davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

On XX/XX/XXXX of 2020 I signed up for a program to consolidate and pay off my student loans through a provider called XXXX XXXX ( https : //docuservice.us/ ). Since becoming a part of the program I have made the following payment to the program : XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$170.00} XXXX {$170.00} XXXX {$170.00} I have attempted to contact the provider on several occasions to make sure that my payments were going to my loans. After hearing nothing from XXXX XXXX, I contacted FedLoan who stated that this provider was not recognized.
Consumer complaint received 2019-03-20
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. (SC)

Circa XX/XX/XXXX, I originally wrote to the company Equifax in regards to disputing/verifying several collection accounts that were being reporting in my credit file. Some of the disputing accounts included XXXX XXXX   reference number XXXX and XXXX XXXX XXXX XXXX reference numbers XXXX and XXXX. 

Equifax responded by writing back to me stating that the account belonged to me. I then responding back by writing them back on XX/XX/XXXX to inform Equifax that the accounts had been investigated and deleted/removed on my other credit reports. The investigations from the other credit bureaus resulted in the accounts being removed/deleted. Supporting documents were provided as proof that the accounts had been investigated. After 30 days the accounts were still being reported in my credit file. I then wrote Equifax again on XX/XX/XXXX requesting their method of verification for the said accounts. Please note that Equifax at no point in time ever provided me with any account-level documents to verify disputed accounts. Later Equifax begin reporting another account XXXX XXXX  XXXX reference number XXXX**, be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt. I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Equifax for this account on XX/XX/XXXX after Equifax claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately. It has now been more than 30 days from my last dispute correspondence with Equifax. Please be advised that Equifax has not responded back within the 30 day timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Equifax comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Equifax more than 30 days to produce documentation to verify the account. In that time I provided documents showing that the accounts were investigated and deleted with other bureaus. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Equifax, and copies of certified USPS receipt,
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CO)

In XXXX I had a Discover credit card which went into collections and was ultimately closed in that same year. Discover confirmed with me that the account was in fact closed in early XXXX. In any event years after any kind of statute of limitations has run, in XXXX they filed a 1099 C Cancellation of Debt with the IRS. I never received a copy nor was I aware of this tax form when I filed my taxes in XXXX. In XXXX I was insolvent due to economical hardships and filed as such with the IRS on other debt that had been canceled that year. 10 years later -- XX/XX/XXXX the IRS has notified me of an issue with my XXXX tax return because Discover filed a 1099C without my knowledge. I have contacted Discover who says they are allowed to file a Cancellation of Debt this far out. That can not be correct, isn't a debt canceled when the company ceased collecting and the payor stopped paying? I requested that they issue a corrected 1099C form but was told the issue would go into their consumer fraud division.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Received mail with name + XXXX on it and it was from Chase. Some applied for an XXXX XXXX with my address. Chase has been doing this for the last year, now that it has come to my attention.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Our mortgage was transferred from XXXX to Rushmore Loan Management at the beginning of XXXX. We received a request in XXXX for our HOA condo insurance declaration, which we submitted to Rushmore 's vendor imcovered.com/rushmore. I uploaded the hazard insurance declaration and received an email confirmation that it had been successfully verified. 

In early XXXX I received another notice asking for verification and again uploaded the hazard declaration to imcovered.com/rushmore. Again I received a confirmation that it had been successfully verified. 

On XX/XX/XXXX I received a letter from XXXX stating that hazard insurance had been added to my account and I needed to pay an extra {$120.00} starting in XXXX! I spoke with " XXXX '' in the insurance department and was told they couldn't verify the insurance from the declaration, so I gave them the number of our insurance agent and he said he spoke with them and verified our coverage. 

Afterwards, we received a letter stating that our payments starting in XXXX included the insurance premium of {$120.00}! I called and spoke with " XXXX '' who said we needed to provide our personal condo policy declaration page, which I did. Today I received a letter that we were receiving no refund and on the phone, " XXXX '' said we owed {$580.00} for the " time the policy was in force at the beginning of the year. '' This is extortion! We proved that our policy was in force since XX/XX/2019 and I don't know if this is some kind of collusion between Rushmore and " XXXX XXXX '', their insurance carrier, but it is not a productive way to maintain customer service.
Consumer complaint received 2023-04-18
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. (CA)

i was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this
Consumer complaint received 2022-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC (TN)

im being attacked by a subsidiary of XXXX  trying to collect on something i had removed from my credit reportXXXX XXXX.i have not had them in a long time and had a clear balance on my account i demand to see the original contract and my signature on the contract .there is none this is a scam from another big corporation abusing their power under the f.d.c.p.a. XXXX  keeps abusing their power when will you cfpb stand up to them and demand the original contract and my signature on that contract.it says i owe XXXX but XXXX  has one on me for XXXX i think its just a change of numbers or cooking the books as they say.im being harassed by these companies ..if something is not done and these items removed from my credit report that are subsidiaries to XXXX  ..ill be left with no choice but file a commercial lien in a amount that this company or no lawyer can fight.ill file with the secretary of state. i under penalty of perjury am telling the truth under the dod act ive also been violated against by XXXX  an sequium asset solutions..i have used XXXX XXXX XXXX  for two years. i use this site for help against corrupt companies and i have had very little luck with this company.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo intentionally miscalculates an escrow account shortage to raise the monthly escrow payment. 

