davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

About 6 years ago an old private student loan, for a vocational school, I had through Navient ( originally XXXX XXXX ) disappeared from my online account with them. I was told by customer service at Navient it was discharged after sending them documents to prove my father, one of the names on loan, had passed away. Navient hasnt attempted to contact me in any way since then, potentially because I filled for bankruptcy since then. To this day I have no record of a loan in my name on their website but on XX/XX/XXXX my credit report got hit with a 60 day late payment from Navient on a loan of {$7400.00}. Ive reached out to them by phone several times, sent documentation of the mark on my credit and can not get an answer from anyone there about this problem or even if the loan exists still. In fact Ive been hung up on virtually every time I call wasting hours of my time. Im unsure what to do about this. Ive been a student working to get my XXXX degree for the last 5 years and had no way of knowing if this debt wasnt discharged like I was told years ago.
Consumer complaint received 2021-01-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my identity theft. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and has gotten into the hands of the wrong person. This lack of concern as a consumer is unsettling and disturbing as it is no fault that my information was exposed/stolen. I ask that this matter be corrected and updated immediately because I have sent in the required paper work as requested now I need you to enforce the laws here to protect the consumer.
Consumer complaint received 2022-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is update information to previous filed complaint against Bank of America Attaching the complaint numbers This is pleading filed today in XXXX case to vacate summary judgment. 
XXXX FHA case filed complaint at XXXX  XXXX Bank of America has done many illegal acts
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have continuously sent letter to the reporting agencies regarding my credit history and XXXX score. I have very little on my credit report less than XXXX in overall debt. Once credit card I have been fighting for months they refuse to remove. I did receive this card and closed it the very next month. For some reason they will not remove it. I have XXXX established accounts that I have used and paid in full each month for the past 8 months. I understand that the balances are low and I do not have very much by way of utilization, However, the reporting agencies at XXXX point raised my score to XXXX then seemingly dropped it down to XXXX, this is after I managed to get {$1300.00} in extended credit, which should have spiked my score. I have been DENIED an apartment and even the ability to turn on utilities. Me and my child are facing homelessness because these agencys dropped my score by XXXX points from one week to the next when I had added to my credit utilization not taken or used any. I am outraged at their practices and unfair lowering and raising of scores. I feel that they are not properly adjusting my fico score considering my income {$5000.00} per month to debt ratio ( {$1000.00} ) is extremely low. AT this point I am looking at options to sue and would like some advise as to what my rights are. THank you kindly
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

In XX/XX/2021, a payment in the amount {$13000.00} was to be paid towards the principal on loan # XXXX. The entire principal and interest at the time was {$13000.00}. I've just received a statement showing {$9000.00} for XX/XX/2021 statement and other charges not told to me by COLLECTIONS at the time I made the payment over the phone. THUS, My {$13000.00} was not applied to the principal loan amount.!!! 

In accordance with the loan agreement My MORTGAGE has been satisfied in full!
Consumer complaint received 2020-05-03
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX XXXX  Report Number : XXXX Equifax Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with Equifax XXXX & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing because I have become very saddened by XXXX XXXX actions and XXXX. They purchased my account from XXXX. I paid XXXX actions, and they have sent me letters verifying a XXXX balance for XXXX and for them, also I have documentation stating paid in full. They just refuse to remove off my credit reports, and it 's hurting me as I apply for XXXX requiring a XXXX and higher. When I called XXXX, to file a dispute I was told that there was no point of disputing this information. But, as I exclaimed to her and XXXX XXXX, this is no longer a valid debt, and XXXX XXXX had agreed to remove from all my credit reports once final payment was made. Since, I have made payments as agreed, I just want them and XXXX removed from all my credit reports. The XXXX is due to fall of next year, but it 's currently hurting me as I apply for better jobs, and look at buying a home. On Transunion, it does n't state paid,. Can you please help me?
Consumer complaint received 2023-04-13
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

