any proof of the debt to me
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon checking my credit report I found an account listed in my name ( XXXX ) which I eventually identified as XXXX XXXX reported through XXXX ( XXXX XXXX. XXXX While this account balance was listed as only {$14.00} it was an account that I had never ha with XXXX XXXX. But the account was listed as derogatory/collection/charge off with XXXX missed payments. Account was listed as closed on XXXX XXXX, 2013 but missed payment monthly was being listed consecutively including the current month. I reacted immediately filed a dispute with TransUnion informing them that the account was not mine as well as sending a certified letter to XXXX. TransUnion say they processed the dispute and they marked the account " disputed by consumer meets FCRA '' and continue to report the account exactly as previously stated with same derogatory language. XXXX identified themselves a the reporting agent for XXXX XXXX. Their response was even more gross asking for my social security number and my XXXX digit credit card number after I told them I never had an account with XXXX XXXX ( around and around goes the merry-go-round ). At this point of frustration I have to rely on this Bureau to get results as my efforts are proving futile. All I want is removal from the credit bureaus this erroneous account and a letter of apology from XXXX.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank is terrible credit card company. Stay away!!! 
The calls are answered by people who can not understand English. I have requested that my account be closed already 4 times, yet it is still not done. Only false promises and lies. Every month there is a problem because Fifth Third will not mail me my bill. Also, they are not able to send a notification email that the statement is ready. Impossible to work with. 
I spoke with " XXXX '' and " XXXX '' employee # XXXX in XXXX.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get into with Transunion credit reporting company about identity theft and fraud accounts on my credit report, I have been denied access to my report, and have not been above to talk with someone on the phone these issues either way. I know have a problem what is there problem.