davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (FL)

XXXX XXXX XXXX is trying to collect a debt which i do not believe is mine. They have reported this account to the credit bureaus when I have asked them for verifiable proof that this account actually belongs to me. I have asked them proof in form of a contract or some form of binding contract that bears my signature showing I am indeed the person for this account. This company has also failed to respond to my dispute to them. I have sent them 2 letters prior, to which they have not answered me and yet they are still reporting this account. I believe this goes against FCRA guidelines, which you, the CFPB is supposed to enforce.
Consumer complaint received 2020-10-04
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: Experian Information Solutions Inc. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-09-26
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. (IN)

On XX/XX/20 I submitted a request for investigation into XXXX as there are several lines on this trade line between Experian, XXXX  and XXXX  which don't match. Experian responded on XX/XX/20 that they were verified. I then requested on XX/XX/20 that they show me how they verified this information. On XX/XX/20 they sent me a report that told me it had been updated ( this did not answer my question ). So on XX/XX/20 I asked again for Experian to send me any documents to show how they verified this item. Again on XX/XX/20 they send another " Updated '' response and did not address my question. Finally on XX/XX/20 I sent a request which stated " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested ''. For that I received a response on XX/XX/20 which showed the Outcome as Updated. I still have yet to receive a response which shows HOW the information is verified. Per the FCRA 611 ( 6 ) ( B ) ( iii ) I have requested a description of the procedure used to determine the accuracy and completeness of the file on different occasions and have yet to receive the appropriate response. I know that this is an old account and won't make much difference in my credit report, but I was under the impression that the rules were made for everyone to follow.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/2020 I telephoned ( XXXX ) Loan Deport, a mortgage company at approximately XXXX XXXX. I was asking about a refinance on my home. A lady answered and identified herself as XXXX. She further advised that this was a recorded line. I asked to not be recorded. XXXX replied that there was nothing she could and that I would be recorded. I explained that California was a two party consent state for recording via telephone. She again said there was nothing she could do. I asked if it was a requirement for me to give up my right to not be recorded in order to apply for a mortgage from Loan Depot. XXXX replied yes. This is clear discrimination. According to XXXX, if I dont consent to being recorded, I cant get a mortgage from Loan Depot.
Consumer complaint received 2021-02-04
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. (NJ)

This is my last option before I escalate this matter through the legal system. I have been attempting to remove fraudulent accounts from my credit report since XX/XX/2020 and for a process that should take no longer than 30 days, it has been over 240 days and I have neither received any investigation confirmation nor any result notices. The funny thing is, even the inaccurate personal information that was requested to be corrected, hasn't been done so. The fraud accounts are still showing on my report and it seems the bureaus are perfectly fine with violating my rights under the FCRA and the federal law. As stated, this is the last option before a lawsuit option is pursued.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-27
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX XXXX XXXX. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, EXPERIAN has committed additional FRAUD by including these items on my credit report.
Consumer complaint received 2020-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (PA)

We applied for a mortgage refinance with Sofi on XX/XX/2020. After 4 months, we have not closed ( as of XX/XX/XXXX ). 

Throughout the process, Sofi : ( 1 ) Failed to timely respond to questions or provide updates ; ( 2 ) Missed 4 different projected closing dates ; ( 3 ) Caused our credit scores to drop unnecessarily due to excessive credit pulls caused by closing delays ( dates of pulls : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ) ; ( 4 ) Presented erroneous information in the closing disclosures ; ( 5 ) Misrepresented steps taken to process the application.

We have attached a separate timeline of relevant delays and actions.

To summarize : Sofi has taken over four months to process a single refinance, damaged our credit scores through excessive pulls, presented incorrect disclosures, and missed several projected closing dates. Sofi has  been insufficiently responsive and has failed to provide substantive updates.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Card was locked on XX/XX/XXXX. I sent in identity i formation and it was received on the XXXX. I was rold 5 business days to unlock my account. Called back and was told 10 business days. Called back on the tenth and they told be 15 days. Card still not unlocked. Im receiving payments and can't pay my bills.
Consumer complaint received 2020-09-26
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. (CA)

I Have sent multiple rounds of disputes to the creditor XXXX XXXX and also to the 3 bureaus XXXX, Experian, and XXXX with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All Debt Solutions Inc. dba: 1st Class Agency (VT)

Hello, I received debt collection agency stated I owed XXXX XXXX XXXX XXXX, 2020. I checked the box on the debt collection letter to request verifying debt and date. sent with certified mail but returned said refusal pick up. Sent 2nd letter with certified mail as well. Now its appears negative report on my credit history. Did the Debt collection agency violate the law that I requested for verifying debt and details twice still no response as they simply went ahead report to the credit bureau. What shall I do? 


Regards, XX/XX/XXXX
Consumer complaint received 2020-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

Nissan Motor Acceptance is incorrectly reporting to credit bureau my car loan information. My original balance information I purchased car for in the amount of {$23000.00} with monthly payments due {$330.00}. NAMC also reporting inaccurate information that my account is in deferred status on ongoing basis, regardless the fact that monthly payments were made in XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. When I file request for correction their response is totally irrelevant and instead they are writing response regarding lifetime loan history ( which is irrelevant from my current issue ) but avoiding answer to actual issue which is current payment history from XXXX till XX/XX/XXXX and not being in ongoing deferred status. NAMC had option before when there is beyond control circumstances to take advantage of extension where payment is moved to the end of the loan and I have taken this option while struggled either with natural disaster in XXXX and/or medical illness, they always reported those extensions as current to credit agencies, there was not an issue then at all. As of result of COVID 19 and many Government agencies were under lockdown and my employment experienced hardship, NAMC offered extension for my account for the month of XXXX and XX/XX/XXXX. I did appreciated this help and my account was brought to current status in XX/XX/XXXX and I resumed payments as of XX/XX/XXXX paying out of my packet. In their letter to XXXX is confirmed that those payments were made on time, whatever they failed and continue to report correctly to credit agency XXXX as requested and required according to FCRA act. This is causing me hardship with not only for me to move forward with my contracts but also to obtain any credit ( especially auto loan ). I am trying to rebuild my credit also and its crucial that my account is reported accurately. I request that NAMC report original loan amount of {$23000.00} with monthly payments of {$330.00} with current balance of {$6400.00} as well report current payments from XXXX till XX/XX/XXXX and remove Deferred status as this is not accurate. This is really causing me emotional and financial distress. I am hoping that this time someone will look at this issue and help me resolve it once for all.
Consumer complaint received 2020-10-04
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: SLM CORPORATION (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-04
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2023-12-27
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. (ND)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XXXX : {$830.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX CA XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2020-10-04
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-09-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for Capital One credit card. So Capital One Inquiry on XX/XX/2020 is not resulting from my personal action.
Consumer complaint received 2020-10-04
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. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2023-01-06
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. (CT)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.