davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX XXXX- XXXX XXXX- XXXX There are also 14 hard inquires & 12 soft inquires that need to be removed In accordance with the Fair Credit Reporting act XXXX  These accounts have violated my rights. 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
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts have violated my rights. 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
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I initiated an online wire to XXXX, a company owned and operated by XXXX XXXX. The {$8600.00} wire was payment for a research project for my daughter over the summer. I had been communicating by email with XXXX XXXX about the research project for over XXXX weeks. XXXX XXXX emailed his banks wire information. A perpetrator either hacked my email or XXXX XXXX 's email and substituted his bank account information for a fraudulent account. 
The wire was outsourced through my Bank XXXX Wells Fargo ) and completed on XX/XX/XXXX. Since I did not hear from XXXX XXXX 
XXXX, I emailed him to ask if he has received the funding for the project and he said no. We called each other immediately and began reviewing our emails. We discovered that the email he sent containing the correct bank information was deleted and a different attachment containing the fraudulent information was inserted. I immediately changed the password on my email, contacted Wells Fargo, and filed this report. Wells Fargo will try to recall the funds but did not promise a return of my money.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank is in violation of Fair Debt Collection Practices Act section 809 ( a ) and section 809 ( b ).

They are also in violation of the Federal Credit Reporting Act sect 623 ( a ) ( 3 ). As well as NC. GENERAL.STATUTE.58-70-50 that requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor.

They have failed to do what is prescribed by law in the Federal and State laws mentioned above. 

If they do not remove the negative items being incorrectly reported under my social security number on my XXXX, XXXX, and XXXX credit reports I will use all legal remedies that are alotted to me per Federal law and Local State law.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC (VA)

I received a promotional mailing from E Mortgage Management LLC ( XXXX, NMLS # XXXX ) that made extremely misleading, borderline deceptive claims about the savings I would get from rolling a credit card balance into my mortgage. 

The mailing contained a table showing my projected monthly payments " Before '' and " After '' combining a credit card debt with a mortgage, in large bold font. However, in smaller, not-bold font, the " After '' payment amount was labeled " P & I Payment. '' As a result, this table compared my principal, interest, taxes, and insurance monthly total ( " Before '' ) to a new principal & interest monthly total WITHOUT taxes and insurance ( " After '' ), which would of course be lower. 

Underneath the table, large bold text says " You Save {$410.00} Per Month In This Example '' and " That's {$5000.00} Per Year! '' which while technically true, is misleading because it excludes the taxes and insurance that would still be required. 

This mailing was labeled XXXX on the front and labeled XXXX on the back. 

Here 's other identifying info for this company from the back of the mailing : E MORTGAGE MANAGEMENT , LLC DOES BUSINESS AS " XXXX XXXX '' IN DELAWARE, NEW HAMPSHIRE, NEW JERSEY, PENNSYLVANIA, MARYLAND AND CONNECTICUT. XXXX XXXX   IS A DIVISION OF E MORTGAGE MANAGEMENT , LLC. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. NMLS LOC ID : XXXX.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc. (OH)

Apparently I have a student loan over 33 years old that was supposed to be disposed of due to the school in question XXXX XXXX XXXX in XXXX Ohio. I attended for 2 weeks. The school was supposed to return the loan, I myself never received any funds. A few years later the school goes out of business and is sued for it's practices. I never heard anything else about the matter. Every few years I would be contacted by the US Dept of Ed attempting to collect. I would speak to someone and nothing would come of it. Here recently I have a debt collection company that is threatening garnishment if I do not respond in a timely matter. I have and sent the correspondence by certified mail with a change of address. I do not live at the address stated, but they continue to send time sensitive material to this address. They are trying to force a default judgement and I need to know what is my recourse. I have requested a hearing from the US Dept of Ed I do not have any information from 33 years ago showing what I stated was true. But they should have knowledge of this action taken against this school. I will not volunteer any financial information to the collection agency in good faith due to their actions so far and reading complaints from the XXXX.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX  acc # XXXX has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I disputed several inaccuracies on my credit report and Transunion has refused to delete all unverifiable accounts and public records from my report. I am downloading a copy from one of the 3rd credit reporting agencies showing it was deleted and a copy of my FTC report stating that I have been a victim of Identity theft. 

