davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, I am having significant trouble   with the customer service of  XXXX   XXXX   XXXX   XXXX   (  "  XXXX  ''  )  and having even more trouble with  XXXX  recognizing my consumer rights.     By way of background,  XXXX  has been reporting a number of false records to my credit report, including but not limited to reporting my living address as " CEASE DESIT  XXXX   XXXX  '' as well as failing to report debts as in dispute - potentially in retaliation for me contacting the CFPB,  OCC,   and other regulators concerning illegal marketing practices of  XXXX      To follow up on my previous concerns,  XXXX  claims that their current submissions to my credit report abide by the Fair Credit Reporting Ac t (  " FCRA '' ) but nothing could be further from the truth. Indeed,  XXXX  has submitted different information concerning loans that look identical to different credit reporting agencies. The records and information submitted to TransUnion and  XXXX  are not only not supported but also conflict with each other - raising serious concerns as to what information  XXXX  is reporting on consumers and what process they use to verify that information.     For my personal situation, TransUnion reports that a  XXXX   XXXX  loan with an amount of {$35000.00} was opened on   XXXX   XXXX   XXXX   However,   XXXX   reports a similar, although not identical loan of {$35000.00} was opened on   XXXX   XXXX   XXXX       I would like to know, why  XXXX  company is reporting similarly looking loans with conflicting information and produce a detailed report of how  XXXX  reports " open dates '' and what information is being reported to credit bureaus. I want to know if the information reported to credit bureaus is backed up with a written and valid consumer contract. As well as  XXXX  to clarify whether these  XXXX  accounts are referencing  XXXX  loan or they are  XXXX  different loans.     The above instance of conflicting information is just  XXXX  example, I would like  XXXX  to clarify why for at least the past 3 years they have reported conflicting and different information to credit reports that do match associated consumer contracts. I have attached a number of screenshots for your review.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (GA)

Received let ter from Harvard Collection  in   XXXX   XXXX    Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in  XXXX  days, never received any response. Was told it was  XXXX  account, credit report is showing  XXXX  accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

In  XXXX , after Hurricane  XXXX  I applied for and granted a forbearance ( Disaster Relief ) by Ocwen. As stated in prior complaints this company is very deceptive, I have been notified by  XXXX  credit reporting agencies that my payments for the  XXXX  months for forbearance are now being reported as 90 days late. This has tremendously brought down my  XXXX   XXXX . I spoke with the Ombudsman from  Ocwen  who assured me, as well as apologized  XXXX  times. That my credit would in no way be effected, these payments would go on the end of my loan. However, this is not the case. It has also been reported that they were late payments made in  XXXX  and  XXXX  that are not true,  Ocwen  said these should have been removed in  XXXX . Looks like that was another lie. I am suffering from   XXXX   XXXX   and the undue stress of their practices is wearing on me. I think Ocwen needs to understand everyone is not going to stand for their bad practices.     I would like this resolved ASAP, as I look for another mortgage company to service my needs.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX    XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Consumer complaint received 2018-02-14
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the XXXX point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

Equifax systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. Equifax rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. XXXX XXXX XXXX XXXX neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
Consumer complaint received 2017-04-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient will not provide to me their criteria for Cosigner Release . I am looking for specifics on which credit criteria they use and what ranges are acceptable ( e.g., debt-to-income ratio  40-50 % ).    I 'm specifically interested in what, if any, ranges  Navient uses to approve Cosigner Release in the following   categories : Debt-to-income, utilization, payment history, derogatory marks, age of credit history, total accounts and credit inquiries.     I want to be able to make an educated decision and avoid an unnecessary hard inquiry on my credit, which is why I am requesting this information be released to me. This way, if I 'm not going to meet the credit criteria, I can apply in the future when I am eligible rather than wasting everyone 's time.     I submitted an email through their correspondence system on Wednesday,  XXXX   XXXX  requesting this information. On Thursday,  XXXX   XXXX ,  XXXX  from their Office of Customer Advocate reached me by phone. First, she claimed such criteria did not exist. Then she acknowledged it did exist but that there was no way she could give it to me. Seeing no further cooperation from her office, I told her I 'd be seeking regulatory relief through CPFB and my Attorney General.   That call was recorded - if necessary or helpful, I authorize the release of that phone call on my behalf for use in this complaint.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

