davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neat Capital Inc. (VA)

I applied for a mortgage with Neat Loans LLC, received preapproval and began the home buying process. 

Due to the nature of my self employment, the underwriter requested documentation about my line of work, and other clarifications. After submitting documentation, I was told the underwriter was satisfied and that the loan was approved. This included bank statements, YTD profit and loss statements, client contracts, and numerous other supporting evidence. 

Knowing we received this confirmation that we were approved, we proceeded with the purchase of the home including expending over {$800.00} on fees to complete multiple inspections of the property. 

With only two weeks from closing, I was informed on XX/XX/XXXX that the underwriter who had approved the loan had left the company and that a new underwriter was assigned to my mortgage. I was also informed the new underwriter had reversed the approval and requested that a XXXX tax return be filed before they would approve the loan. 

Unfortunately I dont have the ability to file my XXXX return yet, due to not receiving W2 and 1099 forms from employers. 

I made numerous requests to speak with the underwriter, or provide any documentation that could assist but was unable to speak with anyone else. They have decided not to honor their original loan approval and made false statements about their ability to lend, leading to me losing hundreds of dollars, dozens of hours in time investment, and a lost real estate deal. 

Its worth noting that the lending advisor stated numerous times on the phone that this was the negligence and error on Neat Loans part, and completely their responsibility. Most of these statements were made over the phone.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Aargon Collection agency is attempting to collect two debts that I do not owe. I've disputed both debts several times and the only reply I keep receiving is " verified. '' The original owner of the account is XXXX   hospital. I NEVER signed the financial agreement and both companies have refused to provide me with proof that I agreed to be financially responsible.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, I got out of school about the summer  of 2016 at University XXXX XXXX XXXX and I had put in a change of address that summer at the home I was living in and it kept sending it to my old address where I had lived before I left college and I put in a change of address at our local post office here in XXXX, PA and they said they had sent letters and documents to my house for me to fill out and get back to the loan provider and I never received any type of paper work or any type of payment option to get my loans paid off and it was negatively affected my credit score and it should be removed because the address was not a fault of mine.
Consumer complaint received 2023-04-07
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

paid off home equity line of credit on XX/XX/XXXX the company Specialized Loan Servicing still has not filed a lien release with XXXX XXXX in Pennsylvania. I have made several phone calls, emailed and they just have failed to follow thru and get the lien released filed with XXXX XXXX. I filed a complaint withXXXX CFPB on XX/XX/XXXX complaint # XXXX Specialized Loan Servicing has responded to that complaint and acknowledge that the loan was paid in full on XX/XX/XXXX. In their response they attached a copy of the Satisfaction of Mortgage that was dated XX/XX/XXXX. However as of Friday XX/XX/XXXX The Lien Release had not be received in XXXX XXXX Pa. In Specialized Loan Servicing letter dated XX/XX/XXXX they reference a number to call of XXXX XXXX XXXX XXXX when I called that number I was redirected to another number at Customer Care XXXX XXXX XXXX when I spoke to the Customer Care they could not assist me as they did not know why the Lien Release had not been filed with the XXXX XXXX Pa They told me to call back in 3 to 4 days. 
I have gotten nowhere with getting this company to file the Lien Release with XXXX XXXX Please help.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One credit card that has reported me several times in the past 3 months resulting in a 30, 60, 90 days late. I called up after the Corona Virus outbreak. I made an arrangement with them to break down the payments into 3 different parts which I paid on time. As it turned out in a taped conversation on Wednesday XX/XX/XXXX ( or XXXX ) at XXXX PCT. In that conversation I was never told that I would be reported late even though I made the payments as per the agreement. The emplyee in the collection department apologized for the " miscommuniction '' but said she could not do anything. I asked her if this apology was for her or the company. After she realized what she said she refused to answer my question on whose behalf she was speaking for. This is a scam. Further more they deleted any late fee 's as a courtesy. Again, they misrepresented themselves in the terms. In addition, they told me that in the original contract that is is stated in the contract I originall signed with them back in 2006. This was told to me after the fact. 