They are also violating my rights under 15 U.S.C 1681 Section 604 A Section 2 : This law clearly states that a consumer reporting agency can not furnish an account to any other agency without my written instructions, and I did not give anyone written permission to furnish any information on my credit report. All accounts must be fully investigated and fully verified and Transunion has not done this. 

The following are inaccurate accounts that must be deleted. 

Bankruptcy XXXX  XXXX filed on XX/XX/XXXX is reporting inaccurate ( Proof provided ) XXXX XXXX XXXX filed on XX/XX/XXXX does not belong to me fraudulent account ( FTC report Filed ) XXXX XXXX filed XX/XX/XXXX is also inaccurate. Transunion removed 5 XXXX XXXX inaccurate loans but left this one, for reasons unknown.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

XXXX now owned by comenity/XXXX was peddling magazines subscriptions at their store a few years ago. After you agree to a subscription, they give you a piece of paper with a number on it to call to cancel. However, what they don't tell you, and I don't blame to sales staff, is that you will never, ever be able to talk to a real person. When you call to cancel, the system is set up to cancel the subscription and return your account but in order to have that done you have to agree to accept additional copies at a lower price. After that kicks in and your don't cancel within a certain time, they will start up the subscription again and bill you for it. The problem is that you CAN NOT turn that down. And they just keep charging and charging your credit card. Not only that, you can't get anyone on the phone at the actually credit card company either. Check out their XXXX page. They have been blasted with complaints about this. Please stop them. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

Everytime I call and tell them I applied for HAF they say they don't know who this is. Also XX/XX/XXXX I was XXXX behind because of the pandemic. They said they were push it to the end of the loan but then they added 5 yrs to my loan. So I stead of my loan 25yrs left I now have 30 again. They didn't give me any other options. I'll be XXXX when the house will be paid off I am XXXX  husband passed XX/XX/XXXX XXXX
Consumer complaint received 2022-05-31
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. (FL)

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT NUMBERXXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I received my XXXX XXXX in XXXX XXXXXXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case XXXX needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to XXXX so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay XXXX around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that XXXX had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a XXXX Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on XXXX part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with special needs kids every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before XXXX made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to XXXX explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for XXXX error. My FICO score, XXXX, XXXX  and Experians credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, XXXX was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Consumer complaint received 2024-02-17
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. (IL)

This company has reported false information for months. I tried to dispute the actions with Experian a couple months ago and they said the information was correct. Which on the report it says I owe over XXXX dollars and they repossessed the car & on the companies site it said I owed a little over XXXX dollars, now it says I owe {$5600.00}. I disputed them on XXXX and XXXX and the account was deleted. I explained that to Experian and they continue to report false information & wont allow me to dispute it again. Under code 1681 B permissible purposes of consumer reports. I havent given written consent for XXXX XXXX or Experian to report anything negative on my credit report. Please delete XXXX XXXX & XXXX XXXX off of my credit report. I do not have any current contracts with either company for the amounts that are supposedly owed.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Fraudulent account of student loan bill created that does not belong with my info or should be affecting my credit score. 
{$1700.00}, {$2500.00} that I do not owe. 

The creator of this fraudulent account does not have contact number for return call, inaccurate info regarding appointment.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (VA)

On Monday, XX/XX/XXXX, I purchase a new built home from XXXX XXXX and NVR Mortgage at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX XXXX and NVR Mortgage have engaged in predatory lending practice by selling me a home that was originally appraised for {$520000.00} from one of their contractor 's companies, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by XXXX XXXX XXXX. On Monday, XX/XX/XXXX. XXXX XXXX conducted another appraisal for {$570000.00}. Lastly, on Friday, XX/XX/XXXX, XXXX XXXX sent XXXX XXXX and NVR Mortgage a final appraisal for {$580000.00} for which I paid {$580000.00} for the purchase of this house and NVR approved it. There was a {$59000.00} difference from the first appraisal and the last one XXXX XXXX and NVR Mortgage charged and approved me for the purchase of my house. This is a clear example of predatory lending. XXXX XXXX did not provide any justification as to why 3 appraisals all have inconsistent data and price increases less than 3 months. XXXX XXXX manipulated this data as it pertains to the appraisal of the sellers XXXX XXXX and NVR Mortgage benefits and profit.