davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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 formally request for the removal of the following fraudulent items. The three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I assume that they rectify these violations and provide me with an accurate and updated credit report immediately. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. With that, I am expecting for your assistance to delete or remove these fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (TX)

Since XX/XX/2023 there was a cyber attack on XXXX XXXX, which in included our mortgage company- LoanCare- XXXX. I was NOT notified of there even being an issue by our mortgage company until XX/XX/2023. The email does not even include ANYTHING pertaining to the cyber attack or that my information was leaked on the darkweb. The only thing mentioned in the email was they updated their systems for a new customer experience, they are back online and if you have been unable to timely make your payment due to the system outage, no late fees or negative credit reporting will be incurred. My personal information was leaked from what I found out and I still have yet to be notified of this and it is now XX/XX/2023. I still have yet to be able to pay my mortgage for XX/XX/2023 and now XXXX is due. I was forced to use the XXXX payment money to be able to pay my other bills due. We are already struggling as it is, I cant afford to sit on money when other bills are due. This has put me in a huge predicament. VERY disappointed how all of this has been handled and I dont have clue what information of mine was leaked! I have called, tried going online, I have followed groups on XXXX of everyone else having the same issues. This is TERRIBLE!! I have contacted the Texas attorney general, put in a complaint to the XXXX and now contacting CFPB for help with this HUGE problem. The website is STILL down. I check serveral times daily to no avail. This is has been VERY poorly handled. This is NOT the first time Loancare has had information leaked/hacked. The stress from this has been horrific. There are class action suites against this company as well.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX I came to a park to run, I left my wallet in my car and left the car for my run. When I came back I saw that the glass window in my car was broken and the wallet stolen. There were my id, debit card, credit card, some cash, and other stuff in the wallet. When I tried to realize what happened I received messages from my bank XXXX Bank of America ) that they detected unusual transactions on my cards. I didn't approve those transactions because they were fraud and logged in to my bank account to block my current cards and order new ones. It seems that I did everything what I could do to stop fraud. But one of the transactions on my credit card ( {$400.00} ) still left in process though I didn't approve it. During two seeks I made a few calls to the bank to make sure that they work on my case and return my money to the credit card. Finally, XX/XX/XXXX I received message in my bank account that my dispute was rejected. I called to the bank to know the reason and they told me because they connected to the merchant and the merchant ( it was XXXX ) confirmed that I received all the service on that amount. But I didn't receive anything, it was somebody who stole the card. I tried to explain that I didn't authorize that transaction and also asked the bank how it is possible that somebody could make a purchase on such serious sum of money using just card without additional verification ( like PIN ). They rejected my arguments and closed the case. 
My two major points : 1 ) I followed all steps bank requests in fraud situations ( I rejected not authorized payments and blocked my card ) ; 2 ) how bank allows to make purchases, especially on such quite big amount of money, just using a card without additional verification, it's absolutely unsafe. 
Please, help me with the situation and guide me what to do further. I hope I have some chances to get my money back because it's absolutely unfair. I am sure that what happened ( stolen cards ) is what can happen ; it's not something unusual unfortunately. I think bank should be prepaid for such situations and ensure that all unauthorized payments won't proceed without card holder awareness. The bank didn't apply any tools to keep my money safe. 

Thank you, XXXX
Consumer complaint received 2023-09-01
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-09-01
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. (TX)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CA)

I have been trying to pay my monthly mortgage payment for over week and the website has been down for for almost ten days. The website that I am using is " loancare.com '' and no one in the company is helping out and no one is addressing this issue. I went to XXXX and I found out that there might have been a hacker in the system and that now all of our personal information might be compromised. No one in the company is saying anything, no emails, no phone calls, no messages, no information about anything and my monthly payment is still due right now.
Consumer complaint received 2023-09-01
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-01
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

My account was suspended on XX/XX/2023. I have made numerous attempts to call and chat with credit karma since XX/XX/2023. I have been told that the account is suspended and they cant give me a reason why and cant tell me how to fix it. I have been told to wait for an email since XX/XX/2023. And have not received an email in regards to how to unlock my account. My tax refund was loaded onto the credit karma account on XX/XX/2023. I just received a notice to pay rent or move and a shut off notice on my pge. I am a single dad. I live with my XXXX XXXX XXXX daughter and I need access to my money to take care of us. Its been 3 weeks and I cant get an answer or guidance on how to access my money.
Consumer complaint received 2020-01-24
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. (GA)

