davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Dovenmuehle Mortgage, Inc. (IL)

I have requested a PMI cancellation and paid for the appraisal that was ordered by Mortgage company. I have received the appraisal report that was ordered by the company and found out that it is incorrect. The gross living space ( Sq ft ) of the house is incorrect and also the comparison done against the other house is completely wrong as they are not the identical to each other in sq ft or the taxes paid. Since the compared list is wrong the value of my house was incorrectly provided as $ XXXX. I have a neighbor whose house is exactly the same as mine with exact sq ft and an appraisal that was done on it turned out to be {$390000.00}. This house is exactly opposite of my house. 
Additionally, Some recently sold Comparable Houses within the same community would be with same sq ft and tax assessed value : Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$390000.00} Sold XX/XX/XXXX for {$380000.00} Sold XX/XX/XXXX for {$390000.00} But non of these were considered for comparison and instead were compared to the house sold in the same community with lower sq ft. 

I think the appraisal done on my house is inaccurate and the company that was chosen to do this was incompetent to do the job. I have done several additional upgrades to the house which did not factor into as well. 

I have provided all of the information and reached out to the mortgage company on this so that they can reach out to the appraisal company and try to have it corrected. But instead took a months time to review and tell me that tax valuation is considered that government does is less reliable and the formal valuation which was done incorrectly was correct and no action would be taken even after providing proofs and copy of other neighbor appraisal copy which is identical. 

Instead they are not taking no action or attempts to understand and resolve the issue.
Consumer complaint received 2023-10-26
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. (DC)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-02-02
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. (MO)

Lies lies lies as experian closed another complaint without addressing the issue but give ridiculous explanations STOP HAVING YOUR NON ENGLISH SPEAKING CUSTOMER SERVICE REP XXXX WHO HAS NO AUTHORITY TO DO ANYTHING CALLING AND HARASSING ME AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

There was a transaction dispute between a merchant and me. After submitting the dispute, the credit card and merchant agreed to reverse the amount but the credit card is refusing to repay me the extra payment i had made for XXXX + days and I am suffering financial hardship
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (NC)

I purchased my car on XX/XX/2023 I have been having problems with my car from the time I purchased it with mechanical problems now the business has closed. I'm still having problems with my car and the warranty doesn't exist anymore now the want to come and repossessed my car
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
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. (GA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (OH)

I am a Veteran and have face homeless situations for 15 times in 5 years and still managed to get my credit score up. While trying to buy a home I am being denied due to XXXX XXXX  housing and Hud housing that has employees lying to cover what they do wrong. I have called and asked for help to fix or change policies that lead to inhumane policies and laws that no one is willing to change. The 3rd party reporting agency is not a XXXX  accredited agency. My credit score is good enough to buy a house, but I am being punished, hassled and or denied due to things not being my fault. Houses are being rented before they are declared habitable. Houses are being rented as duplexes with one electric meter and one water meter. When you are on a set income, we do not have ways to change this. We do not seem to matter anymore. I am doing all I can to change the situation of negativities. I can not take responsibility for the actions of others to report things just to hurt others. Companies get mad when you say they would not want to be treated this same way and yet do not care to do it to you. 
When buying a house. I am asked to not get any line of credit and yet I am told I need a car loan. I am not supposed to live in my car. This will cancel my home loan. They credit agencies and the loan companies deny having any way to help change these things. I am living in a Hud apartment that spent 6 weeks not fixing my furnace. I have a stove that only shuts off by the breaker switch. The nobs do not shut off the oven. The coil will not shut off. This is a issue that repeats and we as humans need to care more than the words of sorry. Sorry is not good enough. Someone needs to help spread the word we can make a difference if we all just stand to speak what needs to change. I am being reported for late payments. How do I change or make a payment when the company denies letting me. How is it fair to report me late if they refuse my payment. I am responsible for my actions and their actions. How did this come about?
Consumer complaint received 2023-11-06
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Consumer complaint received 2023-09-22
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. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Consumer complaint received 2023-05-15
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. (NJ)

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that XXXX, Equifax and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX and on XXXX XXXX JPMCB Card services has had a hard inquiry on my credit score I have no knowledge about! I want to dispute it because that is not on my behalf! I have tried to multiple times in the past with no avail! On XXXX XXXX I have a hard inquiry from XXXX XXXX XXXX I have no knowledge of as well and I want it disputed!
Consumer complaint received 2023-09-22
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

When logging in you are unable to see any accounts. Instead you are greeted with " I'm not able to show your accounts right now. Try again later or call us for help. '' This has been happening for at least XXXX business days, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which is today. There has been no notice or explanation from Ally Bank regarding this issue.
Consumer complaint received 2023-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (LA)

On XX/XX/2024 I was denied a private student loan due to a " serious delinquent student loan '' showing up on my XXXX credit report. 
This is not possible due to my currently having an in-school deferment. I also utilized the XXXX XXXX program so these loans, as per the XXXX, should have been reported as current, closed, and moved to a non-default lender. 
I pulled my credit report and found that it was Nelnet. I also later discovered that XXXX is reporting as Delinquent on my XXXX report. 
From XX/XX/2024 until now, I have contacted Nelnet several times, The XXXX XXXX XXXX for the Dept of Education and XXXX, XXXX, and XXXX. 
I have uploaded documents to XXXX and made several disputes to both XXXX and Nelnet both over the phone and online. Every single one of them has said there is nothing that they can do about it. I have even had to explain what currently delinquent means, and how it makes no sense that I could be currently delinquent. I have shared your documents with them regarding problems with reporting illogical false information. The account is closed. How can it be currently delinquent? 
I have a particular problem with XXXX and their dispute/investigation process. 
It is difficult to get any information on an open dispute which has led to sending in multiple disputes, and trying to determine if they received it is onerous. Being alerted that there is a change to your report feels like they are simply trying to get money from me. It is like credit reporting agencies make money by making changes to your report or keeping you in the dark for you to pay for a subscription or pay to refresh your credit report. 

Their entire dispute process seems to be slow and illogical.
Consumer complaint received 2023-04-05
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, has violated my rights! 

15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 a, section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2023 I applied for a Sam 's club business credit card with Synchrony Bank.I thought the bank would use my small business XXXX and XXXX number to apply for the account. I thought providing my personal Social security number was just to verify my Identity, not have a hard credit inquiry done lowering my personal credit score. I was denied and my score was lowered significantly to below average. Now my score was lowered so much that my intentions of applying for a home loan is now in jeopardy.
Consumer complaint received 2024-03-02
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. (TX)

I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXXXXXX XXXX  XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.
Consumer complaint received 2023-05-10
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. (PR)

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX OF XXXX XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Account Name : XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : 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 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I was trying to have a credit card but when they Check my credit they told that my information is wrong that doesnt match with the one they have on sistem. I received a letter from TransUnion to verify my info as is all wrong
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.