davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (KS)

We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!
Consumer complaint received 2024-01-11
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-11-01
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. (NJ)

I previously submitted a completed Identity Theft Report # XXXX. In regards to fraudulent accounts on my credit file. They were not deleted or blocked to show my true complete and accurate information. My Identity was stolen.
Consumer complaint received 2017-10-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (FL)

To Whom It May Concern : This letter is a follow up to my original letter dated XXXX/XXXX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under NAVIENT. 
By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. please delete this erroneous reporting from my credit report I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.
Consumer complaint received 2024-02-05
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. (AR)

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureaus. As a loyal customer who has entrusted Credit Bureaus with personal and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove these fraud items in 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
Consumer complaint received 2024-02-05
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$440.00}.
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I am in receipt of a letter from XXXX XXXX related to my previous CPFB complaint. 

I am not satisfied for two reasons : 1. As of XXXX XXXX, 2017 XXXX PST, The account has not been brought to XXXX  as described in the letter sent to me on XXXX XXXX, 2017 via the CPFB. I called into and spoke to XXXX # XXXX in the Account Protection area to compel XXXX to reverse the charge. 

2. The response did not indicate how an account closed for fraud protection was allowed to incur a charge after the account was closed by the bank. The explanation that " XXXX allowed, not us '' is insufficient.
Consumer complaint received 2024-02-05
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

So apparently Navient was unable to contact me for half of my loans as I began paying off the other half. They always had my contact info and I thought all if my loans were consolidated. Then, they fold my loans to a collection agency that decided that after a few months of not being able to contact me, that they did a XXXX time doubling of my loans. I pay over XXXX a month for an associates in restaurant management which costs XXXX}. I have been paying for years and somehow still owe over XXXX}. Please help me.
Consumer complaint received 2024-02-05
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. (AR)

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 

I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. 
I am asking for your assistance to remove these fraud items in 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
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

My wallet was stolen from my car years ago and multiple credit accounts were opened in my name. I attempted to have this debt removed by disputing, but received no help from the company. I am receiving harassing phone calls for debt that isn't mine. 

I experienced a traumatic experienced being a victim of vandalism and identity theft. I would appreciate the company removing the fraudulent accounts being reported to my credit file.
Consumer complaint received 2017-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The following companies below popped up on my credit information profile as hard inquiries in which I have no consent about the inquiry. I will like to dispute the hard inquiry the following company might have put in effect on my credit history or report. 

Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is my third attempt to have Experian correct and stop it 's erroneous sharing of unlawful and outdated credit information. However Experian continues to stand by their erroneous behavior. Experian 's last offer of an explanation to my last Complaint claiming that they were unable to address the issues that were made in the Complaint because they were not specific. The initial Complaint outlined the problems/issues in detail and Experian fail to offer an explanation by providing me a copy of my Credit Report, which did not reflect what they were sharing with Creditors therefore I filed a second Complaint.
Consumer complaint received 2024-02-05
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. (NY)

I am writing to file a formal complaint regarding instances of identity theft that have adversely affected my credit report. The personal information listed below pertains to accounts that I did not open, they are the result of identity theft. 
account listed are identity theft accounts Account Information : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. I did not open this account and did not give consent for its creation. 
Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
Account Information : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Identity theft account. My identity was used without my consent to open this account. 
I request your prompt assistance in investigating these matters and taking appropriate actions to rectify the inaccuracies on my credit report resulting from these fraudulent accounts. Additionally, I would appreciate guidance on any steps I should take to further protect my identity and prevent any future unauthorized activities
Consumer complaint received 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

After receiving an email that my account was closed, I had called Capital One to explain that I had a been a victim of identity theft and was hoping that they would extend some type of help to keep my account open. After speaking to several representatives and supervisors, they were very steadfast on closing this account. Even one supervisor explained to me that this was the only type of calls that he was getting all day. Many of the representatives were saying that their hands were tied behind their back. My main concern is that I was not even notified that my account was in jeopardy of being closed even after I called to get a new card because of my identity theft. When I order the new card not one person informed me of anything that was about to go wrong.
Consumer complaint received 2017-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCC Finance, LLC (MI)

Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Default Judgment and Declaratory Judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Summary Judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, of the facts stated herein being true. Further failure to rebut or continued acquiesce, failure to address, answer or respond, stand as a Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, XXXX XXXX corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan XXXX!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Consumer complaint received 2020-05-11
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.