davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Adjustment Service, Inc. (OH)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof of claim that DIVERSIFIED ADJUSTMENTS INC. is a entity that is entitled to enforce a claim against me by law, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, this account has already ben disputed before with a previous Third party collection agency, so during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2018-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing a few items on ALL three credit reports and each time the reporting agencies would send back letters stating the information has been verified. When I, would send these companies letters asking how was the info. verified? I have a collection that is reporting to ALL three agencies by the name of XXXX XXXX. It ALWAYS comes back verified and when I, ask this company for the same information, never received it from the Creditor ( XXXX XXXX ) or the collection agency XXXX. I have sent these three agencies letters asking for them to show me that information that they received to that verified this item but was never supplied it. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I, have documents showing me asking can they investigate this item and prove 100 % that it is true and accurate to be on my reports. This is a violation of the, Credit Bureaus has violated my rights of the FCRA Sec. 604 a, 3. also by not correcting or refusing to do a full investigation after explaining XXXX has different status as to closed acct. and open acct. and had not been properly validated and still was able to be reported to ALL of these reporting agencies.
Consumer complaint received 2018-06-15
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to XXXX  is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX  is {$1200.00} as of XX/XX/XXXX.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, Bank of America closed my business account on XX/XX/year>. But they still hold my fund. I need the fund to run my business. could anyone please help me to get my check as soon as possible? I will be very appreciated.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My mortgage company Nationstar Mortgage. I live in California. My mortgage is currently in default. I have secured the funds to reinstate my loan. I have attempted, and my lender has attempted to get a written breakdown of the costs, fees and payments that need to be made to the mortgage company in order to bring the account current. I have been told that the company will not, on advice from their leagal department, give me the document that I need. Their reason is that in 2008 I had a bankrutcy ( that was discharged ) and that they are " not allowed '' to provide the written document that I need to give to my lender. Meanwhile, the foreclosure sale date is looming. My lender has called and spoken to them, I have called and spoken to them and they simply will not provide the document. I am afraid that they will foreclose even though I have the money and income to make this right. They keep changing my " point of contact person '' even after assurances that they will not. ( I 'm up to XXXX ) The phone number that is on my mortgage statement is a loop that goes nowhere. ( I 've told them this ). My latest mortgage statement was incorrect. This affects the amount that I owe. They keep sending people to my house to see if I still live there, and charging me for it, even though they know that I do and I have kept in consatnt communication with them. They keep denying my requests for modification. The latest reason was that it would affect the potential equity ( I have plenty ) of the home. I am happy to use some of my equity to modify my loan! I put the money down on the property to begin with! I can not provide you with any documentation because it is written and they wo n't give it to me! I need help!
Consumer complaint received 2016-05-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My XXXX XXXX mortgage was purchased by SLS Loan Servicing XXXX/XXXX/XXXX. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well, about 7 months later ( XXXX XXXX ), SLS out of the blue sent my mortgage payment back saying that our balloon was due in full and they were only going to accept full payment of our loan. ( This is after accepting our monthly payments for 5 months after our balloon was due with no correspondence from them at all saying anything was wrong! ) I have been on the phone with them at least 25 times since trying to rectify this situation to no avail. One person actually told me on the phone that the modification/extension letter was sent to me in error. ( what?! ) Another told me that they did n't receive it, this after I mailed it, and faxed it to them twice. Bottom line at this point is that they will not honor it. SLS is now negatively affecting our credit score saying we are behind on our mortgage, and no bank will even talk to us to refinance so I can pay them off and be done with them, since my credit report shows missing payments to them. They are trying to get me to fill out a loan application to start over with them, that says I need modified payments - as if I am in financial trouble. My husband and I do not need modified payments. We can afford our mortgage without their help. I am afraid to fill out anything for them at this point because they do not seem to be on the up and up on anything. When I google the SLS name, XXXX complaints come up all over the internet against them. I do not know where to turn at this point. Each day my credit score goes down ( we were in the high XXXX 's prior to this ). I can not believe in this day and age that a company can get away with something like this. Help!
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

XX/XX/XXXX first filed for collection XX/XX/XXXX judgement awarded XX/XX/XXXX order to appear XX/XX/XXXX hearing scheduled Debt collection company trying to sue for debt older than statue of limitations in the state of Kansas.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to their response on here in regards to my 1st dispute XXXX stated that they 'll remove all the inquiries. Checked my credited report today XXXX/XXXX/2016 none of the inquiries were removed. Contacted TransUnion today and was told my updated credit report was sent to me yesterday on XXXX/XXXX/2016. How did they update my credit report when all the inquiries are still on there. 
When we get a response I want a direct contact name and number because when I contacted TransUnion today they stated that no one has responded to any website in regards to these inquiries being removed.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A record of my Bankruptcy must be erased. My Bankruptcy was submitted in XXXX, and discharged in XXXX. For ten years the record has been maintained on my credit sabotaging my attempts to obtain a loan. It is time to erase the Bankruptcy from my credit file.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the findings of TransUnion Consumer Reporting Agency because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead TransUnion Consumer Reporting Agency supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and E ). 
1. I am disputing the claim of XXXX against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, K, and M ). 
2. XXXX denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and K ). 
3. XXXX denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. TransUnion Consumer Reporting Agency did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. TransUnion Consumer Reporting Agency did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
XXXX. TransUnion Consumer Reporting Agency refused to respond to my request for the details of their investigation ( attachment N ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and E ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

Upon reviewing a XXXX XXXX credit report pulled for the purposes of refinancing my home, I discovered several " new '' entries of supposed trade line disputes. I have successfully had all but XXXX of them removed. ALLY continues to refuse to work with me or prove to me that I initiated a dispute with their company. I have no reason to dispute this account as it is paid on time and has never been late. I did receive a letter of good standing on XXXX/XXXX/XXXX, but it did not specifically state that " the account was not in dispute ''. I have asked repeatedly for these simple words to be added to the letter, so that I can present it to the loan underwriters and continue with the loan process. This action by ALLY violates FCRA in that the company is blatantly reporting false information that is causing me harm. As of XXXX/XXXX/XXXX, XXXX of the XXXX CRAs are still reporting this, I initiated an investigation with XXXX and they quickly removed the erroneous dispute remarks. Both XXXX and XXXX indicate that the Creditor, ALLY is the source of the erroneous information. If it can be cleared up with XXXX, why is it still showing up on XXXX and XXXX?
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I received notification that my home equity line payment was late. I called and spoke to a banker and informed them that I had automatic bill pay which has been in placed for a number of years. The banker told me that for some reason my payment did not get automatically taken out of my account and to avoid late charges did I want to pay over the phone. I indicated that that would be ok. Several hours later my automatic payment went through, as well, causing my checking account to be over drawn.This occurred on a Friday and I was n't informed until Saturday. I was left with no money and had to withdraw from my IRA to cover checks that were being automatically being paid on Monday. I have been informed that the bank will take 10 days to reimburse me my funds which is unacceptable. I want my money put back into my account immediately and refunded any late fees and tax liabilities I am incurring for taking funds out of my IRA. Thank you for your help.