davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is in violation of RESPA and acting in bad faith regarding a real estate transaction. At issue is a short sale request that was submitted on XX/XX/. SPS then countered based on a drive by property analysis which is NOT valid with lived in homes. We then supplied written documentation stating this property was improperly valued as a 3 bedroom and their value was inflated. We advised them to act in accordance with RESPA and contract guidelines they are required to do an interior and to take into consideration the illegal additions which must be removed. SPS is refusing to do an interior and they laughably put in the notes they only consider what they can see in the photos which is literally the outside of the home. This is gross negligence and incompetence regarding a financial matter. SPS should be significantly fined just like XXXX XXXX as they are harming homeowners.
Consumer complaint received 2020-03-20
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. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.
Consumer complaint received 2020-03-31
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: Palmar, Inc. (CA)

I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I paid off my Discover Card balance and requested a credit increase. I was transferred to three different people all who said they would submit the request and I would have a response in 30 seconds. The first person said there would not be a hard hit on my credit report, but then said I needed to talk to another group. The second person said there would be a hard hit on my credit report. The second person continued but then they transferred me to a third person. The third person said there would be yet another hard hit on my credit report for the increase. At this point I told Discover staff I simply did not believe what they were saying. I did not get a credit increase and I was told there was now a hard hit on my credit report.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (TX)

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.
Consumer complaint received 2020-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XX/XX/XXXX - applied for HELOC with PenFed Credit Union XX/XX/XXXX - was given conditional approval after uploading supporting documents. pre-approval was based on credit score, income and a pending appraisal XX/XX/XXXX - application was denied by underwriting. No notice was given. They deleted my application so the loan processor could not find it. I waited for 3 weeks to get an appraisal that I was told was the only thing keeping that conditional approval from turning into a full approval. Instead of an appraisal, my application was denied and deleted. No reason given and no way to find out what happened.
Consumer complaint received 2020-03-20
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. (NY)

Transunion is continuously reporting multiple Unverifiable, inaccurate, misleading, inconsistent information on my Transunion credit report. As of XX/XX/2020 all of the following Accounts are in violation of FCRA rules and must be immediately removed from my TransUnion credit report. 



( XXXX XXXX ) This account can not be verified by original creditor a violation of FCRA rules and Regulations of the FDCPA section 809.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TN)

Today I received an alert from my credit monitoring services that this company has reported that I owe them a debt. I have never done business with this company nor have I ever entered into any contractual agreement with them promising to pay for neither goods nor services. I have never received any notification from them either
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
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: Nelnet, Inc. (AZ)

I am writing to file a formal complaint against Nelnet/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the Nelnet/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from Nelnet with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your  intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-31
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. (TX)

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Account Number : XXXX Original Creditor : CAPITAL ONE BANK ( USA ) N.A. 
Balance : XXXX This will be my second complaint I am submitting against XXXX XXXX XXXX before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since XXXX XXXX XXXX won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help XXXX XXXX XXXX. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (CA)

I filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.
Consumer complaint received 2020-03-20
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)

I filed a bankruptcy back in XX/XX/2009 and in my XXXX  XXXX  it shows that the bankruptcy record has been removed but my score still stays the same. Also, XXXX  has updated and removed from my record and my score has increased! 

I paid for a credit score and a credit report on the TransUnion website but it still says that I have a bankruptcy record under public records. 

Pls. Help me get this straighten out as Ive tried so hard to build my credit back to buy my first home. 

Thanks
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (IL)

This XXXX XXXX company just started reporting on my credit report an amount of {$1200.00} on one and the other of {$490.00} I don't know what these are for, they state is for XXXX College a college that closed its doors and is currently in a court case due to XXXX  student loans and they are claiming balances that has nothing to do with the student loans that I have thru the school. It is hurting my credit and I never received letters or anything from them explaining what those balances where for
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Since the beginning of the year, every single mortgage payment weve tried to make to Bank of America has been misapplied as principle curtailment. According to XXXX from payment research, Bank of America has a new system. Lets assume youve made your XXXX payment on XXXX. Your next payment is due XXXX. If you try to make your XXXX payment prior to XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, depending on the month, Bank of Americas system will not credit your XXXX payment ; rather it will automatically post it as principle curtailment, regardless of the directions enclosed with the payment ( either on the check or online ). Once the payment is misapplied, it takes Bank of America weeks to correct their mistake ( current wait time for payment received XX/XX/XXXX for payment due XXXX to be applied to XXXX payment is XXXX ). Assuming that what XXXX said was correct ( that the new system will only apply a payment beginning on the XXXX, XXXX or XXXX of the month for a payment due the first of the following month ), we effectively have a one week window during which we can successfully pay our mortgage by the due date. In the past, we could pay our mortgage up to 60 days in advance of our due date. As of this year, we have contacted Bank of America every month for six months to attempt to resolve this ongoing problem with their new system with no resolution in sight.
Consumer complaint received 2020-03-20
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: Experian Information Solutions Inc. (AZ)

I am writing to file a formal complaint against XXXX/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the XXXX/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from XXXX with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I contact customer service and the refused to take care of the negative inquiries reporting on my credit report. Please help me get this matter resolved. 

Thanks,
Consumer complaint received 2021-06-18
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. (FL)

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Please investigate if every piece of information is correct. If not, please remove it from my credit report
Consumer complaint received 2020-03-20
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. (CA)

I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.