davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc. (GA)

I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.
Consumer complaint received 2020-11-03
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)

MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (CT)

On XX/XX/XXXX I mailed a letter requesting to have items investigated then removed from my credit report. The credit reporting companies have not done thier due diligence to reported back within a 30 day period. I have listed all the items that need to be investigated and removed from my account. The law states : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
I did not ask to just perform a reinvestigation of the items they need to be deleted. The position that the credit reporting agency isn't required to go beyond the original source in ascertaining whether the information is accurate has been rejected by the United States Courts of Appeals for the Fifth and Seventh Circuits. It requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. 
They have deliberately skimmed over and not protect the rights of the consumer. All of these Items are well over the 7 year statute.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MI)

During the height of the COVID pandemic my auto lease with Ally financial was extended on what was supposed to be a lease extension through the COVID crisis. When I spoke with the company they had indicated that nothing was needed on my end to extend the lease. The company had been taking my payments out of our account automatically, but because of the extension during COVID they had terminated this automatic payment deduction without informing us. I had called the company several times after I found that they had reported my lease payments as being late. Due to the fact that we were in the process of buying and selling a home, after repeated lengthy calls with Ally were led to believe that paying the account in full would resolve the negative report against our credit. Even though the account was paid in full, even paying an amount I did not feel was due, the Serious Delinquency against my credit was not removed and it is causing us financial strain and limiting our ability to obtain an affordable mortgage. 

We had been leasing through Ally for 6+ years and never once had a late payment until this confusion and miscommunication they caused during the height of this pandemic.
Consumer complaint received 2020-06-02
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}
Consumer complaint received 2021-12-08
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$440.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

Exeter finance LLC, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX closed this companies profile due to numerous consumer complaints. Not only has Exeter charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (CA)

In XX/XX/2020, I filed a dispute with Experian and they refuse to do an investigation. I do not understand why they are saying this? I have done everything by the book and file things myself, Having to do this again all because they don't want to do their jobs is crazy. I hope you can help me with this matter.
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (FL)

CB/VICSCRT - XXXX CB/VICSCRT - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit
Consumer complaint received 2021-10-21
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. (NV)

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (NJ)

My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, XXXX, and Equifax. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with XXXX and Equifax are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX NJ ).
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (GA)

I purchased a vehicle with VIN # ending in XXXX from XXXX and opted for financing through Bridgecrest. 
My very first payment was due on XX/XX/2021 which was paid via card online on XX/XX/2021. On XX/XX/2021, I received an email stating that I'd missed my payment. I immediately made contact with Bridgecrest via text message. The representative informed me that my payment had been applied to " my previous account ''. I informed her I only had one account. She stated that her manager would be applying the payment accordingly on said date and apologized for the inconvenience. That was an hour long ordeal. As such, I continued to check my account daily and there were no updates. But I was not getting anymore emails and notifications so I presumed it was in process. Then on XX/XX/2021, I received a letter via USPS mail entitled " Notice of Right to Cure and Intent to Repossess '' and dated XX/XX/2021. This letter was demanding payment of the past due amount by XX/XX/2021. I immediately called Bridgecrest and asked for the contact information for their general counsel office. I was told that their General Counsel does not converse with customers. I let her know I didn't want to converse with them either. I just needed to have my attorney send them their paperwork. This representative also made mention of " the other account ''. But she added that it existed because I'd originally had a different vehicle ( same make and model ... different VIN ... which I swapped out for the vehicle currently in my possession ) from XXXX. I informed her that the payment for that vehicle was a totally different amount AND I never signed up for Bridgecrest until long after the swap took place. She claimed to be escalating my call to someone who could assist. The next individual verified all that is stated above and said she needed to contact yet another department and would return my call that day. I still have not heard from anyone and my payment remains misapplied. The current acct # ends in XXXX and is reflecting as past due. The payment was applied to acct ending in XXXX  and was the sole account available on XX/XX/2021. The {$540.00} payment was made, they got their money, and now they want the property back when they have no grounds? Bridgecrest and XXXX are a fraudulent union and need to be investigated from the date they were incorporated.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I previously filed a complaint on Santander Consumer USA for not complying with FCRA regulation in regards to reporting to credit reporting agencies they maintain under my SSN. Although they have provided insufficient information through CFPB, they have failed to respond to additional information I have requested via Certified Mail such as : - Not applying payments to the original amount financed - Incorrectly reporting the terms of the loan agreement to credit reporting agencies - Refusing to change my address on file - Not responding to my request for information in regards to the repossessed automobile I financed with them as per the State of California and UCC 9.506 as well as State RISA and MVISA statutes, as stated : " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemptions and cure time limits were adhered to. '' I have allowed them plenty of time to respond to my letter certified mail to them on XX/XX/2020 considering the difficulty they may have faced because of the current Pandemic situation, however, I have not received any updates.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is portfolio recovery reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
Consumer complaint received 2023-04-04
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. (TX)

The credit reporting agencies are reporting an inaccurate account. The account XXXX XXXX is being reported as a repo on my credit report. The balance reported is inaccurate. There was a payout from my GAP insurance sent to the financing company long after the account was sold to the third party, and it never updated the true balance of the account. The balance is factually incorrect, and I am demanding that this account is removed from my credit report. The credit reporting agencies are also reporting inconsistent information. How is different information reporting when all data furnished should be the same? It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted. Also see the dispute letter that was sent to the creditor. Remove immediately.
Consumer complaint received 2021-07-19
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. (NV)

I checked my credit report recently and noticed unauthorized inquiries in my report. They are the following companies please remove from all 3 bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

There are  XXXX  different cases that I am reporting on but involving the same company. The first case is regarding a charge that I received from  XXXX  stating that they did not feel as though a  XXXX    XXXX   was necessary so they would not cover the expense. The test was required by my doctor so I filed an appeal for  2 di fferent bills that they ended up sending me to the collection agency for. I told the collection agency that I had filed an appeal but I still received the notice that you will find attached.       The second case is regarding my medical coverage from my previous employer. I was wrongfully terminated on   XX/XX/XXXX   which was when my medical coverage also ended. I had gone to  XXXX  to get my prescription thinking that I was covered until   XXXX   which is what is noted on both termination documents attached. I had called  XXXX  who confirmed that it ended on   XX/XX/XXXX   and there was nothing that they could do so I had to pay out of pocket and was also charged for a visit that occurred within that timeframe. I was also sent to collection services because of it.
Consumer complaint received 2023-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IN)

Lakeview Loan Servicing ( LLS ) contends that Defendant is XXXX months past due ; however, Defendant was current on the mortgage until the XXXX pandemic in XX/XX/2020. Moreover, the escrow shows a delinquency listed at {$7800.00} past due ( the equivalent of 14.4 months past due ). This discrepancy indicates XXXX has falsified its accounting and there is no basis for foreclosure until a proper accounting is provided. Defendant was never served with notice for mediation. XXXX. The purpose of this legislation is to avoid unnecessary foreclosures of residential properties and thereby provide stability to Indiana 's statewide and local economies. Moreover, the mortgage at issue is an FHA loan. Per the CARES ACT, LLS should make a partial claim made via FHA to bring the account current or the past due amount should be recapitalized to the back end of the loan per the Covid 19 Recovery Modification.