davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (IN)

You are absolutely correct it is a repeat of a previous problem. The reason it is a repeat is because you never answered my question. My question is why did you report me delinquent on a mortgage with XXXX XXXX when I was never delinquent and you never received such a report from anyone or anybody or XXXX XXXX. So answer my question why did you show me delinquent?
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation
Consumer complaint received 2023-03-14
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. 
This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 
1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. 
please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..
Consumer complaint received 2023-06-13
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)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2017-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (CO)

RE : Mortgage Refinance Loan Wrongful Denial.
I applied for a Loan with Bank Of The West ( BOTW ), on XX/XX/XXXX. This Loan application was Wrongfully Denied on XX/XX/XXXX. I will provide several reasons why ( XXXX XXXX appraisal ) appraisal on XXXX XXXX XXXX XXXX.
XXXX, CO XXXX, should have appraised for {$500.00} or more than the appraised {$96000.00} value and why I feel this loan was Wrongfully Denied. I will provide an explanation with documentation why ( XXXX appraisal ) appraised {$96000.00} value on ( XXXX XXXX XXXX XXXX. XXXX, CO XXXX ) should have been enough to qualify loan for 4 % interest. Balance on XX/XX/XXXX is actually {$540.00} less than the balance on transaction history in ( XXXX ) Enclosure, page 3. I received the first copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' in the mail from BOTW on XX/XX/XXXX stating appraised value of {$96000.00}. I noticed statement in this 1st copy of appraisal claiming that the ( Cost Approach Value ) of {$99000.00} supports the ( Sales Approach Value ) of {$96000.00}. I made a complaint to XXXX XXXX on XX/XX/XXXX about the appraisal stating : My '' Garage/Carport is listed as 405 Sq Ft at {$37.00} Sq Ft equaling {$14000.00}.
My '' Garage/Carport is actually 1,152 Sq Ft at {$37.00} Sq Ft equals {$42000.00}.
I received the second copy of ( XXXX XXXX appraisal ) " Date of Signature and Report XX/XX/XXXX '' via BOTW online portal.
This appraisal has a {$27000.00} correction that increased the ( Cost Approach Value ) {$17000.00} on appraisal.
Appraiser and XXXX XXXX insist this {$17000.00} increase to the ( Cost Approach Value ) to {$110000.00} still supports the ( Sales Approach Value ) of {$96000.00} and does not change appraised value of {$96000.00}.
( XXXX XXXX appraisal ) enclosure - page 12, ADDENDUM, FINAL RECONCILIATION I disagree with XXXX XXXX  statement. The ( Cost Approach to Value ) of {$110000.00} supports an Appraised value much higher than {$96.00}.
I DO NOT consider the " effective age '' of my property " similar '' when my home 's " effective age '' is 19 years newer than Comparable 2.
There should be a {$4000.00} credit on Comparable 2 " Actual Age '' column, due to my property being 20 years newer than Comparable 2.
The incorrect statement of six ( 6 ) rooms above grade on the ( XXXX XXXX appraisal ) is a deduction that should have been credited to my property on the ( XXXX XXXX appraisal ). There for increasing the property 's value.
The driveway actually being CONCRETE should increase property value a minumum of {$500.00}.
Total Principle paid on balance after Loan application date of XX/XX/XXXX prior to Loan Denial is {$620.00}. There by reducing the amount the property needs to appraise for by {$620.00}.
Appraisal of {$96.00} should have been enough to qualify for {$73000.00} loan at 4 % interest proposed.
This Loan application was Wrongfully Denied!
THANK YOU,
Consumer complaint received 2024-03-05
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. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (DE)

I fell behind on the mortgage payments because there was no more overtime at my time between the years of XX/XX/XXXX and XX/XX/XXXX. Since this I have lost my job as my job was relocated. I am seeking employment. I have tried for numerous modifications from the mortgage company ( Chase JP Morgan ) and they have denied me with no options. I have lived in my home since XX/XX/XXXX. I do not want to loose my home.
Consumer complaint received 2020-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (CT)

On XX/XX/XXXX, I applied for a Discover Personal Loan so I could transfer the balance of my high interest Discover Card. I've been a Discover Card holder for 5 years, and they've made thousands of dollars off my high 19.99 % interest rate on a balance that's ballooned to {$12000.00}. I was denied and told HIGH UTILIZATION ON BANK REVOLVING ACCOUNTS LOAN TERM DELINQUENCY HISTORY ON BUREAU REPORT My credit history spans 28 years, 5 months. I have no delinquencies on my credit report. 

