davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

Dear ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX andXX/XX/XXXX for code of ethics violations.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (NJ)

From : XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX Subject : XXXX : Docket Number- XXXX : - XXXX XXXX ID : XXXX Case Number- XXXX Account value : {$580.00} Late payment costs : {$100.00} Interest cost : {$63.00} Total Debt : {$750.00} Your unpaid debt amount of {$750.00} to XXXX XXXX XXXX ( Speedy Cash ) from today we have passed your case you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible to court. So these legal proceedings were issued on your docket Number XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is all about a payday loan which was borrowed by you from one of our sub payday loan companies. There are so many payday loan websites like XXXX XXXX XXXX, XXXX  XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan. 


As you are aware the above account remains unpaid by you. Despite numerous reminder telephone calls requesting payment of this account but we were unable to reach you by phone so we can send you a final reminder email.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (LA)

I pulled my credit report and notice a account that wasnt mine from XXXX account number XXXX amount {$7900.00} I contacted experian, XXXX and XXXX about this matter I sent in my Identity theft report to experian, XXXX and XXXX and still nothing has been done about this inaccurate account thats not mine reporting on my credit report, which is preventing me from obtaining credit from other creditors I would like this matter resolved immediately
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mobiloans, LLC (CA)

I received a voicemail from ( XXXX ) XXXX " This is XXXX XXXX contacting you in regards to your claim being filed through XXXX county by law have to make you aware that want your claim number as the XXXXXX is file through the county it does become a matter of public record and there is an order for your location since I wasn't able to reach you by phone I have been instructed to contact your employer because it looks like that is going to be your likely place of lactation the store you do have the legal right to contact the office that is processing your claim however you would need to speak to them before your claim is filed once your claim is discharge from their office all of your legal rights will be forfeited the number that will be provided for that office is XXXX again that phone number is XXXX You XXXX legally notified by telephone and you will be located unless I a.m. instructed otherwise I called the number back at XXXX XXXX XXXX claiming to be a " XXXX XXXX XXXX '' They repeated over and over that they are only a third party notifier about legal proceedings. I then informed them that legal proceedings always have paperwork and that I never received paperwork from this " debt collector '' nor this I allow for them to call relatives and harass them. I asked for a website or a business name that I could look up and then the person on the line got rude and did not want to answer any more of my questions. I hung up and got on the FTC website ASAP and filed a claim.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I received a gift card ( Visa Vanilla Gift Card Issued by XXXX XXXX XXXX as a gift and the card was fraudulently used. I approached the company to file a complaint I was told I had to go to the merchant, I spent my time going to the merchant in which the card was fraudulently used at and they refunded the money. I then went to use the card in another attempt and the card had already been used again. The bank is now refusing to help and refund the money again. I have requested a refund and a new account number and been denied even though the current one has been compromised.
Consumer complaint received 2021-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

I had multiple medical collections with RECEIVABLES MANAGEMENT PARTNERS , LLC. 
I set up a payment plan and paid off all my debts with them. They sent me Receipts stating the amount I paid the account number and that it was paid in full and the amount owed XXXX. 
Months later I received a debt collection notice From XXXX XXXX XXXX XXXX XXXX for a medical bill that I paid for through RECEIVABLES MANAGEMENT PARTNERS , LLC. 
So I immediately called them and they assured me I paid that account with them and I told them that I had gotten another collection for the same debt and they had no idea how that was possible and told me it was for sure paid. So I called the XXXX XXXX XXXX XXXX XXXX and gave them the account number and told them that I had a paid in full, XXXX  out Receipt for that specific date and debt. 
After months of having to call them and try and get answers, because go figure the one time you want a collections agency to call you, they dont.

Their explanation took literally months to construct and they have offered zero proof or paper trail of an account not being paid.

I do not feel like Iam responsible for their mistakes. I have my proof of payments and I do not intend to pay for the same account twice.
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (FL)

I called Barclay Bank of Delaware in an attempt to settle the debt. They have it marked that is was included in a bankruptcy. I did not follow through with the bankruptcy. I want this cleared up on my credit report as it is hurting my ability to get through life.
Consumer complaint received 2024-02-12
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NY)

Rocket Mortgage sent a notification of servicing transfer later than required by statute. Thus, the notification was defective ( late ). 

In addition, Rocket Mortgage indicated ( via phone ) that no payments would be marked " late '' for 60 days. However, as of XX/XX/XXXX the new service has provided information in writing that a late fee will be assessed on XX/XX/XXXX. They have not provided a new account number of any other correspondence. 

