davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information XXXX screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided XXXX see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.
Consumer complaint received 2022-07-06
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: Bread Financial Holdings, Inc. (CA)

Since the end if XX/XX/2022 I been trying to make corrections on my report regarding trade line if Comenity XXXX XXXX with XXXX, nothing has been fix and instead of conducting a " proper investigation '', they continued to on it, delete and.or do nothing regarding the information disputes. As of this date, I can not have a complete, accurate and verifiable trade line. I tried disputing on line, over the shine and last via cert mail. In addition, I have tried to obtain and dispute directly with Comenity, furnisher with no answer. It is a mystery and/or Comenity is not releasing the records of payments, charges and I am stuck with a trade line full of errors and incomplete because XXXX is not able to verify the information which was previously reported, once disputed, XXXX claimed that they contact the furnisher and it is accurate OR the information disputed is UNKNOWN. I am demanding accuracy completeness errors free in my consumer report. Please review the attachments, I made notes including dates, comments and circled the disputed information.
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXXXXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

There are two issues. The first is I am unable to pay the mortgage company because their website does not work. I can not log in and I've called them multiple times about this, but they have not fixed it. Second, they sent a 'coupon ' book which is supposed to act as monthly statements. The problem is that when we paid extra principal, these 'coupon ' books don't account for what our actual monthly statements are. The company is clearly violating the periodic statement rule, also since we are unable to pay promptly our interest payments are higher since it takes up to a week to pay. Last time I had to pay over the phone, and the company charges a fee for that.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I recently viewed my credit reports and noticed some inquiries that I didnt authorize. I have sent in multiple dispute letters to the credit bureaus, to resolve this issue. But the issue still hasnt been resolved.which is a violation of the FCRA section 604 since there are inquiries that I didnt authorize.
Consumer complaint received 2021-06-13
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: Nelnet, Inc. (GA)

I have filed a dispute in regards to the incorrect on items on my credit report. It has been over 30 days and I have yet to get any results or updates.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX Equifax and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX XXXX and Experian on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I realized that there was something wrong with my bank of america account, because a lot of money was going out, there were many purchases that I didn't make, at XXXX, XXXX ( which to this day charges me, I don't know why, because I don't have anything with XXXX ). 


I told the bank that they didn't care about the situation. I found the cell number in my bank of America profile, and that number does not belong to me, them notified the managers and the fraud department, who told me this happens regularly in florida. That was the answer I got after XXXX months of going to the bank almost every day and calling the fraud department. 

I have enough evidence to present to the gentlemen responsible for handling this type of violation. My device was accessed in cities and countries where I have never been until today. 

lose about XXXX kilos with so much stress, worry and fear, because it got to XXXXhe point where my devices were turning on and off controlled by someone who was me. 

I will stop the beginning of this terrible report and horrendous experience here, because I don't know if this testimony will really go to the right people or laugh for those who have all my information in their hands and made more than XXXX investments in financing which resulted in me in total of almost XXXX shares in my name, not counting almost {$32000.00} lost.
Consumer complaint received 2018-05-24
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. (FL)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/XXXX
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, TransUnion XXXX XXXX and XXXX  XXXX XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (TX)

A mortgage company called Lending Tree is claiming that they assumed I authorized them to run a credit check /pull credit score by hard checking. I am absolutely sure that I did not do any such thing because the company didnt seem credible enough anyway. They have no proof of my authorization in any way. I am requesting that you take action against this fraudulent practice who are abusing their actions. This could impact my credit history in the future and it has in the present. Please please do something, I do not want any identity theft or other such criminal offenses happening with me. I will in no way pay for any misuse of my information that this fraudulent company has. I am sure this is an illegal offence. I want them to take responsibility for this action and make sure my social security is removed from their files/systems etc. how can they claim I gave then my SSN when i did not! I want proof, I am a 1000 % sure I did not. They are scamming people. Please help!
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc. (OR)

I tried to look at Furniture through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through American First Finance.

I was approved XX/XX/XXXX through American First Finance for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through American First Finance to my bank account. 

American First Finance began charging me for a loan of {XXXX}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. 

I just received a letter from XXXX XXXX XXXX for this fraudulent debt in the amount of {XXXX}, dated XX/XX/XXXX.
Consumer complaint received 2022-03-21
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

i got involved in the corona relief plan offered by Wells Fargo on XX/XX/XXXX. It was to be 90 days, no negative reporting and it ended XXXX XX/XX/XXXX. I made my 3 payments and was offered a one a month defferal. I made 4 more payments and realized they never did the defferal and filed an executive office complaint. I had 5 representatives over a 6 month period with excuses and explanations and when pressed the they deffer 5 months which put my account way ahead and will cost a lot of extra interest in future so i requested it be repaired. They stopped reporting my credit in XX/XX/XXXX to cover their errors while they created dozens of adjustments and made a mockery of my payment history. I finally got a representative in XXXX that got account put back together and have made 6 more payments since. The main issue now is they are not reporting to credit bureaus, improper crediting of payments to principle from their adjustments and they even deleted the tradelines on all bureaus making my credit score drop 100 points. I have asked, complained and threatened legal action and they say its not the law. They want me to agree to a statement that they can report everything? The only thing that should be reported is forebearance XXXX and the 12 payments and deferal done since XX/XX/XXXX. The dozens of adjustments made and mistakes made by Wells Fargo is not my doing. I was offered defferal, did not ask for it. I did not ask for a year of issues when i signed up XX/XX/XXXX they are trying to cover their errors with my credit reporting and also making it impossible to refinance or obtain other loans. I have been injured by this greedy and corrupt bank and want compensation, redemption and my XXXX score back. They should at a minimum be reporting payments made, balance and current status since XX/XX/XXXX when they finally put this together on all 3 major credit bureaus. I have dozens of documents and bank statements from my other bank if you need documentation. My account at Wells Fargo changed daily between XXXX and XX/XX/XXXX from 4 months ahead to 1 month behind, payments held in holding account and all types of adjustments they made to cover themselves and they want to report that? Factual information is that Wells Fargo is corrupt, incompetent and devious.
Consumer complaint received 2023-07-19
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. (LA)

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Consumer complaint received 2022-03-21
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.
Consumer complaint received 2021-06-15
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: DISCOVER BANK (NJ)

the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account XXXX : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/2021 I filed a complaint with the CFPB regarding the forebearance of my mortgage loan. On XX/XX/2021 XXXX Mortgage sent a reply back to the CPPB that they would be deferring XXXX  months of mortgage payments and I would receive a letter, to this date I have not received the letter for me to sign and it has been XXXX  months. But yet, I received a letter of foreclosure this past weekend. 

I have left I know XXXX messages, emails, asked to be contacted by a supervisor. To say that I am angry is an understatement. 

AT this point I feel like contacting the Department of Justice, regarding XXXX discrimination.