davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have requested my credit report many times from TransUnion. I have sent them everything that they need but they refuse to update my address and send me my credit report. So I am writing this complaint in an effort to obtain my credit report.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

The Ocwen Loan Servicing , LLC company sent me a letter saying that my insurance coverage is insufficient because my " deductible exceeds permitted maximum. '' This is inaccurate. I called and actually they are just trying to sell me THEIR insurance coverage by trying to confuse me into thinking I am insufficiently covered by my present company. The letter also includes " Important Bankruptcy Information '' and says it is a communication from a debit collector. We have ALWAYS been in good standing and have no financial problems. I believe this company is fishing through its customers, threatening them, and trying to get insurance business in an unethical manner.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, 2016 I initiated a dispute with trans union for incorrect dates to my account with the company XXXX so i wanted them to check the dates for this account and instead of them doing so they just deleted record of my account from my file. Since then the amphibious base has reported my car account to them monthly but they deleted it with out doing a proper investigation now when my credit is pulled its as if I do n't even have this account. Trans union needs to get this corrected and added back to my credit report because it is hindering me badly. I am been in contact with the XXXX and they contacted trans Union and it was stated to them that my report is suppressed. I just want my information corrected and trans- union refuses to update my report correctly. this needs to be further investigated as to why they are treating their investigations like this just delete the report so they do n't have to do the work. I have attached a copy of the dispute that i submitted.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them removed.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ERC (CO)

hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. 

I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. 

I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. 

I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. 

Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, N.A. (ME)

On or about XXXX XXXX, 2016, I logged into my Flagstar Bank checking account online. I searched for a way to transfer funds from my Flagstar line of credit to my Flagstar checking account. ( This would have been a draw on my credit line. ) I was unable to find any way to do this online, so I contacted the bank by phone to request a transfer. I was told that I could only draw on my line by writing checks. When I asked why I could not transfer funds into my checking account, I was told that my checking account had been closed and that I would have to open a new checking account in order to access my line of credit. To open the new checking account, I was required to make a {$50.00} deposit from funds outside of Flagstar Bank. On or about XXXX XXXX, 2016, I learned of a third Flagstar Bank checking account in my name, predating the newly established checking account. I contacted Flagstar about this account and spoke with a different representative of the bank. I was told that the third account had been specially established at the same time as the credit line for the express purpose of drawing on the line. This bank representative had no explanation when questioned as to the earlier requirement that I open a whole new checking account. This made me think of the way that XXXX XXXX employees would trick customers into opening unnecessary new accounts. I recently received my first statement for the new checking account, for the period ended XXXX XXXX, 2016. The statement included a {$2.00} " paper statement '' fee. In opening the account, I was never informed of this fee. I believe this to be a deceptive practice, therefore I have contacted the CFPB.
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Armor Systems Corporation (IL)

I called Armor Systems Corp., a debt collector, to inquire about the contact information for XXXX XXXX. XXXX ( the debt holder ) so I may proceed with verifying the actual debt. I spoke with a manager, XXXX XXXX. She refused to give me the contact information for XXXX XXXX, belittled me, used a condescending tone, was nasty, mean spirited, and down right verbally abusive. Her level of unprofessionalism was shocking. Her abusive words brought me to tears. XXXX told me that she " would not give any information until I pay them some money ''. Thousands of people do not have health insurance/coverage in this country. Having medical debt should be handled with care and empathy, not ridicule/judgement or threats.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lazarus Financial Group, Inc.(Closed) (CA)