Equifax is reporting incorrectly the XXXX partial account number ****XXXX. This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with this bank. This account needs to be removed from my credit report. I have contacted the bureau as well as XXXX XXXX  to remove this account however, I have not been successful.
Consumer complaint received 2023-04-14
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. (MT)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2023-09-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I received a fraud alert text from Bank of America, asking if I placed a {$22.00} charge at XXXX. I replied " No '' and they replied that they have restricted the card. I then called and asked they cancel the card and send a new one. While on the phone, I learned that not only did the {$22.00} charge post, but a second one for {$82.00} went through, both after I confirmed they were fraudulent charges. 

Even after confirming they were not mine and cancelling my card/ requesting a new one, the charges stayed on my card and the statement closed. Bank of America no shows that I have a balance and minimum payment due. When I called a second and third time ( XX/XX/XXXX ), the agents told me that they can not reverse the charges and I have to pay the minimum payment.
Consumer complaint received 2024-04-21
Product: Credit reporting 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. (TX)

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. Whos studying XXXX XXXXhelpmeoutby 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I am writing to dispute a billing error on my account ( DISCOVER ) XXXX XXXX XXXX XXXX in accordance with Regulation Z under the Truth in Lending Act ( TILA ), specifically under 12 CFR 1026.13. I believe Discover Financial Services has acted dishonorably in handling my account, and I request immediate resolution of the matter. Despite my attempts to rectify the situation through previous communications with customer service representatives, the issue remains unresolved. I assert that Discover Financial Services has violated Regulation Z under TILA in the following ways : Failure to properly apply payments according to Regulation Z guidelines. 
Misrepresentation of billing statements, leading to confusion and erroneous charges. 
Failure to adequately respond to customer inquiries and requests for clarification. Amount ( {$11000.00} )
Consumer complaint received 2024-03-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

XX/XX/XXXX PennyMac paid my homeowners insurance for year {$960.00} XXXX XXXX bill sent to PennyMac for {$2500.00} and it was deducted for settlement on the house. 
XXXX XXXX {$2500.00} was deducted from my settlement, for a fictitious bill regarding hazardous insurance. 

PennyMac took too much from my settlement, charged me for insurance when they did not pay the premium, and kept too much of the interest paid on the account. The money was sent on Monday, XXXX XXXX. It was wired. They reported it received as of XXXX XXXX. 

Also, my interest rate was XXXX the credit report states I made XXXX payments. The amount of the interest and payments does not match up.
Consumer complaint received 2023-09-01
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. (CA)

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CarMax, Inc. (GA)

Noticed that although this account was included in XXXX XXXX XXXX. It is still reporting as a charge off and I am receiving updates although I filed for XXXX in XX/XX/XXXX. XXXX XXXX in XXXX of XXXX but yet Carmax is still reporting on my XXXX
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I was unaware that my cash app account was hacked and was used to send {$200.00} dollars to someone. I am here to put in a complaint ASAP as I caught it early before the money has been taken out my bank account. I tried asking for a refund to whoever the money was sent to and they declined my refund
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (WA)

These are the unauthorized hard inquiries on my XXXX XXXX credit report. I did not apply for these and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the unauthorized hard inquiries on my Equifax credit report. I did not apply for these and I called Equifax on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I was not notified of this debt. I didn't receive any letters, phone calls, text messages or emails about this debt. When I was leaving the apartment ( end of lease ), XXXX XXXX I had left my forward address and they have my email address and phone number. I only found out about this debt via my credit report. I am willing to pay the debt because I was expecting the apartment to forward me the last two months ' utility bills but I didn't receive any communication to pay this debt. Hence, I was not aware of the debt, its amount, or how to pay it. I tried calling the debt collection agency yesterday ( XX/XX/year> ) and got no one. I left a voice note for them to call me back but I haven't received a call back. All my debts have been paid on time as evidenced by my credit report. I would not try to avoid paying {$130.00}. This does not make any sense. The debt collection agency is Genesis Credit Management.