There is a CH XXXX bankruptcy reported on my account filed on XX/XX/2014 is still on my report. I have requested The credit bureaus remove the Ch XXXX Bankruptcy as it is more than seven years and it is a XXXX. The files have been removed by the credit bureaus Then the CH XXXX derogatory reports have returned. I live in the State of Florida, the requirement is seven years the reports will be removed from date of filing. Also, I would like to add that every debt on the agreement with the debtor, BK judge and I have been resolved and has been satisfied in full.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX to contactdesk, XXXXXXXXXXXX Good Afternoon, I have from time to used your site to obtain a credit report. Each time I would be asked to pay the {$14.00} for the report and would gladly do so for the information Recently, during a routine audit which recurred reviewing bank statements, I became aware of subscription billing to the service, which I was unaware of up until this point. I am, however, confident that you can resolve this for me and we can reach an amicable resolution within 14 days. Please do not hesitate to reach out to me within the 14 days I will allow. 




Not Authorized : XXXX renewals at $ XXXX= {$730.00} Already Resolved : XXXX renewals at $ XXXX= {$35.00} ( contacted bank who disputed and refunded already ) Authorized : 5 times requested XXXX bureau score at {$9.00} billed ( requesting no credit back as approved this transaction ) Total unauthorized amount : One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX = {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} One time authorization for card # ending XXXX= {$14.00} Total amount claimed by me : {$560.00} ( I have saved every bank record as receipt of these charges ) My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Transunion login : XXXX Email Address : XXXXXXXXXXXX
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2023-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

Received a letter from Synerprise Consulting Service, Inc ( reference number XXXX ) stating they are a debt collector attempting to collect {$48.00} from a procedure at XXXX XXXX I had on XX/XX/22. I did not have any kind of labs/procedure on that date. I have called 6 different numbers attempting to locate anyone who knows anything about this service. Absolutely no one can tell me and sends me onto another number. I have XXXX and XXXX XXXX XXXX XXXX as my insurance coverage. I never receive an invoice on anything. Whatre XXXX doesnt cover, XXXX XXXX XXXX.
Consumer complaint received 2021-06-05
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: CULLEN/FROST BANKERS, INC. (TX)

I have been going back and forth with a company name XXXX  # XXXX for {$3200.00} start reporting only on XXXX  credit report since XX/XX/XXXX I have sent police reports correct driver license and XXXX  takes off and put back on every 45 days. This account do not belong to me what else do I need to but sue this company due to I never own this account this has been going on since XXXX. It is truly hurting me from jobs and credit. 
I have and account from Frost Bank # XXXX open XX/XX/XXXX overdraft in XXXX paid {$690.00} Full Balance. Only showing on XXXX  they are literally reporting a bank account that I had when I 1st open my account on my credit report as a charge off I have also been going back and forth with them also after having 3 account with them that are correct o On my Frost account # XXXX, is continuing show late payment for XXXX
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MO)

Chase/ JP Morgan has extended {$12000.00} credit Chase Sapphire Preferred on XX/XX/2020, They had also refused my extension of credit/closed my account & violated a consumer law XXXX Rules concerning extensions of credit.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (WI)

We were notified that our mortgage had been sold to Rushmore Servicing ( Mr. Cooper ) in late XXXX We then received a letter from them that their data was breached. We received a escrow analysis is XXXX, which we pointed out was wrong because they had both a city and county property taxes on their, both for the same amount. They finally corrected it and I received it before XX/XX/XXXX. The corrected analysis showed a lower payment of {$650.00} from the {$660.00} we were paying. We received a {$81.00} check from them because we had extra in our escrow. I went to make our payment on XX/XX/XXXX and the original analysis payment of {$880.00} was still showing. I called them on XX/XX/XXXX again for the XXXX time since XXXX to ask them to correct the online payment amount to reflect the correct amount, the person assured me that the payment amount would be corrected and that if we received a late payment that I would have to call back and they would take it off. And I quote she said, because none of the problems were from anything you did, it is on our end. So on XX/XX/XXXX I went online to make my payment and now the payment states {$670.00} plus, now I have a {$22.00} late charge ( because it wasn't paid by XX/XX/XXXX and our escrow is now shows a shortage again. On XX/XX/XXXX and XX/XX/XXXX have tried to contact them several times to get this once again corrected and all I get is their automated system that just keeps you going in circles. I have not to date, made our XX/XX/XXXX payment as I am trying to get this corrected. I don't trust this company, they have rating of 1.9 with 74 % bad reviews. I don't know if they are trying to swindle us or if they just don't have a clue what they are doing and are very incompetent.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has decided to do away with their MasterCards, which is their prerogative, but what they have done is taken the liberty to issue Visa credit cards to all of its MasterCard customers without their authorization. I now have a Visa card from USAA on my credit report that I never wanted or authorized. If this were a store card, such as a XXXX XXXX card, being created without my authorization, nobody would question that it would be considered fraud. How is this any different? 