I believe this is retaliatory in nature. Two weeks prior, I'd contacted Discover via their app to ask for a lower interest rate. My credit score was XXXX, and I have no delinquencies to any account in my name. I was instructed to check for any balance transfer offers. But again, I asked for a lower interest rate. I was asked WHY I wanted a lower interest rate? I said who wouldn't! I asked again for a lower interest rate. This time I was asked what my reasons were ... .was I experiencing financial or personal hardships?? I repeated that I was requesting a lower interest rate. Guess what the customer service representative replied? " Great question! Are you asking for a lower interest rate on your existing balance? ". I told her I'd been asking her for a lower interest rate for 15 minutes. I was then offered two rates, 16.99 % for 12 months on new purchases or 9.99 % for 6 months on new purchases. I told her I wasn't interested in either. 

Then she tells me ... .get this ... .that she thinks the 0.99 % interest repayment program sounded like an amazing offer. WHAT? I wasn't offered 0.99 %! At that point she apologized and said she'd been taking care of two customers at a time and that the offer of 0.99 % wasn't for me. 

OUCH. No late payments, high balance, and five year payment history with Discover ... ..28 year credit history overall. 

Two weeks later, I applied for a Discover Personal Loan to pay-off my HIGH-INTEREST Discover Credit Card debt ....
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Smith, Cohen & Rosenberg LLC (NC)

Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my XXXX credit bureau after it was already investigated and removed. XXXX is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've made timely payments every month, sometimes 4 times a month because the credit limit is so low + I like the reward points. Still, they seem to " randomly '' but conveniently select my account to verify the funds and if I'm the signer of the checking account to which funds are released. They continue to do this all while taking my money, but when I make more than two payments, it creates a red flag?! Give me extra credit then! They freeze my account, create issues with auto bills, and create embarrassment when shopping at stores because the card declines every they " randomly '' check that I'm the signer
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (AZ)

Around XX/XX/XXXX, I was fraudulently charged for services that the company never rendered to me. I had an appointment for a dental procedure which was cancelled completely 4 days before that appointment I was then told to go to another dentist in a different town as my only option. However, when Got there ( XXXX XXXX ) the dentist did not perform the procedure on me he only rinsed my mouth and sealed the opening with putty and I was then told by him to go to another dentist to finish the job ... When I got to the new dentist they put a cap on the area without doing my treatment whatsoever and said I was done. The next day I called the dental office XXXX XXXX and told them that my work was never completed. The lady lied to me and denied everything and Ive been contacting them for months. Already paid XXXX $ for the cap that they put on but realized I was being charged another XXXX $ for work that was never performed. I noticed the charge on my credit report and disputed it XX/XX/XXXX and have been contacting them ever since with no results about why I am being charged for work that was never done.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

Hello, I have a bank account at Chase Bank and I deposited a cashiers check on Friday XX/XX/2020. It was a guaranteed check and it was not available to me for withdraw on Monday XX/XX/2020. Not even the first XXXX $ like it says on their contract. Well I called them Monday Around XXXX and explained why there was a hold on my check. And the first XXXX $ was not available to me like it states in their contract. Well the lady I some to was very nice and sweet, first of all. So I don't know if it was her or really the other banks fault like she stated to me, on the reason why they couldn't release anything to me that day because, the other bank has a hold on it until, XX/XX/2020, which is very ridiculous if you ask me. I have no money and haven't went back to work and I have a car payment and things I need to pay in order to survive at this time. So for them to hold it that long is ridiculous and then they shouldn't say they will release some of it if they won't. XXXX and XXXX. I have departed larger checks and they have been avail e to me same day or the next business day so why hold this one? I think chase is no good and they never answer their phones. If they do you have to wait hours just to get thru. This is not okay for us who bank with banks. We r suppose to trust them. Now what am I suppose to do with XXXX kids?
Consumer complaint received 2021-11-11
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. (OH)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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. (MA)

This is my complain that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from the identity theft. The following items are fraudulent and I want you to remove : XXXX XXXX XXXX # XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX  XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$480.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX  ) XXXX XXXX : {$480.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MA XXXX ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : Balance : {$14000.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$480.00} ; 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 EQUIFAX MTG XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My Transunion credit score has dropped from XXXX to XXXX in a weeks time due to me shopping around for a loan for a new house. 

I was told, which I believe is correctly, that shopping around for a loan in a specific time frame should not impact my credit score. IE multiple inquiries for Mortgage within a 45 day timeframe should count as a single inquiry. 

However, Transunion is showing multiple inquiries and impacted my score significantly. ( -45 points )
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Welcome Home Finance (PA)

We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CO)

My husband had an account that was sent to two different collection agencies. The debt was paid in full to one of the collectors and we received a Release of Liability for the debt. The second collection agency was Nation Credit Adjusters. This agency has continued to harass us. We have sent them all of the information for the debt showing it was paid. We even wrote to the credit agencies and had their negative item removed with our proof of payment. NCA continues to hire process servers who contact us and advise us ( once we have sent the proof of payment ) that we will not be contacted .... 2 months later we are contacted again. 
This week, we received a letter from XXXX XXXX XXXX , XXXX. This letter advised of notice of Bank levy .... How can we make this stop