davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The mortgage company was XXXX XXXX XXXX. XXXX XXXX bought XXXX XXXX from XXXX XXXX XXXX in XXXX. XXXX ceased XXXX 's operations in late XXXX due to the subprime market collapse. So now I am left with XXXX on my deed and no idea how to get a full reconveyance as the loan has been discharged. 

I wrote the Servicer SPS on my second mortgage. The second mortgage was also charged off in XXXX, and SPS did not notify me, and when requested proof of notification, they could not produce the proof that they notified me that the second mortgage of which was part of the purchase loan ( Combo Loan ). The accepted a short pay offer of {$2500.00} to pay off my second mortgage. Prior to all this, SPS denied me access to my account for four years, until I filed a complaint with Consumer Financial Protection Board. Since then they accepted my offer and sent me a full reconveyance. I do not know who owned the note and who the investor is ( owner ). 

It has been a long battle to save my home since XXXX. MERS, Robo Signers, Fraudulent Notices, companies going bankrupt like XXXX, then XXXX XXXX XXXX   stepping in but won't step up and help home owners, but state that they are the trustee but don't have authority to grant the re conveyance. 

Then on the account statements financial records, there are discrepancies of money as place holders and large amount of cash transfers that SPS can't explain when asked. 

This mortgage XXXX ( that is the account number they give me now ) the MIN number for the loan is not even available or listed on MERS at all, no record. I don't know what is going on. 

I am requesting that SPS send me a full reconveyance of the first mortgage due to the facts. 

Thank you, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX/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 a account without my written instructions
Consumer complaint received 2019-12-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in Advance
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-08
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. (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : 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 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

Equifax never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and Equifax failed to do so. They sent me a later stating that the information is updated which should of been deleted.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

there is a collection report that no matter what I do or talk to it keeps coming up in collections. there's 3 different companies who I suspect they are affiliated. the original creditor was XXXX ( I think it is charge off ), I think. The amount is for {$500.00}. I report it to experian that it is not my account. I have told them that I have report it to the XXXX XXXX XXXX. That is to say I reported my I D has been stolen, birth certificates etc. But still ecperian has the same results and does not change. They seem to have record to to help the collectors and not me. Also, experian has on file and have told me that my name/ID, has come up over 40 times in the deep webb XXXX And yet they don't believe me.That the info is wrong I don't owe any bills to XXXX. is there anything this agency can do for me?
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX has violated my rights. Or 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 2023-03-02
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: Southwest Credit Systems, L.P. (GA)

XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (OH)

On XX/XX/XXXX, XXXX XXXX  was scheduled to come to my home to install floors in 2 bathrooms. As part of the terms, I agreed to a one day install and to purchase the materials. The installer took the last material to be installed, stating he had something that would look better, and that he would return the next day. Since this was my second install with XXXX, and the installer had been to my home before, ( trusted him ) I did sign for completion. The installer never returned to complete the work and never returned the materials I purchased. I contacted the company and the installer directly until XX/XX/XXXX and then I filed the dispute. As of XX/XX/XXXX, the work remains incomplete. 

The work was to be financed by Fortiva Credit services. On XX/XX/XXXX, I opened a dispute with Fortiva. On XX/XX/XXXX, Fortiva denied my dispute stating I signed the certificate of completion, despite the fact that Id sent pictures showing the work was incomplete. Fortiva has now added this to my credit report for a total of {$1500.00}, for work and materials not provided as agreed. I disputed this on XXXX XXXX on XX/XX/XXXX and was advised today that the item would remain on my credit report. 

Last XXXX, Fortiva opened a second account in my name, without my full legal name on the card. When I realized this in XXXX, they insisted I opened the account by applying for credit online in XX/XX/XXXX. This is also inaccurate. I was able to close that account after multiple transfers with customer service. 

Fortiva recently sent my husband, at same address, a credit offer.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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 2023-02-03
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. (CT)

I have sent numerous letters to my mortgage company regarding fraud contract such as XXXX XXXX  not contracting venue and 18usc 1341 and 1342 and now my credit is impared. The mortgage is not even in my correct name. For the voidance of perjury, i require correct XXXX XXXX sentence structure. I have all documents. I have contacted the XXXX XXXX XXXX XXXX as well.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

I had an adjusted balance due on my Amex Gold card of {$2000.00} due on XX/XX/2022. I payed {$2000.00} on XX/XX/XXXX. I forgot to pay the remaining {$24.00} till XX/XX/XXXX, but paid it as soon as a remembered. I was charged a late fee of {$29.00} posted XX/XX/XXXX, but it did not show up in my account to me till XX/XX/XXXX. I asked for a refund based on my past payment history and because it was only one day late, but was denied through the Amex Chat. Since the {$24.00} was not going to be pulled from my bank account till XX/XX/XXXX anyway because of the XXXX XXXX holiday, charging a late fee, especially one that is larger than the remaining balance, for this payment seems unnecessary. Additionally, when I asked if this would be reported to credit agencies, I was told I would have to call a separate group, that it could not be answered in the customer service chat.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

XXXX, Exquifax and XXXX  are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.
Consumer complaint received 2019-12-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VT)

-- XXXX  set up and functional starting in XX/XX/XXXX. 
-- Account accurate, has funds. XXXX  due Sunday XX/XX/XXXX -- not processed as of Tuesday XX/XX/XXXX -- account listed as overdue/delinquent, with automatic payment pending. 
-- Called Mohela Tuesday XX/XX/XXXX, was told this is due to a banking holiday Monday XX/XX/XXXX, pending payment should go through by end of day Tuesday XX/XX/XXXX. 
-- Payment still not processed as of Wednesday XX/XX/XXXX. Account listed as overdue/delinquent. Called Mohela XX/XX/XXXX to inquire why payment for XX/XX/XXXX still did not go through as of XX/XX/XXXX -- told that the payments can take 3 or more business days to post (??? ). 

This is not how XXXX  works, and is incredibly misleading financially on so many levels. An auto payment for a Sunday should not need until the following Friday to process.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Upon reviewing my credit report I saw that Capital One reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : MY BALANCEON XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on capitol one! Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion, XXXX and XXXX are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.
Consumer complaint received 2019-12-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I dispute that my account was ever 30 days past due. While there is record of late payment on my account, all my payments were made before 30 days from the prior due date. I know this because i have bank records as well as a record of all my payments. As well as contact with the financial institution several times during the months of which they claim I was late and they have the recorded calls and it was never at any time mentioned to me that my account was 30 days past due. I know this because they would have reported this late status to the credit bureaus, which they never did until it was time to close my account, that of which I had already paid in full on the principal balance and it was only fees that remained. They have reported various dates of 30 days late in XXXX on one report, XXXX on another, and just for the account in general.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

equifax is supplied here again with the information to block reporting of dept of ed XXXX acct XXXXx.equifax is a scofflaw regarding the fcra.the dept of ed receives XXXX requests for credit correction, according to an outgoing executive.the dept of ed is overwhelmed and can not handle their workload, equifax damages me tens of thousands of dollars.
Consumer complaint received 2019-11-28
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)

XXXX XXXX is reporting a inaccurate last payment for a charged off account for XXXX  it is showing last payment was XXXX XXXX and for TransUnion it is showing last payment date XXXX XXXX Please verify and delete all inaccurate accounts