davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (IL)

Consumer Financial Protection Bureau Complaint Department XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB Customer Service Team, I am a victim of ID theft. I am writing to file an immediate complaint with Consumer Financial Protection Bureau to assist me with rectifying the unauthorized account matter as follows. I tried to resolve the matter directly with Omega RMS LLC XXXX XXXX directly and I was not able to get their cooperation. As I discovered that, my personal information was used to open an account at Omega RMS LLC XXXX XXXX. I am certainly not aware and did not open or authorize this account, and I therefore request that it be closed immediately. I also requested that Omega RMS LLC XXXX XXXX absolve me of all charges on the account, and that take all appropriate steps to remove information about this account from my credit files. Im able to see this account being reported on the XXXX  Bureau Report which is enclosed. 

Enclosed is a copy of my Identity Theft Report filed with police dept., and a copy of my credit report showing the fraudulent account related to Omega RMS LLC XXXX XXXX that are the result of identity theft. Also enclosed is a copy of the Federal Trade Commission notice to furnishers of information, which details your responsibilities as an information furnisher to credit reporting companies ( CRCs ). As a furnisher, upon receipt of a consumers written request that encloses an identity theft report, where Omega RMS LLC XXXX XXXX are required to cease furnishing the information resulting from identity theft to any credit reporting company. 

The Notice also specifies responsibilities of when Omega RMS LLC XXXX XXXX receive notice from a CRC, under section 605B of the Fair Credit Reporting Act, that information Omega RMS LLC XXXX XXXX provided to the CRC may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRC and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please consider investigating this above matter, and assist me with unauthorized loan account with Omega RMS LLC XXXX XXXX. and absolve me of all charges. I hope to hear back from you soon regarding my above inquiry to close and permanently remove the unauthorized account shared above with Omega RMS LLC XXXX XXXX on all 3 credit bureau reports. Please reach me at XXXX for any further details. Thank you for your prompt consideration in the above matter and your assistance very much. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (MS)

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.
Consumer complaint received 2021-03-10
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. (PA)

I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX XXXX and XXXX. Please remove all from my credit report.
Consumer complaint received 2021-03-10
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: Resurgent Capital Services L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : 01 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (VA)

On XX/XX/XXXX, I referred a friend for a SoFi banking account based on a promotion where we both would receive {$15.00} and I would receive {$25.00}. 

My friend completed all requires steps of creating a login, opening, and funding the account. However, a referral bonus did not post.

After discussing with an agent, I was told that Sofi decided to end the promotion early and that they were not currently paying out bonuses. I informed the rep that I met the terms before the promotion ended and they were unsure if the promotion would be paid. I was told a complaint would be filed on my behalf but never heard back. Today on XX/XX/XXXX, I reached out to Sofi again and they told me there were no longer any referral records or tickets logged on my account. They appear to have never investigated this issue.
Consumer complaint received 2022-07-06
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc. (IL)

On XX/XX/2022 I applied as was approved for and signed for a loan. At this point, the loan was sent to my school ( XXXX ) for certification ( email attached ) In XX/XX/2022 CommonBond exited the student loan industry. I was concerned that my loan would not be funded given the rising interest rate environment. On XX/XX/2022 I reached out to the company to ensure my loan would be funded. On XX/XX/2022 the company affirmed that since the loan was approved pre-exit it would be funded as soon as my school certified the loan ( email attached ) On XX/XX/2022 my cost of tuition was certified by my school and and I received a " Welcome to the Family '' email from Commonbond ( emails attached ). 

However, upon trying to access my documents on the CommonBond website, I am taken to a page stating they are no longer providing student loans with a link to a partner. 

I reached out to CommonBond for clarification and they not state they are no longer able to disburse my loan even though my school has disbursement dates confirmed in their system ( emails attached ). 

I believe this violates UDAAP regulations as it will cause me substantial harm without funding and with potentially higher costs, I forwent rate shopping based on their approval and more importantly the explicit promise of disbursement, and I was not reasonably able to avoid these injuries due to their assurances
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion shows that I missed a payment in XX/XX/XXXX in the amount of {$540.00}. 

I have disputed this on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time the missed payment is removed but then put back on the next month. 

We have spoken to the bank ( XXXXXXXX XXXX XXXX XXXX ) and they said they are not the ones putting it back on the credit, Transunion is also saying they are not putting it back on my credit. 

Please help!!!!!
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXX XXXX  TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (TX)

This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXX TX XXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXXXXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2018-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (TN)

XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.
Consumer complaint received 2022-12-03
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. (FL)

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit reporting act XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 ( b ) : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-03-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing this XXXX  account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX  and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-04-15
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. (AL)

I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. 

DPT ED/XXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX  {$5000.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXXI {$2300.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-08-23
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. (CT)

The payment status for my loan has been incorrectly reported to the credit agencies Experian and XXXX  and as a result my credit score has gone from Exceptional to Fair. Both show me as 120 days delinquent on the XX/XX/XXXX mortgage payment, even though my mortgage was paid off in XX/XX/XXXX. Note, from XX/XX/XXXX through XX/XX/XXXX I was in forbearance, and was approved to be in forbearance until XX/XX/XXXX. 

Attached are documents from XXXX XXXX confirming my forbearance, and confirming that my loan was paid in full. Note, I had extreme difficulty in closing my loan with XXXX XXXX. The company did not respond to my requests to obtain the title of my apartment ( stock certificate to my coop ) in preparation for closing. I believe it only did so -- 4 months after my initial request -- as a result of my complaint with CFPB. The erroneous reporting of my mortgage status is another example of XXXX XXXX 's gross negligence. 

I am also writing to the three credit agencies to dispute my score. 

Attached documents : -- Compliant to XXXX XXXX ( XXXX documents ) -- Confirmation of forbearance from XXXX XXXX -- Closing documents demonstrating that the loan is closed -- XXXX  & Experian credit reports. I am still trying to get the XXXX  report.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (NY)

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. 
XXXX XXXX XXXX XXXX XXXXXXXX ...., XXXX XXXX XXXX .... has violated my rights. 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
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

All negative accounts on experian report is fraudulent with no proof of ownership.also all 17 inquiries. 
XXXX  is also exploting fraudulent accounts with no proof of ownership.also inquiries.