davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to get the people that work at Transunion to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Navient Solutions, LLC. (NJ)

First off as usual another government XXXX up. There are no categories for what happens. I DO NOT have a student loan yet they call 3 times a week at all hours. This time it was from XXXX. Of course the do not call page doesn't work and I doubt this will help either but go ahead and surprise me. I bet if I threatened some politician I'd get immediate attention but I'm not. I'm begging you to stop these calls. Trace this number, I know you can and lock them all up for harassment. I 's gladly fly to California to testify.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient  ran interest on my student loans while I was still in school because we made a payment on them in the amount of  XXXX  from money that my parents had allocated to my deceased brother 's college fund. Then when I graduated they refused to put me on the Obama pay as you earn program, and instead put me on another repayment program they chose, despite me filing for pay as you ear n three  years in a row. I eventually just refinanced $  XXXX  in student loans with a private company because I knew at least they would n't  XXXX  me over as badly as  Navient.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX Personal Information to Correct : - **Incorrect Date of Birth : ** XXXX - **Employer Listed : ** XXXX - **Incorrect Previous Address : ** XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accounts to Remove : - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections to Remove : - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries to Remove : [ Please list inquiries you would like removed ]
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ARS National Services, Inc. (CO)

A man called looking for my Father, regarding my father 's personal small business. I asked him to clarify and he cursed and hung up on me. 

I called him back and another person answered the phone, she said the company that contacted me was " ARS national services ''. This information took asking for at least 5 minutes what the company was. 

What alarms me is that both persons who answered the phone insisted that the first call was for my Mother, not my father and that it was to discuss her small business. Both of which are lies, my parents do not own small businesses, and in fact my father works within the federal government. This supposed debt collection company is calling the children of alleged debtors under the false pretense of small business. 

I was ultimately transferred to a supervisor who tried to deflect and ultimately used subversive tactics to end the line of inquiry to the original phone call. 

They have also called me on multiple concurrent days at odd hours from several different phone numbers and are generally obscene and hostile.
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Due to marital problems, we have applied for a short sale with Chase bank. I also have an attorney who was retained to help with foreclosure defense. Because of this, Chase will not allow the mitigation company who is negotiating the short sale to discuss the account, even though I have signed an authorization and my attorney has also sent a written, signed letter verifying that they are authorized. Chase has promised the negotiators on more than 15 occasions that they will get a call back from the appropriate department, and no one has ever called them. Since XX/XX/2017 I have submitted 2 different complete applications for assistance and have not once receive a response from Chase. We have gotten their foreclosure attorney involved as well and they have not been any assistance in seeing why Chase will not communicate with anyone about the short sale specifically. I am afraid that I am not getting a good chance at avoiding the foreclosure and we have had a viable offer on this home since XX/XX/2017!
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I have several months of negative reporting for Acct # XXXX from XX/XX/XXXX, which is showing " pays as agreed '' however, it's showing delinquent for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During these time my loan was actually in Deferment/Forbearance status. So this credit reporting is inaccurate and should not be negative on my credit report. I DO NOT want my loans to be removed because of the age of the account, which I need on my credit report for history. 

This same complaint was made in XX/XX/XXXX. Complaint ID # XXXX. Navient responded with, the late/delinquencies were removed for XX/XX/XXXX and XX/XX/XXXX. Also, I spoke with a Navient advocate in XX/XX/XXXX and she also removed the delinquency from XX/XX/XXXX. Now as of XX/XX/XXXX, the delinquency from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is now back on my current Equifax report which caused my score to drop. So very frustrating!!!! 

I called XXXX XXXX customer service number twice and they saw that it was corrected last year. The Navient customer service dept stated, they will have someone call me. I am still waiting. Also, why do I have to keep going through this same thing again. Stressful and depressing.
Consumer complaint received 2018-02-13
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: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Date XX/XX/XXXX On this report Experian has on page 19 under Notices : this address may be perceived as a high risk because it has pertained to a business or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada NV XXXX is now on my report I'm tired of Experian adding things and creating false information as Experian does. Experian does not show on my XX/XX/XXXX this information Report # XXXX this but my XX/XX/XXXX Report shows this. 
I have Requested that also XXXX XXXX XXXX XXXX on Address be Deleted/Removed due to no Number to the apartment to identify the right address. it makes no sense to have a bunch of created address by Experian on my credit file that is no address or correct by Experian. I have hired some one to review these errors and it seems Experian does this on purpose because it was not on the XX/XX/XXXX report but now on XX/XX/XXXX report. 
The person I hired is very aware of this practice by Experian. They keep the past reports as proof to Experian Errors and bad Practices done time after time it seems to be a pattern by Experian.
Consumer complaint received 2018-02-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I submitted a dispute to my credit report to Experian. I received a response in XX/XX/XXXX and, on XX/XX/XXXX, I requested that Experian provide me details about how they had allegedly verified information in that report. I specifically requested information I am entitled to under the Fair Credit Reporting Act such as name and contact information of the person at each creditor who verified the information. I received a notice from Experian that since I had not submitted any new information, they considered the investigation closed.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-02-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

