davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.
Consumer complaint received 2022-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. 

During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. 

I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a typed dispute letter to Transunion, for verification on an item on my report and information on the person they spoke with to verify information. They sent me back a letter to say that it was illegible but clearly it was a typed and also typed in a way that a person could read it. I did not submit to e-oscar verification or any other electronic method of verification so I am unsure how a clearly typed letter is illegible.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX b ( permissible purposes ) read that XXXX XXXX XXXX read all of it On XXXX XXXX National Credit Systems added a balance of {$4400.00} from the apartment complex called XXXX XXXX XXXX The amount was from a lease of a deceased individual in relation to me. I was just a tenant in the apartment. This company did not have my permission to put this on my credit report.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES (AZ)

XX/XX/XXXX we started looking for a new house. We found a model and an area that we wanted. 
We put money down, did paperwork, and everything else that 's required to get a home loan. 
The rest of the nightmare is listed in the attached Buying house.txt file along with XXXX other PDF files.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have requested, on multiple occasions, XXXX things from Portfolio Recovery. XXXX. To contact me outside of my work hours. I have verbally requested that this company contact me after XXXX XXXX XXXX as I am at work and can not risk losing my job for taking these calls. XXXX. To provide actual proof that I owe this debt. I am requesting proof of everything affiliated with this account. How was this debt obtained? Online application? In person application? Were there payments made? I need all of the account history, so I may proceed properly. 

I was called early this morning and when I advised the representative of my repeated asking of having them call after XXXX, i wad told well call another time. Again, i told the representative XXXX that anytime before XXXX is not a good time to call me. She agaIn repeated they will call at another time. When I mentioned the FDCPA, the representative disconnected the call for some reason?
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXXXXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXXXXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was renting a property and one of the applicants sent me a {$500.00} deposit through XXXX to my Bank of America checking account on XX/XX/2021. However he changed his mind and I agreed to return his {$500.00} and sent {$500.00} back to him on XX/XX/XXXX after seeing the fund was securely settled in my bank. However on XX/XX/XXXX the original {$500.00} from the XX/XX/XXXX transaction was taken away from my bank account without any authorization or notification. I called BoA customer service and they admitted there was a XXXX transfer error on that period of time for fund coming from XXXX XXXX but they refused to take the responsibility but asked me to get the money back from the sender by myself. All they did was filing a fraud claim but later it was denied by themselves. They pushed the responsibility to the sender and they only " helped '' to contact the other party as a " COURTESY ''. I was able to reach to the sender but the guy said he didn't see the fund reversing back and stopped responding to me. GREAT! Where is my {$500.00} that disappeared from my bank? Now BoA denied the claim and all they did was blame to their business partner XXXX and blame to the sender. The corporation who admitted their system error refused to take the responsibility. Taking money away from their customer without agreement is clearly a contract breach.
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I have been receiving calls and collection statements from XXXX XXXX XXXX. I paid this debt in a settlement in XXXX 2015. I have disputed the debt with the credit bureaus but They continue to call me and to collect on the debt.
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Himy name is XXXX XXXX XXXXI have a problem some one used my information to order phone 's and to get credit card online form the bank 's ... I have XXXX opened accountsI do n't no who opened ..please can you help meI have a prove for the stautoin the prove issince XXXX/XXXX/2012 until nowI 'm not in America. I XXXX out since 2012. Please I need help
Consumer complaint received 2022-06-09
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (WI)

Observed on my credit report a company that is trying to collect a debt from me that I did not sign any kind of contract with, and have never received any kind of notification from them and also says the debt was charged off/sold to another company. This collection on my credit report is keeping my score low and is not correct
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

We have XXXX business bank accounts with TD Bank. TD Bank Account # XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX, XXXX and TD Bank Account # XXXX for XXXX XXXX XXXX XXXX. I have personally visited the bank on XXXX occasions, called them on recorded lines at least XXXX XXXX and sent XXXX emails including a written official letter. We were told someone name " XXXX '' in their XXXX XXXX Department is investigating our accounts which were frozen on XX/XX/2024. Subsequently, I visited the bank and called on numerous occasions which I was informed XXXX wires were in question and given dates. I called both clients ( with wires in question ) they were both happy with our company, so I drafted a letter on XX/XX/2024, with the clients ' names, phone numbers and exact wires and emailed XXXX XXXX. Since then, I have received no written or oral correspondence from anyone at TD Bank. So, on XX/XX/2024 I called XXXX XXXX who was very rude to me and literally almost challenge me to a face-to-face fight to come to her bank branch. So, I wrote a written complaint to her and yet no response. I followed up with another call on XX/XX/2024 on XXXX ( Fraud Dept ) I was promised it would be resolved by XX/XX/2024 and I would receive a call. I have not received XXXX written or verbal response.
Consumer complaint received 2022-07-19
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: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-06-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc. (FL)

