davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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: Kimball, Tirey & St. John LLP (CA)

XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with XXXX  that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : " This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact XXXX  and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as Kimbal Trey & St John.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

This new complaint is for Ocwen Loan Servicing only! 
We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. 
Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 
1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 
2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX  XXXX can not legally enforce the Deed of Trust? 
3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 
4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 
5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 
6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX   and placed this mortgage loan into XXXX XXXX XXXX XXXX?
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

This company has sent no validation/ contract showing that I owe {$120.00} despite me requesting it. They have also refused to provide proof that they own this debt and have the right to collect. After speaking directly to the original creditor on XXXX and confirming that I do not owe, it still has not been removed from my credit report.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit. Experian keep saying that they got the information from a third party which is unlawful by FCRA LAWS, their answer has been always the same.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

on XX/XX/2018 Merchant XXXX XXXX XXXX College charged me {$60.00}. This is a billing dispute as this amount was paid in cash. The transaction was initially processed via credit card in person up until the point the chip reader was malfunctioning. The representative stated I could pay in cash since the payment processor was not functioning normally. At this point I agreed to cancel the electronic payment and proceed to pay in cash. As I left the college, I found out I was charged on my statement. I did not authorize this charge and am not responsible for the amount on my billing statement. Witness XXXX XXXX. Claim was denied.
Consumer complaint received 2018-09-12
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: Experian Information Solutions Inc. (SC)

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, XXXX, Experian ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX   yet the bureaus say they verified through XXXX XXXX  and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO EXPERIAN , XXXX  , XXXX 3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT  STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (FL)

I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Experian repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Experian refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Experian repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

I contacted Experian and request a Reinvestigation. Experian stated that a Reinvestigation will not conducted unless additional relevant information to support my claim, which also a violation of Sections 611 ( a ), 616 and 617 of the FCRA, 15 U.S.C. 168 ( a ), 1681n, and 1681o. 
In good faith, I have made all attempt to have the court verified the accurate information to Experian. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Experian have showing negligent and willful failure to reinvestigate the dispute. And continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Please note : This is a very serious matter. The inaccurate item must be properly Reinvestigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

I recently pulled my credit reports and noticed a XXXX account in collections with Convergent collection agency. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
Consumer complaint received 2018-11-13
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. (TX)

Credit bureaus, refuse to correct information after being provided proof Trans Union reporting DOUBLE JEOPARDY XXXX XXXX one they both reporting on my Trans Union report XXXX XXXX XXXX should be remove off of my credit FCRA Section XXXX Accordion from Trans Union Investigation Results File XXXX Date issued : XX/XX/2018 XXXX 's was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

Original date of loan was XX/XX/2018 with the lender being XXXX XXXX XXXX. When I was approved it was for {$500.00}. After the loan was already on the way to my bank I was informed the payoff would be over {$1800.00}. I was furious about the deception of this preditory lenders and tried to return the money. I was informed to bad to late. After some auto electronic drafts against my bank I tried to reach an agreement with the lender. They refused. These lenders prey on the desperate with deceptive practices. 
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Consumer complaint received 2018-11-14
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. (MO)

I called TransUnion on XX/XX/18 to dispute inaccuracies in my credit file. XXXX XXXX XXXX  XXXX reported to TransUnion on XX/XX/18 that my account balance was {$240.00} and my new credit limit is {$1700.00} with a utilization of 14 % and an overall credit card utilization of 22 % but TransUnion displays old information from XX/XX/18, TransUnion currently displays that my XXXX XXXX XXXX  XXXX credit card has a balance of {$560.00} and the old limit of {$750.00}, TransUnion did this out of spite because I am suing them. TransUnion has out dated information in my account to make me look like Im irresponsible with money when in actuality Ive been great with money, I paid my balances down and received a credit limit increase from XXXX XXXX XXXX  XXXX but that is a problem for TransUnion because they intentionally try to make Credit worthy individuals look like theyre irresponsible and less than they are. A supervisor said she would investigate the matter and make it right but I havent heard from her since I first talked to her. Now every time I call the reps hang up in my face. I uploaded my current XXXX XXXX XXXX  statement as irrefutable proof that TransUnion has inaccurate outdated information in my credit file.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.
Consumer complaint received 2018-11-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

A lady impersonating a attorney called my phone and left me a very threatening message i called the number back and she said she was from the XXXX XXXX in California. Stating that I was being sued for fraud for not paying a pay day loan from cash central, and that a sherriff was going to serve me at my job. My loans with Cash Central are paid in full btw. I even have documentation stating that my loans were paid in full. She told me that if I didn't pay them, that I would be served at my job and that all of my bank accounts would be suspended for 10 years. She tried to get {$550.00} from me, saying that if I paid the money by XX/XX/XXXX, that I would not be served and that cash central would drop the lawsuit. Her phone number is ( XXXX ) XXXX and her fax number is ( XXXX ) XXXX.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (MD)

I received a letter from Diversified Consultants, Inc trying to collect on a debt that was discharged in bankruptcy under case # XXXX. I have called XXXX and they said that they saw that the debt was included in my Bankruptcy.
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (FL)

My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter XXXX or payment plan. Or wage earner plan. I have contacted XXXX XXXX   again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
Consumer complaint received 2018-11-13
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: ENCORE CAPITAL GROUP INC. (TX)

Credit bureaus, refuse to correct information after being provided proof XXXX XXXX reporting DOUBLE JEOPARDY XXXX XXXX/XXXX XXXX they both reporting on my XXXX XXXX report XXXX XXXX XXXX should be remove off of my credit FCRA Section 623 Accordion from XXXX XXXX Investigation Results File XXXX Date issued : XX/XX/2018 XXXX XXXX was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good Day, I got an email on XX/XX/2018 from XXXX : Dear XXXX, As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

This is a FREE benefit of your XXXX XXXX membership. We will continue to monitor your credit file daily and ensure that you'll always have an up-to-date snapshot view of your credit. 

Your credit score is refreshed monthly. Make sure you go to the XXXX XXXX every month to check your score and score history. Log in to your account now. 

Thank you for choosing XXXX XXXX. 

Sincerely, TransUnion I created an account after entering personal information, including a credit card number. Credit scores then appeared, along with other information about my credit. On closer examination, I discovered I had been signed up for credit monitoring, for {$19.00} /month, and that the first month had already been billed to my credit card. There was no indication that I would be charged for this service. I called XXXX, and at first, they claimed not to be able to hear me. I finally spoke to XXXX, who, at first, claimed that the first months ' charge could not be refunded. After much negotiation, she promised that the first months ' charge would be refunded, confirmation # XXXX. 

Please encourage TransUnion to make it clear that the service offered by the email costs $ XXXX/month. Please ensure that all charges associated with this matter are refunded to my credit card.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

XXXX XXXX whats called on several different occasions to let them know they were reporting on my credit report Equifax account that I did not open it was fraudulently put on there they will not remove from
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.