I ask you to subponea the taped conversation on the dates above. As I said it was either of the dates and order them to delete the late payments for this credit card 30 30 60 90 Quick Siver Capital One credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX I Account # XXXX, XXXX XXXX XXXX Account # 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 2021-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (VA)

On XX/XX/2021, i received a letter from Synergetic Communication, INc. stating that i ow a debt of {$7400.00} for some unspecified reason and a setllment amount of {$1800.00} was offered to me. The letter states that this debt is too old for me to be sued over as the statute of limitations has expired but there is no indication of where and when this debt was created. I have absolutely no idea what this is about and to the best of my knowledge i don't owe any debts to any one. I have no idea how to proceed with this as i am afraid if i send anything in writing to the debtor it will restart the statute of limitations and create a bigger mess for me.
Consumer complaint received 2024-02-01
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. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX 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 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 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 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (WA)

On XX/XX/XXXX I completed a balance transfer for {$5000.00} onto my Discover card. To this point the card was sparingly used and had auto payments set to " pay in full ''. After the balance transfer, this setting remained unchanged by Discover. There was no prompt for me to review my settings at any point. 

On XX/XX/XXXX, Discover attempted a {$5100.00} debit for the full balance from my checking account. The charge was declined by my bank due to insufficient funds, causing me to incur both a {$35.00} NSF from my bank as well as a {$16.00} charge from Discover. I contacted Discover customer service and informed them of the problem. I did not receive assistance in receiving credits for these fees ; they only offered to assist in changing my settings. 

I believe Discover was, at the least, negligent in allowing a pay in full payment setting to remain upon completion of a balance transfer. Obviously, people with the means and intent to pay a balance in full are not completing balance transfers in the first place. It defies logic. I believe there is a responsibility to, at minimum, prompt the user to review their payment settings.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (KS)

I advised SYNCHRONY BANK XXXX XXXX. XXXX XXXXXXXX XXXX, FL XXXX that the introductory offer of XXXX XXXX ends on XX/XX/XXXX, NOT on XX/XX/XXXX as printed on the statement I sent a letter on XX/XX/XXXX. I called your customer service on XX/XX/XXXX to point out the error. The digital letter I received does not address the reason for my phone call, i.e., the incorrect end of promotional APR printed on my statement. 
I sent a second letter on XX/XX/XXXX because an interest charge of {$63.00} was assessed on my statement ending XX/XX/XXXX.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (GA)

These inquiries listed below were not authorized by me. These are unauthorized inquiries and I am requesting these fraudulent inquiries to be removed. I do not have any of these accounts on my file and did not request any credit from any of these lenders. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-09-15
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. (OH)

In accordance to 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Listed are some additional XXXX  accounts that violated my rights, 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


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 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 2021-12-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$130.00}
Consumer complaint received 2019-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I've been repaying my student loans with Navient through an income-sensitive repayment ( ISR ) plan, with which I have to file a new form annually to certify my income level. 

My payment was about to go up as of XX/XX/XXXX, so in XXXX, I filed the ISR documentation. 

On XX/XX/XXXX, I received notice that my ISR materials were rejected because of the form of income certification I submitted ( tax return -- married filing jointly -- they needed a form that didn't include my spouse 's income ). 

So I resubmitted the documentation on XX/XX/XXXX ( this time, with the 2018 W9 form from the company I work for ). After submitting, the confirmation page noted that I should expect the form to be processed within 15 days. 

On XX/XX/XXXX, I contacted Navient because I noticed that I had still not received an updated payment plan from them. 

When I spoke to the customer service rep, she notified me that because I was on an Autopay plan, they could not process my ISR when it was received within 14 days of the payment due date. 

I asked to speak with a supervisor because 1 ) I submitted my first form in XXXX, then my second form on XX/XX/XXXX, so I knew that this was well within the time frame she suggested, and 2 ) I was never notified of this technicality re : the Autopay plan and the due date. All that was indicated to me when I submitted my ISR documentation was that it would be processed within 15 days. 

I was then transferred to the supervisor, Navient employee # XXXX, who reiterated that because the Autopay was scheduled for XX/XX/XXXX, the ISR could not be processed before that date. This made no sense to me. 

I expressed my frustration that this information was not made available to me at any point in the process, and that I was now going to be forced to pay a significantly higher payment this month ( over 3x what I normally pay ) because of these deceptive practices. 

She argued with me about it for some time, and even had the audacity to say that this higher payment would actually be of BENEFIT TO ME, because it would lower my principal balance. I explained that while it would indeed lower my principal, that would not benefit me if I couldn't pay my other bills. She finally agreed with me, saying, " I understand -- if you had known about this, you could've planned for it. '' Exactly. 

It's important for borrowers to maintain sovereignty over their own financial decisions, and not be deceived by information that is not made clearly available to us.
Consumer complaint received 2022-05-02
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. (TX)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- > {$13000.00} XXXX XXXX XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00}