i have been contacted on numerous occasions by NCB Management Services about a debt that i am unaware of. I have requested that they verify the alleged debt through a letter to me per FDCPA guidelines. I have requested they cease contact with me or anyone else by phone until they provide verification of the legitimacy of the alleged debt. As of this date they have continued to contact me and family at work and home at all times of the night demanding that i pay this debt. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. NCB refuses to provide basic information needed to verify that this debt is even real. I received phone calls from multiple people from XXXX telling me that they are going to notify law enforcement about this debt ( which is both impossible and a violation of FDCPA ). The tactics employed by NCB are both predatory and illegal. Please help in resolving this matter expeditiously so this company is not allowed to continue to operate under false pretenses and unprofessionally.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc. (NY)

Collection Agency submitted invalid debt to credit reporting bureaus but there was no prior contact with me and no ability to dispute. 

I contacted the company once I found it on my credit report and asked for validation of debt. " XXXX '' told me that their company did not usually send out letters or anything in the mail and that is was my responsibility to verify it myself.
Consumer complaint received 2022-07-19
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MO)

My Verizon Visa Card with Synchrony Bank on 3 monthly bills over the last 12 months has tried to charge me late fees and interest by sending my bill at the very last moment. On the first time I called them, and the person I talked to convinced me to send the minimum payment through my computer. I do not like doing this. I keep as little financial things on my computer. He told me I needed to send my payment by mail at least 7 days before due date. I told him we get our mail late in the day and mail it out the next day because they send their statement so close to the due date, and this payment was sent 10 days before the due date. XXXX or 4 days after sending the electronic payment they sent me an email saying they had received my payment the same day I sent the minimum payment. The second time I sent my payment by mail and they finally sent an email that my payment had been received 3 days after I noticed it in my bank statement. The last time ( bill due date XX/XX/2024 ) we received the statement in our mail on XX/XX/2024 ( see XXXX informed delivery attachment ). We sent the payment on XX/XX/2024 ( can not show photo of check because the use ARC, see attachment of bill ). On our XX/XX/2024 bill they charged me a {$30.00} late fee, and {$14.00} interest. When I called them ( XX/XX/2024 ) their automatic phone system removed the late fee. I then ask for an operator. talking to him he said that the auto system had removed the late fee, but they could not remove the interest. He said If I mail my payment in I should allow at lest 7 days. I told him they had sent my bill late and I had sent it in 8 days before due date. I then ask to speak to his supervisor. He refused. Later that day I made a second call and spoke to a woman ( with chickens in the background crowing ) and she transferred me to another woman. she apologized and said they would remove the {$14.00} interest charge. As of XX/XX/2024 the {$14.00} charge is still on my account. Synchrony Bank uses the ARC system on my payments because they get their money faster. If the ARC system is so much faster why has it taken as much as 15 days for the check to clear? I checked my records and my payment on other credit cards that do not use ARC only take 6 to 10 days. Again I ask that the interest charge be removed because Synchrony Bank does not give me time to pay my bill. If they do this to me how many other customers are the doing the same thing? Is this a ploy to increase profits? Send your bill earlier, or change the due date.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I discovered that my mortgage servicing company records indicate that I am ahead in mortgage payments. I never intended to " pay ahead '' but have paid money in excess of the minimum payment to be allocated against principal. I requested an audit of the account and for an accounting of payments made and the allocation of those payments since the servicing company bought the account from the original lender in order to validate that payments have been properly applied. They state that an accounting was sent to me and charged {$5.00} for this service ; however, no accounting has been received. I have requested the information be emailed to me. I have called on multiple occasions and written via the website internal messaging feature. To date, I have not received the information sought. My account information on the company website shows only minimum payments received and applied to the account. The website provides only the last XXXX months of payment information, despite a feature that purports to provide XXXX months of information. I want more than XXXX months of information but do not know exactly when they took over the loan. When I call, their automated answering mechanism does not recognize my SSN which sends me into circular query until I have exhausted all attempts. After this time wasting exercise in patience, I am connected to a human who indicates my SSN is properly associated with the account. I have notified the company XXXX of this problem. The customer service representatives are clearly reading a script, are not helpful, and refuse to transfer me to supervisory personnel.