The email I received last week was the first I knew of the change coming. The email said the MasterCard would remain open until XXXX XXXX. However, they have already performed a balance transfer from the MasterCard to the new unauthorized unwanted Visa card. I logged in over the weekend to pay off my MasterCard balance in full as I do every month, but all but {$24.00} had been moved to the unauthorized Visa card. Transferring money more than a month in advance of the MasterCard being closed without my authorization appears to be more fraudulent actions on USAA 's part. I called USAA and asked that the transfer balance be transfered back to my MasterCard and I would pay off the balance in full, but they said they could n't.
Consumer complaint received 2023-04-13
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: OPORTUN FINANCIAL CORPORATION (IN)

On XX/XX/2023 I received an invitation to check my rate for a loan and was told it would not affect my credit score. They told me in order to do the soft inquiry I would need to unlock my credit report. I unlocked my report like I was asked to do and received a call from them verifying my identity because I have a fraud alert on my file. They told me that they were not able to provide the quote and that I would get a letter in the mail. Upon examining my credit report today I noticed that I have a hard inquiry from them. I was mislead by the organization who insured me there would be no hard inquiry and my score would not be affected. 

I am writing to request the removal of unauthorized credit inquiry on my XXXX and XXXX credit reports. My latest credit report shows 1 credit inquiry that I did not authorize. I am writing to dispute the following inquiry and ask for their removal from my credit report.

Item 1. 
XX/XX/2023 Inquiry OPORTUN/PROGRESO FINANCI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

I'm working on a cash-out refinance with my existing mortgage lender to perform a buyout following divorce. Since XX/XX/XXXX the loan application has been pending approval. The approval is granted upon acceptance of an appraisal. From that date until XXXX, despite repeated and regular requests from myself and promises from the lender, nothing happened. Not a single appointment or phone-call from any appraiser. Eventually, I requested that they use an appraiser I had previously used myself. They finally agreed to this and an appointment was scheduled for her to come to take measurements and pictures. This appointment took place 3 months and 9 days after the approval process began. 

The appraisal appears to have been delivered on XX/XX/XXXX. I have no way of knowing this because I am not permitted contact with anyone within the approval department. 

Since this date the appraisal has been sent back 4 times for adjustments. 

My home has been appraised, more than once, for an average of approx. 475,000. I am requesting a new loan of 290,000. This represents a loan-to-value ratio of 61 %. This is a very low risk loan. I have been a customer of that lender for 4 years. I have never missed a payment. My credit score is approximately XXXX. 

The last time the appraisal was sent back it was because the approval company requested a " comp '' with a house which backs onto a commercial lot as there is a car park behind my house. I live in a small city ( pop 135,000 ), close to the centre in a historic neighbourhood. This to say that comps are always difficult due to this situation and having such a specific requirement ( backing onto commercial lot ) makes it even harder. I also question the need. How could such a characteristic reduce the value of a property to the point at which the loan-to-value ratio becomes too high for the lender to be able to accept the risk? The appraiser did find a comp, but for a house sold 2 years ago. 

I thought this was finally resolved and that the loan would be approved, but no. Yesterday the lender sent another question. 24 hours later the appraiser still hasn't received anything and has no idea what the issue is. Nor do I. 

I was told 3 weeks ago that my issue has been escalated. I see no impact at all in the efforts of the lender to progress this application. 

I need this money to buy out my ex wife, who is now threatening court as I am beyond the court set deadline. She expects 2000 dollars to give me an extension until the end of XXXX. 

Taking 4 months to approval a low risk loan is beyond absurd and I would like this to be resolved as soon as possible.
Consumer complaint received 2017-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Revenue Assistance Corporation dba Revenue Group (TX)

I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you