On  XXXX / XXXX / XXXX  I sent a certified letter to Diversified Consultant,  XXXX    XXXX   XXXX    XXXX   XXXX  FL  XXXX  regarding  XXXX   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of that I want to inform that the same debt was already dispute with  XXXX   XXXX  and fully deleted on  XXXX / XXXX / XXXX
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

XXXX   XXXX  card : I am putting my complaint first and the wording from  XXXX   XXXX   XXXX  . The whole miles program is a scam that needs to be STOPPED. They do not count miles or even care how long your flight is. They giv e 1-7 CENTS for every dollar charged,    but usually 1c.
Example from below- 30,000 mil  es ( the earth is  XXXX  miles around ) should give you a ticket around the globe right? Nope its {$300.00}.     How is this not intentionally misleading? Classic bait and switch meant intentionally to mislead with an image   of one thing while saying something completely false.
I have no hope that our corrupt " Protection Bureau '' will do anything but bury this since they had to approve it in the first place, but it is wrong   ; and a lie ; and should be illegal.   Maybe this will get posted someplace and it will help someone out.     Bogus offer below- Welcome Bonus Offer : Earn  XXXX  bonus miles after spending {$1000.00} in eligible purchases on your new Card in the first 3 months2 Plus, earn a {$50.00} statement credit after you make   a Delta purchase with your new Card in the first 3 months3 Pile up the miles : Earn up to 7 miles per dollar spent on Delta flights purchased directly with Delta on your Card- that 's 2 miles with your Card and up to 5 additional miles4 as a SkyMiles member.
Earn 1 mile for every eligible dollar spent on purchases with no mileage cap 5 Earn    unlimited miles miles do n't expire!
Consumer complaint received 2024-11-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (IN)

I received a bill from a debt collector who's not true because I was using my line 4 years from now. This company XXXX sent a bill for me after I switched back to my company that I left before ( XXXX XXXX  ). This bill of {$390.00} in not correct, because customer don't have to pay to switch it's not law. 
They continue to billing me after I switched, when they call me I explained them that I already switched with XXXX XXXX why they keep charging and send bill at my address. They take all the note and told me that they not gon na send me any bill no more because everything was clear and dispute with their customer service line. 
Now they sent me in collaboration with that bill who are not true. Maury Cobb Attorney at law LLC is the debt collector for that case.
Consumer complaint received 2017-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been dealing w/ XXXX , Transunion and   XXXX    for the last  XXXX  months regarding  XXXX  accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX , Transunion and  XXXX  advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XX/XX/XXXX . Transunion,   XXXX    continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
Consumer complaint received 2017-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I mailed a  Multiply Inquiry  Removal Letter  On   XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquires, that were being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request submitted included  XXXX  hard inquires that were not factual and I received the same response for all inquiries, which was " Inquires are a factual record of file of access. If you believe this was unauthorized, please contact creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response  XXXX  days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I requested TransUnion to verify and send proof of verification of an charged off account that is reporting on my credit report back in  XXXX  of this year. My results ended in verified and meets FCRA requirements but I did not receive the paperwork or verification in which they used to verify this account. They also re-aged the account that was to fall off my report  XXXX  to stay on until   XXXX  , Reaging of an account is against FCRA requirements. Section  623 ( 5  ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.     I would like to have this account removed from my credit report as they have violated so many FCRA requirements of my credit report, I also would like a UPDATED credit report reflecting that the account has been removed.
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (MD)

I keep getting phones from  Delta Management , foreign man : who calls just about everyday, home number, cell number and work number. I ask him who he is representing, cause I do n't owe anything to  Delta Management , but he refuse to say until I verify my personal information with him. I refuse to verify my information, cause once again ; I do n't know who he is representing. Also, I have had some of my social media ( facebook friends ) call me or text me to tell them that this man has been calling them to ask about me and my personal information. He would ask them where I work, where I live and do I have any other phones number to be contacted on. I do n't even see these people or talk to them on a regular basis and I felt bad that he has bothered them. So I did put a fraud report on facebook for this company.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX I filed an Online Dispute on Transunion website disputing an address that appears on my report that I have never lived at and have never used for any purposes. 

