davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I checked my consumer report and noticed items to be inaccurate on my report.

15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Taken directly from out of the IRS 2021 publication. 

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate. 
Which in fact your reporting of this account inaccurate! 
The IRS clearly says a cancelled debt or charge off is income. 
The reporting of this account as a debt is inaccurate. 
The above paragraph was taken directly from out of the IRS 2021 publication. 
Delete this inaccuracy from my consumer report immediately.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

1.Wells Fargo has sent me several Pick A Pay Loan Disclosures for loan # XXXX XXXX XXXX and each one has a different hand print and different dates and different address stated for the same disclosures. The Pick A Pay Loan Disclosure WAS NEVER SIGNED more then once. This is fraud that needs to be addressed. 
2. I am faithfully addressing the issue by requesting Wells Fargo Home Mortgage to accept a Certified Affidavit for Forgery Signature from a Handwriting Exert. 
3. I am requesting the address of were I can send my Certified Affidavit for Forgery Signature and name. 
4.Wells Fargo Home Mortgage will send me copies of documents but when I ask for a exact answer about a document Wells Fargo Home Mortgage over many months will not answer my question or give vague answers. On the document Wells Fargo Home Mortgage sent called the " Note " dated XXXX XXXX, 2004. On this Note Document I do n't understand what the address of : XXXX XXXX XXXX, XXXX, CA. XXXX has to do with the Note that is supposed to be for address : XXXX XXXX XXXX XXXX. 
5. I am not getting the answers to my questions I am requesting the mailing address of the CEO of Wells Fargo Home Mortgage in order to correctly address my loan concerns. 
6. I am now requesting the direct contact number to the fraud department Wells Fargo Home Mortgage.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo Dealer ServicesXXXX XXXX XXXX, CA XXXXAccount number : XXXXI rescinded the car loan according to TILA Regulation Z. 
I have not received my payments back. 
I have received the title although this is because the final payment was paid early with rescission notice following days later. 
20 days had passed with no notice of any objection to the courts about my rescinding the loan hence the bank has waived their opportunity to dispute their responsibilities under Regulation Z. 

They must return to me All payments and fees. 
I would prefer that they would send the value in XXXX to the following address:XXXX
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I went to XXXX school at XXXX XXXX College XXXX XXXX in XXXX from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX/Navient 's ( SMN ) deceptive practices over the course of last 8 years has left me in a crippling position with respect to my loans, private and Federal. The total original principal amount was {$200000.00} XXXX XXXX - {$96000.00} ; private - {$100000.00} ). For three years after law school, I was either underemployed or unemployed due to the market crash. Since 2011, I have made approximately {$63000.00} in payments toward my student loans. XXXX strong-armed me into recklessly prioritizing my private loans over my Federal loans. My current indebtedness is approximately {$420000.00} ( Federal - {$250000.00} ; private - {$160000.00} XXXX. 

For five years, I have been asking for a way to permanently reduce my interest rates. My XXXX private loans have rates that range from 8 % ( XXXX loan ) to 10 % ( XXXX loans ). Each year, XXXX enrolled me into a Rate Reduction Program that was initially sold to me as a way to permanently reduce my rates. Yet, every year I am told that I have to re-enroll for another year in order to qualify for a permanent reduction. In XXXX, I was re-enrolled and payments were set at approximately {$1000.00} ; this is in addition to the {$1000.00} payments to XXXX for my consolidated Federal loan debt at 7 % interest. In XXXX, I was told I had been rejected from the Rate Reduction program, that my monthly payments were {$1700.00} and I had to re-apply by submitting three months worth of bank statements ( and had to include 3 months of my sister 's bank statements because she had co-signed one of the loans ). I asked for something in writing explaining the application process and the Rate Reduction Program. I told the XXXX rep that bank statements seem awfully invasive. He threatened to write in his call notes that I was being uncooperative and had voluntarily rejected applying for the program. He also said that they were not allowed to share any written details of the program or the process by which they calculated enrollment/payments. 

I 'm completely at a loss at what I 'm supposed to do. My Federal loans skyrocketed because of the advice I took from XXXX five years ago. I have no hope for a future that is n't filled with crippling debt. I 'm XXXX years old. I have no family, social life, health issues due to stress, and no way out. I do n't want this to be the rest of my life. I do n't want to die alone. 

Please help me.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NC)

I have a credit card account that I use for big purchases and I have n't needed it for about XXXX years. I received a letter from Citi on XXXX/XXXX/15 stating that my account was closed due to inactivity. I promptly called Citi on XXXX/XXXX/15 and questioned why this was done and that I wanted my account to remain open. The representative stated that after XXXX months of inactivity that a program goes through and closes accounts. To reopen my account they would need to pull my credit report. I received no prior warnings that allowed me to take action before the account was closed nor is there anything in my online agreement that states after XXXX months of inactivity my account would be closed. I asked to speak to a manager and she was just as unhelpful and reiterated that there was nothing they could do but formally request the account to be reopened and that would require pulling my credit report.
Consumer complaint received 2016-02-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC (IL)

I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!
Consumer complaint received 2016-01-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Bank of America refuses to remove the incorrect information from my XXXX record. I have contacted Bank of America and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Bank of America is just not investigating. As a result of this, I cannnot open a bank account.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CA)

The credit line on my Discover card was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances, and no payment on my Discover card. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. For example, whatever was due on my Discover was due to fraud, and the Discover fraud department cleared all the unauthorized charges to bring me to a XXXX balance. My credit bureau report as of now shows XXXX balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Discover should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Discover reinstate my proper credit line of {$13000.00}.
Consumer complaint received 2016-02-22
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (GA)

I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MO)

Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...
Consumer complaint received 2015-04-24
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

I submitted a complaint prior XXXX and do not think it is right to have to wait 60 days for a response and still have this listed on my credit file which is inaccurate. I want this removed while this investigation is being held.
Consumer complaint received 2024-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

My mortgage company New Rez claimed I had an escrow shortage, and that my monthly payment would be increasing. They claimed my escrow was short by over {$9000.00}. I called the XXXX XXXX  XXXX to confirm this. Apparently there had been an escrow shortage of {$110.00}, however instead of paying that amount, XXXX ( on behalf of NewRez ) sent the XXXX XXXX  XXXX a check for {$9200.00}. Because the escrow shortage was only {$110.00}, the XXXX XXXX  XXXX sent a check BACK ( check number was XXXX ) for the overpayment amount of {$9100.00} in XXXX of XXXX. However, it seems this check was never credited to my escrow, which is now showing a shortage of that amount. I opened a complaint with them in XXXX of XXXX to investigate and see what happened to the check that was issued. I have spoken to someone every month at NewRez ( most recently started keeping notes since there has been no resolution- XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ), and still have not gotten an answer related to when this check will be applied to my account. They told me they were going to reach back out to the XXXX XXXX  XXXX to reissue the check, however I have not seen the results of that action, as I am still paying a higher monthly payment on my mortgage due to the fact they have misplaced the check.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (FL)

To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.