I WENT THRU SMALL CLAIMS COURT IN XXXX AND SUED THE XXXX FOR THE COST OF DAMAGES OF MY BELONGINGS BEING DESTROYED IN A STORAGE UNIT. THE JUDGEMENT FOR THE ORDER WAS THAT I WAS TO HAVE ACCESS TO GET MY BELONGINGS AND XXXX GROUP WAS NOT TO TRY TO COLLECT ANYTHING FROM ME AS I HAD A XXXX BALANCE. ON OR ABOUT XX/XX/XXXX I RECEIVED A LETTER FROM XXXX STATING THAT I OWED XXXX XXXX. I CALLED XXXX AT LAZARUS XXXX AND EXPLAINED THE SITUATION. I THEN MAILED THE COPY OF THE JUDGEMENT ON XX/XX/2016 AND THEN I NOTICED THAT THE COMPANY PLACED ON MY CREDIT. I TRIED TO REACH THIS COMPANY FOR XXXX WEEKS STRAIGHT AND THE PHONE JUST RANG, I WAS UNABLE TO LEAVE A VOICEMAIL AND NO ONE RESPONDED TO EMAILS. I THEN EMAILED ANOTHER COPY OF JUDGEMENT FROM THE XXXX COURTS ON XX/XX/XXXX. XXXX CONFIRMED RECEIPT AFTER NUMEROUS ATTEMPTS TO REACH THEM ON XX/XX/XXXX AND TOLD ME THAT HE DID N'T BELIEVE THIS JUDGEMENT AND HE HAD TO TO FURTHER RESEARCH AND WOULD NOT REMOVE IT. IT HAS NOT BEEN XXXX AND THIS DEBT IS STILL ON MY CREDIT. I HAVE A LEGAL ORDER THAT I DO NOT OWE THIS COMPANY ANYTHING AS MY ITEMS WERE COMPLETELY DAMAGED AND THEY WAITED XXXX AFTER COURT TO SEND TO COLLECTION AGENCY WHO DOES NOT RESPOND. I AM SEEKING THAT THIS COMPANY REMOVE THIS FROM MY CREDIT AS IT IS NOT VALID AND IS BEING ILLEGALLY REPORTED. I AM A SINGLE MOTHER IN THE PROCESS OF GETTING A HOME AND THIS IS PREVENTING ME MY MAKING MY CREDIT SCORE DROP.I NEVER RECEIVED ANY CORRESPONDENCE AFTER COURT DATE FROM COMPANY SHOWING BALANCE OR ATTEMPT TO COLLECT TO RESOLVE. FIRST LETTER WAS IN XX/XX/XXXX FROM LAZROUS GROUP
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from XXXX.
Consumer complaint received 2017-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (PA)

I have n't received a statement of my account with Volkswagen Credit since XX/XX/XXXX. When I reached out to them online, I received the response below. It appears that because I overpay every month, they think it is n't necessary for them to issue a statement. I have no way of having a monthly record of my payments or knowing my current balance on the loan without a statement. I believe this violates some statute or regulation, since I receive statements on all of my accounts which I overpay. Here is my message to them and their response ( their response is first, my original is below ) : Response on XX/XX/XXXX XXXX CST : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction. 

Thank you for your inquiry. We apologize for the delay in response and appreciate your patience. 

Thank you for your always timely payments! We appreciate your excellent payment history! 

Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. Our records indicate that your account is currently paid in full through XX/XX/2017. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone. 

If you would like us to create and send you manual billing statements, please provide us with the method you would like to receive them ( mail/fax/upload to online account ) and the months that you would like these statements for. 

If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX, XXXX, XXXX. Eastern. 

Sincerely, Volkswagen Credit Customer Care Original Inquiry on XX/XX/XXXX XXXX CST : Why do I not show any statements on this account since XXXX? I 've been making payments, and would like to have statements for every month. Why would those have stopped? Please provide me with all of my statements since XX/XX/XXXX. Thank you. 
Your Follow-up :
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (AZ)

XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

The agent, XXXX XXXX, in dealing with my refinance had greed and confirmed with me several times over, that if I came to closing with {$1700.00} on XXXX XXXX, 2016, I would be able to skip the XXXX XXXX, 2016 payment. I came to closing with the amount requested. I received a statement for the XXXX mortgage payment due. I was also told each time we spoke the conversation may be recorded. I spoke with a supervisor, XXXX to try to get this changed or compensation for this. I was told it was too bad because the loan was closed. I had counted on this {$1800.00} to make an imperative repair on my home. The work was done in XXXX and {$2000.00} due on XXXX XXXX. I would request Carrington postpone this payment to the end of the loan, in order to make good on the verbal agreement that XXXX XXXX made. It seems to me that since he is and inside loan officer, he should know, beyond a shadow of a doubt, when the first payment is due. As an agent of Carrington, the management should backup the verbal agreement made by this agent. I feel this is a customer service issue and financial bind I have been put in, is unreasonable. The extremely tight budget that I am on to make good on this debt for the critical repair on my home, is causing me extreme distress XXXX.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (NM)