Because of these defects, the loan transfer should be cancelled and the loan should stay with Quicken Loans.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

XX/XX/XXXX We entered a 60 day escrow ( closing date to be XX/XX/XXXX ) XX/XX/XXXX Completed mortgage application ( jumbo loan ) XX/XX/XXXX Loan Officer Income review completed & contract received XX/XX/XXXX First round of documents requested and uploaded ( in between lots of emails received requesting documents and over 100 documents uploaded ) XXXX Received email " Final items for clear to close '' ( in between MULTIPLE emails requesting MORE documents than the " final items '' originally listed ) XXXX ( final business day before supposed to close ) ; more documents requested and notified that " investor '' requiring an additional $ XXXX in cash reserves, but can't take it out of our business account. " We are XXXX short. can this be gifted to you by a relative? " ; We advised we would sell $ XXXX in stock and asked to run bonuses through company to appease the investor. We were instructed to do it - because of the $ transfer process, we advised that this would take us an additional 3 days past closing date. 
XX/XX/XXXX - 60 DAY CLOSING DATE ( comes and goes ) XX/XX/XXXX we were advised that investor " did not accept '' our reserves and was declining our loan. They advised that they had another investor they could go to, but would need until XX/XX/XXXX to close. 

We contacted our bank and the loan closed in 6 business days. We do not need resolution from Fairway. We have bought and sold many properties involving jumbo loans and believe that this company is not experienced enough in jumbo loans to properly service them.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 was charged a late fee for {$29.00}. I have never been late on this account. I never received the statement via the USPS. I contacted Wells Fargo in writing asking for the fee to be waived. Wells Fargo sent my a huge packet of statements instead and did not address my written request.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

Hello, So here we are again. Every time there is an escrow analysis or change with my account there is an issue. Not to mention the issue is always when the servicer owes me money. 
Han an analysis done XX/XX/XXXX. There was an overage of XXXX dollars. Check was supposedly mailed XX/XX/XXXX from literally XXXX mins away. Today is XX/XX/XXXX and there is still NO check. 
I called them and spoke to a nice young woman that was very sympathetic, and she advised me that I needed to wait 30 days for them to reissue the check. Not only that but I need to call them and request it when 30 days is up. 
This is ridiculous. There is no way it takes 30 days to mail something to somewhere that is in the SAME STATE. 
Perhaps XXXX dollars is not a lot of money to them but when you have XXXX and your hours are reduced for treatments it makes a huge difference. 
I have had nothing but delays whenever I ask for any assistance from this company. It is sad. I am also not interested in why it takes so long, as I know that it is possible to stop and reissue it sooner. Please send me my money. I can not afford to wait another month because XXXX cant figure out how to mail a letter. Also Please don't blame the USPS as I know mail is delayed, but it is not delayed for this long. I suggest guaranteed rate look for a new subservicer. XXXX is terrible. 
Thanks
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DE)

They did not credit the correct amount on my credit report continuing to report an incorrect high balance. 
They changed the High balance- {$80.00} on my credit report in XXXX, they did not include the {$4400.00} plus interest.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

Today, XX/XX/XXXX, I received a phone call from a woman named XXXX regarding midland credit management regarding XXXX Bank. I wanted to work out a plan because they sent me a letter stating they were going to sue me. I already have garnishments coming out of my pay for another debt, I tried to explain to the woman that I just had an emergency move, and I had to come up with so much money to move me and my children that I literally did not have XXXX dollar to my Name, she continued to tell me that I would be sued and unless I made an arrangement, there was nothing she could do. There was no way she could help me. I literally told her I was on the verge of suicide because of these constant threats I understand owing the money, however I can not give something I dont have. I am a single mother with XXXX children, taking care of them alone I have other personal things in life going on one being the emergency move I just had to go through and all of this is very overwhelming. In the past when I had the credit card debt, I was trying to make as many payments as I could towards the credit card but if financially, it got too much for me having XXXX children, there were times at my job or my hours were lowered, so I wasnt making enough money to meet the requirements for everything I had to pay.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-10-30
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. (LA)

THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.
Consumer complaint received 2021-10-30
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. (LA)

THE BALANCE ON MY XXXX  XXXX AND XXXX XXXX  ACCOUNTS IS INCORRECT. I HAVE TRIED TO GET THE INFORMATION UPDATED.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: Source Receivables Management LLC (GA)

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : Source Receivables MNG Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Consumer complaint received 2021-10-30
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. (IN)

On XX/XX/2021, I sent a certified letter to XXXX, XXXX, and Equifax to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the Better Business Bureau, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.