davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OH)

Notice for Proof of Claim Account : RADIUS GLOBAL SOLUTIONS LLC XXXX BAL XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX that gave you the right to collect this debt.
Consumer complaint received 2020-07-02
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. (PA)

Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT ARE DISCHARGED BANKRUPTCIES THAT ARE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THIS ACCOUNT IS HURTING MY CREDIT TREMENDOUSLY AND I AM REQUESTING IMMEDIATE REMOVAL FROM THE THREE REPORTING CREDIT BUREAUS.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CO)

XXXX XXXX XXXX settled a 5 year old debt with my attorney on XX/XX/XXXX for  {$990.00}. I paid the full amount on XX/XX/XXXX which was within the terms of the settlement offer proposed by this debt collection agency. They then proceeded to garnish my bank account on XX/XX/XXXX for {$1600.00} and there was a fee of {$150.00} from the bank for this garnishment. Between my attorney and myself, we have attempted to contact XXXX XXXX on 6 occasions since I received the letter from my bank. The payment of {$990.00} and the garnishment of {$1600.00} has left me with only {$42.00} in my bank account.
Consumer complaint received 2021-07-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I am nearing the maturity date, and I am unable to re-modify the loan. I am facing three choices : 1. ) Short Sale, 2. ) Refinance, or 3. ) Foreclosure. 

After the death of my husband in XXXX, I was faced with taking over the mortgage for our home. The original lender refused to work out a modification with me because of my lack of income, and as a result, my home landed into foreclosure status. 

After looking for solutions for some time, I was finally able to obtain a loan modification. Of course, I was excited and relieved. My home was finally getting out of foreclosure status. I have been in this house for almost 50 years. My late husband and I created so many memories here along with the XXXX children that we raised. 

I signed the documents for the loan modification agreement on XX/XX/XXXX. I was given the maturity date of XX/XX/XXXX. Five years. Five years seemed like a long time. Of course, Id be in a better situation than I was currently in financially. Or so I thought. So much has transpired in the past 5 years including a global pandemic. So here we are on the brink of the maturity date of XX/XX/XXXX. 

I tried looking into the option of refinancing in XXXX of this year, but I was denied due to my income. So, I submitted a Request for Mortgage Assistance application to the same servicing company that had modified my home back in XXXX. After finally getting all the information to them that they required, it was XX/XX/XXXX. On XX/XX/XXXX, I received notification that I was denied re-modification due to Net Present Value ( NPV ). So here I am, facing the three options mentioned earlier. 

Desperately searching for solutions other than selling or foreclosure ( because I would love to stay in my home ), I was informed by a reliable source that, typically, loan modifications are for the life of the loan. When I signed the loan modification in XXXX for a 5-year term, I did not fully understand that I could have had a modification for the life of the loan. I feel that I was not completely informed of all my options when signing the agreement.
Consumer complaint received 2020-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BC SERVICES, INC. (OH)

I sent a VALIDATION REQUEST dated XX/XX/2020 to XXXX XXXX ( a XXXX XXXX ) located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX which was received on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. the letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay. We also asked for other legal notices required by law. They did not respond to me within the 30 days required by law THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, XXXX, and XXXX credit reporting agencies. To this date XX/XX/XXXX, they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left no other choice but to file a lawsuit for damages.
Consumer complaint received 2018-06-24
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: EQUIFAX, INC. (FL)

In XX/XX/XXXX I submitted my most recent disputed against a debt listed on my credit report by XXXX XXXX account # XXXX for a repossession that was conducted in the state of Florida in XX/XX/XXXX. I have been disputing this debt via the credit bureaus since approximately XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX finally decided to provide notice to the credit bureaus that the vehicle had been sold around approximately XX/XX/XXXX. They should have updated that information to the credit bureaus in XX/XX/XXXX upon my first dispute with the credit bureau agencies and they did not. I have requested via the credit bureaus that XXXX XXXX provide proof that said vehicle was sold and to verify the amount that the vehicle was sold for. XXXX XXXX since this whole period of dispute began in XX/XX/XXXX hasnt provided proof of sale or purchase amount since the disputes began. Also per the Florida repossession statue 537.012, XXXX XXXX should have provided me or the joint owner with a notice of time, place and date of sale or auction of the vehicle, which they did not. It was not until I began to dispute via the credit bureaus in XX/XX/XXXX that they advised that they sold the vehicle. This XX/XX/XXXX I disputed once more via Equifax requesting that XXXX XXXX  provide proof to me of the amount the vehicle was sold for as well as advised that I wasnt notified of the place and time where vehicle was sold/auctioned and requested proof that. I requested proof that XXXX XXXX notified me of the place and time of the vehicle sale/auction. XXXX XXXX still hasnt provided me with that proof. I find that XXXX XXXX is in violation of the Florida repossession statue 537.012 that states that they must provide the owner/joint owner with time, date and place of sale/auction and due to this statue violation I am requesting that this account be stricken completely from all of my credit files as well as the joint owners credit files.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/13 I initiated an online transfer in the amount of {$2000.00} from my checking account at Suntrust to my checking account with XXXX XXXX XXXX. The transaction posted and debited from my Suntrust account. As of XXXX I have not received the funds in my XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX on XXXX and they had no pending transactions. I also contacted Sutrust and was advised that the transaction failed and the funds were stuck although they removed the funds from my interest bearing checking account on XXXX. They are basically holding my {$2000.00} for no reason. This was money from a direct deposit from my payroll that I am entitled to. I have spent over 2 hours on the phone trying to resolve this. I was advised that they are now releasing the funds.
Consumer complaint received 2018-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (VA)