Earlier last year after being contacted about an online business opportunity by XXXX XXXX XXXX I ended up paying them. I am unsure exactly how they obtained my information but since that I feel that I have become a target in what has turned out to be a work from home online business scam. I have now paid {$13000.00} in total to these scam companies ( {$8500.00} to XXXX XXXX XXXX ) Between them and their undisclosed partners with absolutely nothing to show for it.So I would like to dispute all charges from XXXX XXXX XXXX done on my Wells Fargo card. They promised to advertise my website so it would increase traffic and sales. All I have got was a few calls from them for a confusing training. I never had any customer visits to my website like they said I would have and did not make a penny either. They did not provide the services that I was led to believe that I paid for. I have been deceptively sold and am formally requesting a refund for the amount paid to them. I tried to resolve directly with them, I sent them certified letters, sent emails and they ignored my requests.I am reaching out to your agency in hopes you can help me get my refund.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been fighting with Transunion for years. They continue claiming they have investigated reported information and determined it to be verified, only to have me come back with proof it 's not mine. They have ruined my life for years because I have a common name and no not follow proper procedures for releasing my credit report or verifying the accuracy of reported information. 
They requested a notarized statement saying inquiries were unauthorized and they 'd remove them, yet they have refused to do so after I have sent it in many times.
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (LA)

On XX/XX/XXXX a debt of {$260.00} appeared on my credit report, the company name convergent outsourcing placed a debt that had already been disputed back in XXXX of 2017 and ultimately deleted on to my experian credit report with no notification or letters that would have given me an opportunity to dispute, deny or pay this debt if I knew anything about it. It is my belief that this collection agency and credit bureau are practicing unfair business practices and I plan to sue both companies if this is not deleted immediately.
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PLANET HOME LENDING, LLC (CO)

XXXX - XXXX, XXXX, CO XXXX closed his refinance on XX/XX/2016. I have attached the original final CD sent to the Title Company XXXX XXXX XXXX XXXX XXXX. It indicates that the client was to receive {$500.00} cash out at closing. The loan did not fund after the 3 day right of recession as the lender, Planet Home Lending indicated that the client was not going to get {$500.00} cash out. According to their Funding Manager, Regional Sales Manager and Account Executive the original final CD was in error and all the client was to get back was {$14.00}. Planet Home Lending said that they never sent the original CD with instructions and that the title company closed the loan on those numbers incorrectly. After days of communication ( phone calls/emails ) between Title - and Planet Home Lending they finally agreed that they had sent the original final CD by the Funding Manager but stated that they would not fund on those numbers and required the client to sign a new CD ( dated XX/XX/2016 ). This was 7 days past funding date. We were told through a conference call that they ( Planet Home Lending ) would send the client a check for {$480.00} on Monday the XX/XX/XXXX. As of today the client has not received their {$500.00} cash out as per the original CD. I believe this is a violation of TRID. 
The title company never received new closing instructions until 7 days after original funding date and with no explanation to either the title company or the client as to why the change. In reviewing the documents it is apparent that Planet Home Lending incorrectly placed the Principal Reduction in the wrong column. 
As the Mortgage Broker for XXXX he is asking for our assistance in receiving what he was promised. Please advise if he is entitled to the original cash out of {$500.00}? 

Attached : XXXX XXXX - acknowledged by client Subsequent CD - dated XX/XX/2016
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Medical Data Systems, Inc. (FL)

Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.
Consumer complaint received 2016-11-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (CA)

On XXXX/XXXX/16 I received a " Collection Notice '' from Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owe an unpaid debt of {$490.00} to XXXX XXXX Bank. I have mailed a letter dated XXXX/XXXX/16 to this company, and to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, stating that this is a fraudulent claim in that I never had any account or financial relationship with XXXX XXXX and owe no such debt. I also never received anything from XXXX XXXX or previously from this collection agency regarding any alleged debt, and the Collection Notice provided no mechanism for refusing the claim.