davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir or Madam of the CFPB, As of XX/XX/XXXX I have submitted multiple requests to TransUnion requesting the removal of inaccurate public records on my credit report. 

On XX/XX/XXXX, TransUnion admits to using a third party to me on their recorded line yet refused to provide me with the data furnisher information to correct and have these two public records deleted that are inaccurate.

The CSR for TransUnion clearly stated that they do not/ did not verify the information of the tax lien and bankruptcy record with any court nor the court TranUnion has listed as the data furnisher. 

Without such information and TransUnions refusal to provide such information, I am unable to correct the errors and continue to suffer. 

TransUnion is not in compliance with NCAP as it relates to these 2 public records appearing on my credit report.

TransUnion has refused to provide contact information for their third party data furnisher after requesting how the two records were verified. This is in violation of the FCRA. 

I have personally spoken to both Court Clerks for each respective erroneous public record entry and confirmed with the Clerks office they DO NOT VERIFY Public records to ANY credit bureau. My personal information, including my address and SSN are not in their records. 

Please investigate and assist in resolving the matter.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (IL)

1. Delta Management began calling me at my work number, demanding I provide PII ( personal identifying information ). I repeatedly refused, as they would not provide their purpose or authorization to possess such information. Later I went to their website, and seeing they are a debt collector, I feared I must have been a victim of identity theft or mistaken identity. 

2. Delta Management faxed my employer, demanding they confirm salary information for a XXXX XXXX. 

3. Delta continued calling me at my work number. I avoided their calls, but read up on how to handle debt collectors. My credit report is clean, which implied I was n't the victim of identity theft. I froze my credit. I am certain I have no delinquent debt ( all reported debt on my credit statement is as expected ). 

3. Finally, I called back the number they left and recorded our call. They said they would not continue to call me. 

4. A month later, Delta sent my employer a letter demanding they garnish my wages. This time they reveal the SSN and address of the debtor. The SSN and address are not and never were mine.
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Acceptance Co., LLC (MO)

I have tryed to tell them need payment moved to a different date in comes due with insurance payment making it hard to keep paid on time and also I have told them I get income once a month low income disiabitly and they will not work with that been fighting with them about this over a year and now late charges and its high interest rate to start with they refuse to work with me and they call my phone every day and all hours I ca n't deal with telling them every time they call XXXX XXXX XXXX is high interest its unreal never again will I have some though them and they refuse to work with a person I been paying for over 3 years now and hope to have it paid off in the next 8 months if they stop adding to it
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.
Consumer complaint received 2017-12-21
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. (MO)

XXXX Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX. 

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My complaint is with Freedom Mortgage, XXXX XXXX XXXX, XXXX, Ind XXXX ; the mgr. of the Tax Dept is XXXX XXXX. The first problem arose when {$930.00} was required monthly as the escrow payment. The total annual property tax for XXXX is {$8200.00}. The monthly amount should be {$690.00} in 12 monthly increments. Instead, Freedom requires an additional {$230.00}. When we questioned the excess amount, Freedom said they were assuming a large tax increase in XXXX. This assumption conflicts with California law which limits an increase to 2 %. The assessor analyzes property values each year and adjusts the tax bill up or down based on this analysis done between XXXX and XXXX. 
Currently there is {$9200.00} of our money in that escrow account. The extra {$230.00} over six months will be {$1400.00}. We did not want an escrow account as we are able to pay any property tax and did so with other mortgages, paying directly with no deliquencies. Freedom does not allow us to manage the property tax payments although they are doing a poor job and failed to pay the taxes on time. We sent a fax to Freedom with the tax bill in XXXX and asked that the entire amount be paid. Customer Care provided the fax number. The fax was addressed to the Tax Dept. The County tax office confirmed this week that the tax was unpaid and delinquent with a penalty assessed. A call to Customer Care revealed that the fax was buried somewhere in the files and was not forwarded to the Tax Dept. We want the escrow account terminated given the incompetent management. Calling Customer Care is useless as each time you get a different person. We were told to send the tax bill but were not given the correct fax number. Freedom does not issue guidelines for tax bill payment and apparently does not track tax information on the County website where the tax bill, including the Secured Supplemental Tax Bill is  displayed. This is a flawed system that does not work for the consumer. That impound account belongs to us and we are capable of handling the tax bills. Please help us out of this nightmare. There is no benefit to us from this arrangement.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (NY)

I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC. (TX)

On XXXX XXXX, 2017, I opened a Credit Card with XXXX XXXX XXXX that is funded by XXXX XXXX, XXXX for {$1300.00}. I experienced economic hardship immediately after opening this account. The credit card company was not willing to work with me at all. I called numerous times to no avail in establishing some type of agreement due to my economic hardship. I am currently still experiencing economic hardship and this company still does not wish to work with me on my situation.
Consumer complaint received 2017-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

