davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IL)

on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. 

On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. 

Thank you XXXX XXXX
Consumer complaint received 2019-12-16
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. (FL)

PLEASE FIND THE ATTACHED DOCUMENT WITH THIS DISPUTE. PLEASE REMOVE ME OFF THE DISPUTED ACCOUNT FOR I AM NOT THE OWNER OF THE ACCOUNT. IT HAS BEEN AFFECTING MY CREDIT AND I WOULD LIKE TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TX)

Complaint # XXXX Equifax Responded back to XXXX saying account ( XXXX XXXX, amount {$4400.00} ) is no longer reporting to my credit report. After investigating the account wasn't removed and still reporting, theyre violating my FCRA rights and law. 
I request to this account be removed from my credit immediately. 
There has not being any response, notification, letter or phone call to correct this from Equifax. 

Account was disputed with Equifax on XX/XX/2022, no responsefor more than 30days. By FCRA laws they need to deleted from credit report. They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

PAID IN FULL XX/XX/year> UCC Section 3-311 entitled Accord & Satisfaction by Use of Instrument states that a debt is discharged if a debtor gives a check to a creditor " in good faith, '' the amount of the debt is " unliquidated or subject to a bona fide dispute '' and the markings on the check or transmittal letter contain a " conspicuous statement '' that the check is in tendered as full satisfaction of the claim. [ 1 ] A debtor is entirely discharged from the remaining balance if a creditor deposits a check that is marked " Final Payment '' or " Payment of Account in Full '' in the memorandum line or in the endorsement space. [ 2 ]
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

I had started a streamline refinance back in XX/XX/XXXX and have been rescheduled 3 times for various reasons. Everytime I have gotten a date as the date approaches who ever I e been dealing with disappears into thin air and the closing date comes and goes and I'm left with no answers.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX  XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2021-08-31
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: Rocket Mortgage, LLC (FL)

I did not authorize this company to pull my credit. I have asked Rocket Mortgage, LLC, XXXX and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Rocket Mortgage LLC Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX and Fico XXXX These reports and scores are UNAVAILABLE to the public - can not even buy them - and yet somehow these credit reporting agencies ( all of them ) and FHA, Credit unions, mortgage companies etc., are allowed to use them when we apply for anything. 
ARE YOU KIDDING ME...? 
This is WRONG, dehumanizing for people like me, just starting out, and busting my XXXX to get my score high enough to qualify for anything. Now this?? I don't care if all the reports I have read that this was made " public '' ( not ) in XXXX as they are just now starting to use it. 
WHY CAN'T I GET A COPY OF A REPORT AND ALL MY SCORES ( and I do mean ALL of them ) when it is MY financial life these people are messing with! 
Currently you have Transunion, XXXX and XXXX blocking people from getting their reports/scores for NO reason other than a typo. They are also using antiquated systems and demanding that consumers send sensitive information through postal mail! Really?! Why not secured online documentation capture? XXXX XXXX has been using it for quite a long time. Then when you FINALLY get a report with no score ( cuz you have to buy it ) you can not dispute anything online, so there goes another 2-3 weeks. In this day and age that is unacceptable.
Consumer complaint received 2021-08-31
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: CBC Companies, Inc. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX and Factual Data to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I had previously filed a complaint against Resurgent Capital LP. I was alleging that Resurgent Capital created a fake debt to scam me into paying it. Resurgent replied to my complaints with documents they claimed proved the debt was valid and was mine. The documents resurgent Capital Supplied to validate this debt they claimed came from the original creditor which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  prior to filing the complaint to inquire about the alleged debts.XXXX XXXX XXXX  sent me a letter saying they had no knowledge of this debt. I lost that letter so I contacted them again and again requested they supply me with information about this credit card I allegedly applied for, received and used, XXXX XXXX XXXX replied to my request and sent me the enclosed letter. ( see attachment XXXX XXXX XXXX  removal ). In this letter XXXX XXXX XXXX  themselves verify that I never applied for, received or used this alleged credit card. The account that Resurgent Capital Is claiming that I defaulted on with XXXX XXXX XXXX  ends in XXXX. ( See attached Resurgent Reply CFPB, ). XXXX XXXX XXXX themselves have verified that this account ( ending in XXXX ) that Resurgent Capital made up to scam me into paying {$800.00} is not my account. They ( XXXX XXXX XXXX  ) have validated my claim that I never applied for, Used or received this fake credit card that Resurgent Capital made up to scam me out of money. Please verify the letter with XXXX XXXX XXXX  if you dont believe it is Genuine. I never had a credit card with XXXX XXXX XXXX  in 2016. I do currently have a credit card ( Unsecured ) with XXXX XXXX XXXX  that is in good standing. I request that Resurgent Capital remove their trade line from my credit report and stop any and all collection efforts against me for this fake debt.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 30 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX Date of Last Activity I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion XXXX XXXX XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (CA)

I Have tryed for mouths to get credit bureau to remove inaccurate info of my record, I have submitted documentation of my Identity theft, with police reports, and they have failed to remove accounts, addresses, inquiries that are not mine..
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX placed a hard credit inquiry on my credit report without my consent. I was pricing wireless plans on XXXX XXXX XXXX 's website and provided information such as my address, current phone number, and date of birth. I did not provide my full social security number and did not complete the checkout process, accept any terms, sign any contracts, or agree to have a hard inquiry placed on my credit report. I contacted Experian about this to dispute the report, and they told me that they were unable to do anything and that I would have to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX using the phone number provided by Experian, which routed me to XXXX XXXX XXXX 's identity theft department. An automated system answered the call and placed me on hold for over an hour before a representative answered and stated they had no record of an application under my name and they were unable to help me. The representative transferred me to another department, who said that they were unable to remove the inquiry, and then transferred me to customer service, who also said they were unable to remove the inquiry.
Consumer complaint received 2019-01-31
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: CREDIT ACCEPTANCE CORPORATION (OH)

Payments on my five year loan are not documented correctly. The five year loan began in XX/XX/XXXX and would end in XX/XX/XXXX. I missed three payments that I was told I could make up at the end of the loan period extending the loan three months which ended XX/XX/XXXX. The three payments were missed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Credit Acceptance Corporation shows on our credit report that we made 25 % of our payments late, Instead of showing three missed payments respectively. We never made 25 % of our payments late. For every month in XX/XX/XXXX it shows that we are 30-90 says late including the three extended months. Credit Acceptance sent me a document showing all months that payments were made on time. In addition, the document shows that the last three extended payments were made on time. Never on the credit report does it state three payments were missed and made up at the end of the loan period. The credit report states inaccurately that we made 25 % of our payments late, which would be after the XXXX of every month. Attached is the payment record from Credit Acceptance showing the dates of each payment. Credit Acceptance says XXXX  are responsible for the errors. Thank you.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (IL)

XX/XX/XXXX I took out a loan online at Prosper.com. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number three times on XX/XX/XXXX, and was told that Prosper was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to support@prosper.com to also make them aware of the matter. I received a response from support@prosper.com stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the XXXX number again and once again spoke with XXXX. She reviewed the email that I received from support@prosper.com and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from support@proper.com stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (NY)

here are a list of accounts either closed or collections but I never gave consent nor have I ever signed for any of these accounts 1. XXXX XXXX XXXX {$0.00} XX/XX/XXXX 2. ( DSNB/ MACYS ) DEPARTMENT STORES NATIONAL BANK/MACYS {$0.00} XX/XX/XXXX 3.XXXX {$1500.00} XX/XX/XXXX 4 XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX {$0.00} XX/XX/XXXX