I took a XXXX student ( XXXX ) and XXXX XXXX XXXX ( XXXX ) from XXXX university in XX/XX/XXXX which were both sent to collection agency conserve in XX/XX/XXXX. I fully paid both of these loans through conserve XX/XX/XXXX at the amount of {$8900.00} total and have attached the documents to this email stating I have fully paid both loans and have a balance of {$0.00}. A few months ago, the XXXX student loan that was already paid off was again taken to a different collection agency, XXXX XXXX XXXX. The portal XXXX XXXX showed that the entire payment was put towards the XXXX XXXX XXXX and {$0.00} to the XXXX student loan making it look as if I overpaid one loan and didn't pay at all for the other. I contacted them and XXXX university, as well as conserve who all have said I have a {$0.00} balance and owe {$0.00} and was told this would be taken care of. I logged on to XXXX again and now instead of showing the XXXX student loan is in collections ( it should show " paid in full '', it shows that I owe {$990.00} with a payment of {$40.00} due on XX/XX/XXXX. I called XXXX again and they told me they were contacted by a XXXX university staff member, XXXX XXXX, stating that I still owe this much money toward the XXXX student loan. I again contacted XXXX university 's XXXX 's office and financial aid office and they have said I do not owe any money and my account balance is {$0.00}. i was told to email the documents as well as a description of the issues to the XXXX University treasury to get this straightened out and for XXXX to be contacted to correct this error and show that both loans ( XXXX XXXX and XXXX student have been paid in full, which I did on XX/XX/XXXX, however I have no recieved any response or confirmation that this issue is being taken care of. My credit report now shows a delinquency of a {$990.00} payment that does not exist and I have contacted these three companies numerous times since XX/XX/XXXX and nobody seems to be helping to solve this problem. I have attached the documents of proof from conserve collection agency that both of these loans are paid in full. 

**THE PASSWORD FOR THE DOCUMENT IS : XXXX Thank you, XXXX XXXX Student ID @ XXXX
Consumer complaint received 2018-02-13
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. (CA)

I have been being denied credit for at least the last year and one of the reasons is because of the Transunions credit file they have on file. Particularly 3 accts. XXXX XXXX which they said was opened in XX/XX/XXXX and first became delinquent in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX. That is not my acct is over 7 years old since first delinquent. The next 2 are the XXXX XXXX XXXX. I am o XXXX XXXX   XXXX  XXXX and have been since onset of XX/XX/XXXX. I never paid it and the XXXX XXXX said I didn't have to and trans union will not taske it off despite me sending them documentation contrary to what they are saying not to mention Trans union said they deleted the info on XX/XX/XXXX and  XX/XX/XXXX but when I talked to the supervisor there at transunion he basically said to bad. The loans aren for XXXX and XXXX something and they are saying I have a balance of {$130.00} and {$200.00}. Now y would I pay $ XXXX and not pay {$130.00} and XXXX? I don't owe them and want to fil suit against trans union for slander and or defamation of character..
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (TX)

CAPIO PARTNERS has inserted an account in the amount of {$600.00} representing XXXX XXXX XXXX XXXX. I have never had any business or obligation with XXXX XXXX nor XXXX XXXX XXXX.NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed CAPIO of this status. CAPIO PARTNERS can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. CAPIO PARTNERS has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing this complaint because SPS has violated the law by putting my house in foreclosure while my house is under a review for a Making Hone Affordable modification. SPS is committing a dual tracking federal violation. My rights have been violated and I would like SPS to review the documentation I sent in for the next 60 days. Also, I think that SPS is showing racial bias ( I am a XXXX female w/a hardship ) and I am being denied the right to apply for a loan modification. Please have SPS to stop sending me threatening letters telling me to relocate and move out of my house.
Consumer complaint received 2018-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.