FRADULANT CLAIMS OF SECURITES FRAUD, DUEL TRACKING, ROBO-SIGNING, CONSPIRACY TO COMMIT A VIOLATION OF VIOLATION, CALIFORNIA FALSE CLAIMS ACT. 
FROM XXXX OUR PROPERTY XXXX XXXX XXXX XXXX XXXX CA. XXXX WAS SUBJECT TO CRIMINAL INTENT TO DEFRAUD REGULATIONS AND SECURITIES OF OUR CONTRACTED PROPERTY XXXX # XXXX RECORDING FARDULANT DOCUMENTS AND CLAIMS IN THE XXXX XXXX RECORDERS OFFICE AND THE SECURITES EXCHANGE OFFICE WITH FALSE NOTICES OF DEFAULTS FOR INSURANCE CLAIMS.FALSE CLAIMS OF TRUSTEES DEED UPON SALE WITH XXXX DIFFERANT TRUSSEE 'S CLAIMING THE SAME PROPERTY AT THE SAME TIME OF FRAUDULANT SALE. 
OUR PROPERTY WAS PURCHASE IN XXXX AND A FULL RECONVANCE FROM OCWEN AND XXXX WAS RECIEVED IN XXXX ONLY TO HAVE A PROPERTY SOLD FROM UNDERNEATH US BY OCWEN, WHO CLAIMS TO BE OUR SERVICER FOR OUR MORTGAGE WHICH OCWEN ENTERED INTO A PURCHASE AGREEMNET IN XXXX FOR BOTH THE XXXX AND XXXX LIEN ON PROPERTY IN WHICH WE ENTERED INNTO A  MODIFICATION AGREEMNET WITH XXXX XXXX AND XXXX BANK, WHICH OCWEN TOOK OVER IN XXXX ONLY TO HAVE OUR HOME OF 23 YEARS STOLEN FROM US. 
DOCUMEENTS OF INTEREST # '' XXXX XXXX XXXX XXXX XXXX FALSE TRUSTEE DEED # XXXX XXXX FRADULANT ASSIGNMENTS # XXXX, XXXX XXXX XXXX WE ARE DEMAANDING A FULL INVESTIGATION ON OUR SECURITIES FRAUD CLAIMS, WITH CRIMINAL INTENT FROM OCWEN XXXX XXXX AND XXXX, AND THE XXXX XXXX AFFILATES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX AND ATTORNEYS WHO FALSIFIED CHANGE OF TITLE AND CALIFORNIA FALSE CLAIMS ACT.AND DAMGES FOR VICTIMIZING OUR FAMILY AND PROPERTY.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion has been provided a copy from XXXX 's showing there was no money owed before they did half the update to this account. First they had a balance owed and showing a Charge off. 

There was no charge off as stated on my credit report XXXX/XXXX/2017 File Number # XXXX that was mailed to me there should be no charge off first you had an amount owed now its a charge off there no where on the letter that show nothing that Transunion has showing There was no charge off as Transunion has showing I 'm also filing with the FTC about your information and updating accounts right after proof has been sent to Transunion
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NH)

I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.
Consumer complaint received 2017-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (ME)

Provident Funding recently became the servicer for the mortgage that was transferred from original lender who was XXXX XXXX.

Provident Funding has committed a slew of unfair and deceptive practices in loan servicing, debt collection, and credit reporting that affected me and most likely other homeowners nationwide.

Provident Funding has maintained incorrect and inaccurate information.

Provident Funding has failed to correct inaccurate information in a timely manner.

Provident Funding claims to have sent numerous notices, however the mailing address is not correct and therefore the notices were not received.

Provident Funding claims they have called and left numerous messages, however the telephone number is not correct and therefore the messages were not received.

The mortgage was paid every month on time and funds were deducted from the checking account automatically and transferred to pay the mortgage on the last day of each month. Provident Funding failed to transfer money that was paid to the account.

As a result of these unfair and deceptive practices in debt collection, the company has furnished credit reporting agencies with customer information it knew was inaccurate, and failed to correct inaccurate information in a timely manner and assessed a late fee of {$49.00}.
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

I opened a loan with Santander XXXX XXXX, I put 8k dollars down on a $ 13k car and noticed that my interest and payments were never reflected on my account correctly. Due to an illness I was out of work and struggling to make my payments. Santander repossessed my car several times making me pay large sums of money in order to get vehicle back that never went towards the balance owed on the vehicle. My interest rate was set at 28 % for a XXXX vehicle. The last time it was repossessed in XXXX they sold the vehicle at the auction. I am still being told that I have a balance of {$5200.00}. I owed a little over 7500 dollars at the time of repossession and the vehicle was sold for XXXX XXXX XXXX value of $ 4k. I feel like my balance would be less but it seems to be increasing every month. I have attempted to settle with them to have my account rectified or settle in order to clear my credit and to purchase another vehicle but have had no success. I would like my account information and payments, interest etc to be checked for accuracy and then i would like my account updated and would like to settle with Santander for the amount remaining.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. 

They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.
Consumer complaint received 2017-10-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Twice this year I had a " mixed file '' issue with another person resulting in a sudden drop in my XXXX XXXX. I was told that " further research '' was needed to prevent the issue from happening again and that I should have been contacted after the first case. I have received no correspondence regarding the root cause of the issue.
Consumer complaint received 2017-12-21
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: HONOR FINANCE, LLC (FL)

The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX XXXX the report was incomplete from only 1 Credit Reporting Agency and that is XXXX XXXX. The XXXX XXXX report has NO information regarding my auto loan on which I have been paying, out of my personal ( singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however XXXX XXXX seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX Varable C. The finance company, Honor Finance, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of XXXX XXXX, including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XXXX and XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.