davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (IL)

I am writing to express my profound dissatisfaction with the continued presence of fraudulent items on my credit report, despite a second attempt to rectify the situation. The handling of this matter has been deeply unsatisfactory, and I feel compelled to bring this issue to your attention formally. 

I initiated the process to dispute and remove unauthorized and fraudulent items from my credit report. Despite a previous attempt, these items persist on my report, causing significant distress and concern about the accuracy of my credit history. 

I understand the importance of promptly addressing fraudulent activities and maintaining the integrity of credit reports. I expected that the second attempt to rectify this matter would yield positive results, but unfortunately, that has not been the case. 

I insist on an immediate and thorough investigation into the reasons for the persistent presence of fraudulent items on my credit report, despite a second attempt to remove them. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent similar lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the successful removal of the fraudulent items from my credit report within the exact time frame of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my crewdit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (OH)

I am writing to express my deep concern regarding the current state of affairs with my mortgage provider, XXXXLoanCare LLC . The complete unavailability of their websites has prompted me to investigate the matter, and my findings indicate a potential cyberattack on the systems of XXXX XXXX XXXX ( XXXX ), resulting in service disruptions since the previous week. 

My attempts to seek clarification and reassurance by contacting their customer service at XXXX have been unsuccessful. Despite persistent efforts, I have been unable to connect with a genuine customer service representative, with my calls abruptly terminated. 

Given the gravity of the situation, I am profoundly worried about the security of my account information, including linked bank accounts, Social Security Number, and credit information. In light of these concerns, I am formally requesting XXXXLoanCare LLC to provide me with a comprehensive incident report detailing the specifics of the cyberattack and outlining the company 's response to this critical incident. 

Furthermore, I seek explicit information on the measures the company is implementing to safeguard the privacy and integrity of my personal information in the aftermath of this security breach. I believe it is imperative for the company to be transparent about the actions taken to rectify the situation and reinforce security measures. 

In addition to these requests for information and reassurance, I find it necessary to formally request compensation for the disruptions and potential risks incurred as a result of this security breach. The inaccessibility of the company 's website and the inability to establish communication with customer service have not only caused considerable stress but have also raised serious concerns about the safety of my financial and personal data. 

Considering the serious nature of this incident and the potential impact on my financial well-being, I expect XXXXLoanCare LLC to address this matter promptly and provide fair and appropriate compensation to mitigate any adverse effects experienced by affected customers. 

I anticipate your prompt attention to these pressing concerns and a thorough and satisfactory resolution to this situation.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (MD)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica (CA)

On XX/XX/2023 I filed a claim with Direct Express due to charges I did not do on my account. There were XXXX charges from XX/XX/23-XX/XX/23 for a total of {$510.00}. I closed my card and had them send me a new one. They sent me paperwork to fill out the claim which I did not receive for 9 days. I filled it out and mailed it back. While they were doing their investigation I was supposed to be reimbursed the {$510.00} but they did not. When I called them about it they said it was because I did not have my claim filed within 10 days, I told them that was impossible since I didnt receive their paperwork for 9 days. They mailed me a decision that they denied my claim. I called 3 times and emailed them on XX/XX/23 for a copy of their investigation. They finally sent it. On XX/XX/23 I filed a police report after doing some research that recommended I file one. On XX/XX/23 I emailed them the information regarding the police report I filed as well as a write up regarding bogus XXXX charges that was a scam going around hitting peoples credit cards. I have not heard anything back. Please let me know if you need anything else. 

Thank you for your time
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (OR)

I am writing regarding unauthorized accounts on my consumer report that are linked to confirmed identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication about this issue, these fraudulent items remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I formally demand the immediate blocking and removal of these accounts from my consumer report within XXXX business days of receiving this notice. The presence of these fraudulent accounts has caused : - Significant emotional distress - Financial hardship - Inability to purchase a home - Difficulty meeting my family 's financial needs
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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. (IL)

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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-30
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. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were 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, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$890.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2023-11-30
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. (TX)

I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent requests to Experian, XXXX and XXXX in XX/XX/2023, XX/XX/2023 and XX/XX/2023 requesting that they remove all other names and address on my account except for my legal name of XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I attached a current bill and my current drivers licensee and a copy of my social security card each time. 

I requested the information to be corrected as per The Fair Credit Reporting Act requires credit bureaus to remove inaccurate information from credit reports
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (WI)

I was contacted by a collection agency by the name of XXXX back in XXXX of XXXX stating that I owed a past due amount of {$1300.00} for a debt. I wasn't aware of any past due debt however to avoid any negative marks on my credit report, I agreed to set up a payment arrangement of {$220.00} for the months of XX/XX/XXXX through XX/XX/XXXX and one final payment of {$220.00} for the month of XXXX in XXXX. XXXX stated over the phone, that if I made all of the payments on time that the debt would not report on my credit bureau. Recently, on XX/XX/XXXX I applied for a home loan and I saw that the only negative item reporting was by the name of XXXX XXXX reporting with a similar amount and status showing as PAID, CLOSED, {$1300.00} WRITTEN OFF. This account was listed only on my Experian credit report. I disputed the item with Experian over the phone and they sent me a response and a new report on XXXX with the XXXX XXXX item still listed and that the outcome was that the item will remain and that XXXX certified to Experian that the information listed on my report is accurate and that it will remain on the report. I have record from my monthly bank statements that I paid XXXX collection agency for the total amount due of {$1300.00}, however XXXX XXXX is reporting this debt. Not only is XXXX reporting this debt and shouldn't be, but they are not reporting any original creditor, their telephone number, dates of status and the status info can not possibly be correct either.