On XXXX Transunion sent me a notice stating that Dispute had been completed and the address was not removed and the the source of the address was not revealed to me. 

XXXX I sent letter to Transunion ( see attached copy ) demanding to get the source of how they verified the incorrect address. It is my understanding that Transunion had 15 days after receiving my letter to send me how they verified the address and the source of the address and they have not done that.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

A ) Around XX/XX/XXXX, I opened a Santander checking account # XXXX in response to a Santander Bank promotion that if a customer opens a checking account, sets up a direct deposit and makes two bill payments ; the bank pays the customer {$20.00} each month. I complied with the requirements set forth by the bank until they ended their promotional offer in XX/XX/XXXX. 
B ) On or before XX/XX/XXXX I did two things : 1 ) requested Santander by email to close my checking account, and 2 ) since they could not close the account with an email I called their toll free line XXXX to request that my checking account be closed. 
C ) On my end, I cancelled my direct deposit, paid off any outstanding balances if I owed any ; and considered my checking accounts closed. I also knew that if the account was still open, I would have seen bank charges for non-activity. When I stopped receiving monthly statements and all bank communications it was a clear indication that my Santander account was closed. 
D ) From XX/XX/XXXX to XX/XX/XXXX, Santander led me to believe that my accounts were closed. Up until a week and a half ago I started receiving harassing robo calls and letters from Santander collecting {$170.00} in fees. I asked myself why am I getting these fees now if the account was supposedly closed in XX/XX/XXXX? 
E ) After investigating the matter, I found out that my other bank had incorrectly requested a wire from Santander and since there was no funds on it, the initial {$35.00} non sufficient fee snowballed into {$170.00}. I would gladly pay the amount if I erred on my end, but since Santander did not do what I had requested two years ago why am I responsible for these fees? 
F ) Santander knowingly kept the account open to extort fees. How many of their customers have requested their accounts closed but kept the accounts open so Santander bank can charge these fees?

G ) The harassment that I have been receiving daily from Santander Bank 's collection practices such as robo calls, letters and postcards to remind me I owe Santander {$170.00} and the fees are just accumulating. 
H ) I tried to contact Santander but they make it difficult for the consumer to communicate with a medium like an email that provides an audit trail of the discussion.
Consumer complaint received 2018-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

Carrington MS has never provide me with a a copy of their policies and procedures as a transferred mortgage which originated with XXXX XXXX XXXX to Carrington MS in XX/XX/XXXX I have never been given in writing what their policy is on blocking mortgage payments so the homeowner can become current. 

In addition, I have never been notified in the mail or received a phone call from Carrington MS that they needed to speak to me or that there was a risk of foreclosure. I made two payments in XX/XX/XXXX and they were not rejected. I did not realize there was a problem until my payments were returned that I sent through XXXX XXXX on XX/XX/XXXX Carrington Mortgage never sent me a letter of explanation of refusal of payments and I did not find out until I received mail of XX/XX/XXXX Lastly, the amount of the late fees have fluctuated over the months have been increasing with unknown fees still being claimed to be from my previous mortgage servicer, XXXX XXXX XXXX being added which was suppose to have been resolved previously in a closed case in XX/XX/XXXX.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  two letters, one fax, an d called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX   XXXX  , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There are numerous addresses and employers that are incorrect on my report. I have asked tha t they be removed so that all of my credit reports match. I have sent in two letters, one fax,  and called once and nothing has been changed.     The only address that should appear :  XXXX   XXXX   XXXX   XXXX , Ky  XXXX  The only Employer that should be listed is : The  XXXX   XXXX   XXXX   My Name is  XXXX   XXXX   XXXX  my name was legally changed due to marriage on  XXXX / XXXX /  XXXX  .
Consumer complaint received 2018-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like TransUnion to have a copy of my identity theft report along with my ID and Social Security number and I would also like an extended fraud alert place on my credit file for the next seven years. I would like TransUnion to remove a collection account ( XXXX XXXX XXXX ) that I have included in my identity theft report that is fraud. 

Thank you for Transunion time out to look into my credit file.