I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.
Consumer complaint received 2020-11-13
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. (CA)

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus Equifax XXXX  and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Consumer complaint received 2018-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. 

XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. 
XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. 
XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. 
XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. 
I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. 
XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. 
XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. 
XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. 

Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. 

CFPB representative suggested I submit a new complaint for follow up.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

We are trying to link our PNC account to XXXX in order to receive a COVID-19 grant however when doing so we get a message saying that there is a problem with PNC not allowing this to occur. We called PNC and they said the site may not be secure so they are not allowing the link. 

Its the only way we will receive the much needed funds. Please help
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NC)

On XX/XX/2018 I purchased a used vehicle from XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. The purchase included an extended warranty with XXXX XXXX XXXX XXXX for a term of 24 months or 24,000 miles. On XX/XX/2018 the vehicle started presenting issues ( running hot ) and ceased working, and it was towed to XXXX XXXX. XXXX XXXX was unable to repair the vehicle and it was moved to XXXX XXXX. XXXX XXXX ran diagnostics on the vehicle and discovered the vehicle gaskets were nit working and the motor/engine needed to be replaced. An adjustor from XXXX did visit XXXX XXXX to estimate the damage and XXXX refused to honor the signed contract and pay for repairs on the vehicle.
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I started a boat loan in XXXX of 2019 in which the initial loan amount was {$70000.00}. After making ( 20 ) twenty payments of ( {$1000.00} ) XXXX XXXX XXXX  each month the bank states thus far I have paid ( {$6300.00} ) XXXX XXXX, XXXX XXXX and XXXX XXXX in interest to date but they also state my principal balance is currently ( {$58000.00} ) XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Since there has been absolutely no other fees applied to my account during the past twenty months of this loan, my balance should be ( XXXX ) XXXX XXXX, XXXX XXXX XXXX dollars and ninety-three cents [ {$70000.00} - ( {$20000.00} - {$6300.00} ) ]. Despite several calls and/or visits to the bank they refuse to correct this obvious error. Because of this egregious error and the bank 's refusal to correct it, I am paying more interest on this loan because the interest is charged monthly ( APR ) on the remaining balance.
Consumer complaint received 2018-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OH)

On XX/XX/2018, Western Union ( WU ) customer service directed me to write an e-mail to XXXX XXXX XXXX  unit after I called Customer Service. I was asked to call after I received an XXXX code while attempting to send money ( a mere {$60.00} ) to XXXX. The last transaction I attempted to send was also almost blocked, and I was also asked to call customer service and I was told it was for my own protection. To protect me from scams. I thought this issue was all taken care and resolved. 

I am an XXXX, no criminal history, and I would like to be informed me why I as a U.S citizen I am not allowed to transact business with Western Union. 

I've not heard from the XXXX XXXX XXXX, and I've resent the the e-mail and copied Western Union 's  XXXX.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I got a copy of my consumer report and I was so XXXX when I saw what Equifax did to my XXXX XXXX XXXX XXXX, that was in good standing every since I had it. 
The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (CA)

The Chapter XXXX Bankruptcy with the record number XXXX is not my account, I have disputed this and it still remains on all three bureaus of my credit report. I have disputed this bankruptcy multiple times, and have even received letters from the bankruptcy court that I've attached that confirms they can't prove my bankruptcy, but they still remain.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I began with two loans of XXXX and divorced was persuaded by the company to take forbearance which ballooned interest to XXXX, even though I pay my loan it continues to increase dramatically.I have to reapply every year and they increase my payment while interest increases.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (TN)

I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not XXXX  the balance out as I was told but have a balance reporting of {$420.00}