davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (UT)

I am writing to follow up on my previous complaint regarding fraudulent items on my account. Despite making twenty attempts to resolve this issue, the fraudulent items have not been removed from my account, and the matter remains unresolved. I discovered fraudulent items on my account. Since then, I have made multiple attempts to get these items removed. I have attached copies of all relevant correspondence and documentation for your reference. Given the lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me remove the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear MIDLAND CREDIT MANAGEMENT I am writing in response to your recent communication regarding the alleged debt you claim I owe. While I appreciate your attempt to address my concerns, your response does not fully resolve the issues I raised. I require immediate action on the following points : Incomplete Debt Validation : You claimed that a validation letter was sent on XX/XX/year> ; however, I did not receive this letter. Under the Fair Debt Collection Practices Act ( FDCPA ), you must provide proof of delivery. Please send me a copy of the validation letter along with certified mail receipt or tracking information confirming its delivery to my address. Failure to provide this proof constitutes non-compliance with FDCPA requirements. 

Insufficient Documentation : The information provided does not include the purchase agreement between Midland Credit Management and XXXX XXXX. To validate your claim and ensure compliance with relevant regulations, I require a copy of this agreement and documentation showing that the account was accurately transferred and reported. Simply stating that your verification meets FDCPA standards is insufficient without detailed supporting documents. 

Licensing Verification : Your statement about licensing and bonding is vague. Please provide specific documentation proving that Midland Credit Management is licensed to operate in Illinois. Failure to provide this documentation will prompt further investigation into your compliance with state regulations. 

Cease and Desist Confirmation : While you have marked the account as Cease and Desist, I need written confirmation that this status has been updated with all credit reporting agencies and that no further collection attempts will be made, except as legally required. 

Account Accuracy and Documentation : Your response lacks detailed proof of the charge-off amount and the balance at the time of transfer. Please provide comprehensive documentation from XXXX XXXX  showing the final charge-off amount and balance. Inaccurate reporting could lead to further actions. 

Given the lack of proper validation and the inadequacy of the information provided, I am formally requesting the immediate removal of the collection entry from my credit report. If these issues are not resolved within 15 business days, I will escalate this complaint to regulatory authorities and pursue legal recourse for any violations of my consumer rights. 

Thank you for your prompt attention to this matter. I expect a complete response and resolution without further delay. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-11
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

OnXX/XX/2023 I submitted a identity theft alert to XXXX  for Experian and XXXX for rental screening reports that listed an address, an account, payment history tradeline, and public records to include an eviction that all resulted from identity theft. On XX/XX/ Experian updated and concluded information listed associated with XXXX XXXX XXXX XXXX, NC XXXX and Account name- XXXX XXXX would be deleted from both my credit and rental report. On XXXX Experian Rent Bureau  sent an email via XXXX stating that information was accurate. XXXX XXXX did not provide any tangible evidence that I signed anything related to this property for renting purposes. Rent Bureau is trusting the verbal acknowledgement that forged lease agreement are viable to prove this is my account and rental history. XXXX XX/XX/2023 XXXX RentBureau case number : XXXX advised that nothing can be done on my part even with a police report and active investigation after data furnisher- XXXX XXXX, XXXX which managers the property that was fraudulently rented. XXXX stated that I, although am a victim theft can not stay on hold to speak to a supervisor, no matter the urgency of this matter. Rent Bureau- XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number : XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I contacted and filed a complaint with CFPB against XXXX XXXX  regarding incorrect reporting of late payments during the loss mitigation process to the credit agencies and provided proof in XXXX. I also disputed with Experian directly. XXXX admitted in their response to CFPB that they made a mistake reporting my mortgage as late and that it would be updated to current because per the loss mitigation process that the account was in since XXXX, it should not have been reported as such ( please see documented proof and response below ). However, Experian refuses to correct it and is STILL reporting inaccurate information ( both a foreclosure status and late payment for XX/XX/XXXX ) in my credit report inaccurately per XXXX  response to CFPB, and that it should be reported current since XX/XX/XXXX per law.
Consumer complaint received 2024-07-11
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. (KY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
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. (MD)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which 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 relating to any transaction by the consumer. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (MA)

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my repeated disputes and the submission of all necessary documentation, these fraudulent items remain unresolved. I have enclosed copies of all relevant documents once again for your reference. These items are not mine, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and remove these fraudulent items from my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me remove the following items immediately : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I am writing to follow up on my previous complaint regarding the issue of late open accounts. Despite multiple attempts to resolve this matter, the issue remains unresolved. I am now seeking assistance from you to resolve this matter. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. I k, indly request from your help to correct these accounts : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away. 
XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (CA)

I am writing to follow up regarding the continued presence of fraudulent items on my account, despite my previous attempts to resolve this issue. The persistent failure to remove these fraudulent items has caused me significant inconvenience and distress. Despite assurances from your support team that the matter would be resolved promptly, the fraudulent items remain on my account. The continuous delays and lack of resolution are unacceptable. Given the severity of this issue and the repeated failures to address it, I am now seeking assistance from you. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to remove the fraudulent items and a plan to prevent such occurrences in the future. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
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. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to formally lodge a complaint regarding the repeated failures to correct the late-open accounts associated. Despite my previous four attempts to resolve this issue, the problem remains unresolved, causing me significant inconvenience and distress. Each time I have contacted your support team, I have been assured that the matter would be resolved promptly. However, these assurances have not been met, and the issue persists. The continuous delays and lack of resolution are unacceptable. I request immediate attention to this matter and expect a prompt and effective resolution. Additionally, I seek an explanation for the repeated failures to address the issue and a plan to prevent such occurrences in the future. I hope to see this matter resolved without further delay. Please help me correct the following accounts : XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$220.00}.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Credit reporting 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. (OK)

I am writing to follow up on my previous attempts to remove fraudulent items from my account. Despite four prior requests, these items have not yet been addressed. I urge you to prioritize the resolution of this issue and ensure the fraudulent items are removed from my account immediately. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1100.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (WI)

A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.