davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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. (GA)

On XX/XX/2023 I made a dispute with Experian because I paid off a debt that was very old ( XXXX  XXXX XXXX XXXX ) & was bought by several debt collection companies. I finally paid it off through XXXX XXXX XXXX & I have proof of the account being paid off. It was another debt collector ( XXXX XXXX ) on my report with the same dollar amount/account ( {$420.00} ) & Experian had no problem deleting that off my report! And I have proof of that. So why won't they delete the account listed under " XXXX ''. I'm really trying my best to fix/clean my credit up but it's kind of hard when then these Credit Reporting Agencies won't comply with your disputes ... .even when you have evidence of the account being paid!!! Can you please help me. Thank you.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (ID)

I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. 

On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. 

This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. 

Thank you for reviewing this matter.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Alliance One, Inc. (CA)

XX/XX/2014 Ordered $ XXXX {$31000.00} Alliance one harrasment made me go to XXXX   and i got my credit XXXX.

Single dad XXXX XXXX children Oh wage garnishment
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. When I checked my report as usual, I was surprised to see unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the inquiries remained. I urgently request a thorough review of my documents to prevent this from happening again.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by XXXX. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : Experian and XXXX both report the last update as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while XXXX and Experian has the same. 
XXXX. Comments : o Experian : Charged off as bad debt. 
o XXXX : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : Experian and XXXX both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the Experian report but is correctly listed as {$5600.00} on both the XXXX and XXXX reports. 
XXXX CREDIT LIMIT : for XXXX XXXX reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how Experian should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (MD)

My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (NC)

Good afternoon, I need to know my rights concerning receiving statements concerning my mortgage. My mortgage was transferred to another company starting in XX/XX/XXXX. However we were on a repayment plan and made the final payment to the prior mortgage holder and they did not take the payment they sent it back. So we contacted the new mortgage holder to ask what to do and they could not tell us anything, so they sent a packet with 3 months of payment slips to mail in with our payment for which we did and did not receive any statements at all and still havent received any. So I called to get the loan number to make my additional payments and that was when I was told we were placed in Loss Mitigation and of course I was shocked and informed them that we did not have any clue of this, so of course we talked to the old lender and was told if we made a payment of XXXX on XX/XX/XXXX then our account would be current of course when we called to make that payment we were told that we are still 2 months behind. Still no statement, so then we were told that we could do yet another repayment plan but of course when we called to set that up we were told we could not. So my question were they not suppose to send us statements, how else are we suppose to know our status. Also I was told they put a stop of some sort on the statements and that did not make any sense to me. If so what are our rights?
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (FL)

I paid this debt off in the amount of XXXX on the XX/XX/XXXX this year. The debt was removed from my credit report on the XX/XX/XXXX of the same month ; today the debt reappeared on my credit report in the amount of XXXX. It has been more than thirty days and this should be reported as paid. I have yet to be sent my initial promissory note, last bill statement, and receipt for payment.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (WA)

The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety  and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I paid the debt on XX/XX/XXXX and received an email from the company. I am waiting on a Satisfaction of Judgement to be filed. It is now XX/XX/XXXX and I have called several times and left messages each time for the representative XXXX and have not received a call back. I want a satisfaction of judgement to be filed within a reasonable amount of time. I settled with the collector for under what I owed but I paid them so it doesnt matter the amount.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.
Consumer complaint received 2018-05-10
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 — Problem with personal statement of dispute
Company: LEXISNEXIS (IA)

I have a discharged bankruptcy which was filed XX/XX/XXXX thru the Federal Bankruptcy court in XXXX, IA. I have called XXXX and filed a dispute to remove the item off of my credit report on XX/XX/XXXX since it has been over 7 years of being discharged. They directed me to contact the Federal Bankruptcy Court in XXXX to tell them to stop reporting to XXXX of the matter and they said they were not reporting to XXXX and informed me that XXXX is not a Federal agency, that they are getting their information from a 3rd party vendor who reports public information. I called XXXX on this information and they told me they would file a dispute. 
I received information on the completed dispute from XXXX on XX/XX/XXXX stating they have updated my information, they are not removing the bankruptcy from my file until the year XX/XX/XXXX. Why do they get to choose this? When I filed for Chapter XXXX bankruptcy my lawyer said the bankruptcy could be removed after 7 year of my filing. XXXX is using the 3rd party vendor LexisNexis who provide public information. Why is it up to a public record company to determine my credit? My FICO score reflects this bankruptcy which has been discharged and the Federal Bankruptcy Court in XXXX told me they agree it should be taken off, they are not reporting it to XXXX, however they will not contact XXXX since they do not work with non Federal agencies. Lenders and employers look at credit scores and history to determine the kind of person I am and I do not believe I am the same person I am today as I was 7+ years ago. I do not think this should be legal to have a credit agency reporting negative information on my credit file if the place of origin is not reporting it anymore. I have waited and improved my situation and I am still being punished it seems.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.
Consumer complaint received 2018-05-09
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. (IL)

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

The collateral for this loan was in an accident on XXXX/XXXX/16. It was declared a total loss on XXXX and check mailed out on the following day by XXXX. I spoke to WFDS and explained the situation and asked if I would still need to make the XXXX payment and was told that if the money was received by the insurance company I would be fine to not. I called twice weekly asking about the payment when the website was n't updated and was finally told on XXXX/XXXX/16 that they did not, in fact, receive the payment. 

Frantic I told them that I was 7 days away from being 30 days late. They said not to worry, have your insurance company stop the check, issue a new one and overnight it to the following address : XXXX Attn : Wells Fargo Dealer Services XXXX XXXX XXXX - XXXX XXXX Colorado XXXX It was sent the following day ( XXXX ) as XXXX had already picked up from XXXX that day The XXXX checks totaling ~ {$20000.00} were received by WFDS on XXXX at XXXX local time and signed for by XXXX XXXX. 

I called XXXX, XXXX, XXXX asking if they had posted, worried about my credit and was told by XXXX, XXXX and XXXX that it would be fine, and the payments would be posted by the postage date. 

After the weekend, I continued calling, still worried about it not posting and then showing XXXX payments due and was told by XXXX that money, contrary to the original calls, would be a " principal only '' payment and that I was indeed late and our line got disconnected. I called back AGAIN and was told by XXXX that I was ok and it would not be. No one at WFDS is helping or making sense, and I 've worked SO hard to make sure that my credit was perfect after our chapter XXXX. They have now as of XXXX/XXXX/2016 posted it as 30 days delinquent despite being told repeatedly I was fine and had nothing to worry about. 
They have now also put me down as not having insurance, on a totaled car, and are threatening to place insurance at an absurd cost to a car that does n't exist anymore. 

Please help.
Consumer complaint received 2018-04-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (FL)

I am truly in need of your help. World Omni Financial is reporting on my credit report and I do not believe this is correct information. I have disputed this with the bureaus and requested information directly from the company. The bureau has done nothing except indicate they validated the debt and World Omni has not responded to my request for additional information. There was no break down of fees received no payment history nothing. I don't understand why no one is giving me requested information.
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (MI)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I previously received letters in an attempt to collect a medical debt from XXXX XXXX XXXX XXXX. I never entered into an agreement with this company, have never signed a contract to do business with XXXX XXXX XXXX so therefore I do not owe them any monies. I never verbally or in written communication entered into a contract with this company.
Consumer complaint received 2016-08-17
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CT)

Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.