I received a letter dated XX/XX/XXXX saying " Your escrow account has a shortage of {$120.00} '' My monthly payment will now be increased. 
In " Part 3- Escrow account projection '' and " Part 4 - Escrow account history '', they make a projection based on the current payments. However, they only enter the payment for 11 months and omit payment for the current month - XX/XX/2019. This payment is coming - it is just not due until XX/XX/XXXX. So they make a calculation with 11 out of 12 payments and then state there will be a shortage. 

The missing escrow payment of {$490.00} would more than cover the {$120.00} shortage. This " shortage '' is created by the intentional miscalculation. A reasonable person would project with 12 payments and see there is no shortage.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (NJ)

{$60.00} is the amount owed. I sent them a validation letter and they sent me back copies of paperwork that has not my name, social or signature. It has someone else 's name, social security number, insurance information and signature. I am only listed as an emergency contact.
Consumer complaint received 2018-10-15
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: CITIBANK, N.A. (NJ)

On XX/XX/XXXX, I was charged a {$95.00} annual fee for my Citi / AAdvantage Platinum Select World Elite XXXX credit card. On XX/XX/XXXX, I called the card issuer, Citibank, to close the account and thus have the fee canceled ( within the 30 days allowed, following the date of the annual fee charge ). During my phone call, Citi offered me an incentive of a {$95.00} or {$100.00} statement credit to keep the account open. The credit would be applied to my account if I spent at least {$1000.00} in the next 90 days. I accepted the offer, did not close the account that day, and charged {$2600.00} to the card later that day ( XX/XX/XXXX ). On XX/XX/XXXX, I noticed that the statement credit had not been applied to my account and called Citibank to ask why. The representative with whom I spoke acknowledged the error and said the credit would be applied in 1-2 business days. Today ( XX/XX/XXXX ), I noticed that the credit had still not been applied to my account. I called Citibank to ask why. The representative said I had not fulfilled the requirements to receive the credit because I had not waited a day after receiving the offer to make my qualifying purchases of at least {$1000.00}. I don't believe I was told that the offer would not be in effect until a day after it was made. I told Citibank this on the phone today and requested that they apply the promised statement credit to my account. They refused, so I closed the account and told the representative that I would file a complaint with the CFPB. This is that complaint. I ask that the CFPB contact Citibank about this and have them make good on the promotional offer they made me on XX/XX/XXXX, the requirements of which I believe I fulfilled.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX, Equifax, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Consumer complaint received 2023-03-08
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. 
By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have had consistent problems with Wells Fargo applying check payments which are specifically identified as monthly mortgage payments and are in the exact amount of my monthly payment due.   Wells Fargo continues to misappropriate these payments instead of recognizing the payment as the next monthly payment due.   I spent a long time on the phone with their representatives but with the exception of one payment they refused to correctly post payments to my account in line with what I directed at the time the payment was made.  In speaking with several Wells Fargo representatives it appears that the bank has purposely structured their systems to ensure that payments are booked against principle.  The back clearly has a vested interest in doing this as the mortgagee who thinks they have actually paid their mortgage ahead is now hit by a late fee.  In my case that's a XXXX fee!  I would urge the CFPB to exercise its powers to ensure that payments clearly identifiable as monthly mortgage payments are booked as such and not misappropriated.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

My name is XXXX XXXX XXXX. As of XX/XX/XXXX, i received an alert from XXXX XXXX reporting a decrease in my credit score from a reported delinquency. This delinquency was reported from Navient Student Loan Servicing Department of Education XX/XX/XXXX. I was not notified at 30,60, or 90 days to rectify this situation.Once i contacted Navient, i was informed that information regarding my loan and payments was being sent to a completely wrong email address.Due to the lack of communication with my loan company, my loan fell delinquent, resulting in a 90 point decrease on my credit report.I have not had this issue ever in the past. My email has been XXXX, since XXXX. Please update this in your records.This has cause me so much frustration. Moving forward i would like to keep the lines of communication open with Navient. Also, my contact # XXXX
Consumer complaint received 2018-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NV)

I disputed multiple times with the original debtor and then the debt collector capio partners. I disputed withthe bureaus and when they would not send proof to me or them I know it has to bew because they have none. I have had health insurance my entire life. Capio can't send proof even when asked to produce it they just generically reply back " debt verified '' They may honestly think the debt is valid but they should have to prove it. I have always had medical insurance since the day I was born so obviously not mine again. After no results through multiple disputes w/ all bureaus, All I was allowed to do was make a consumer statement on my credit report to the bureau but that did not help my credit it basically did nothing. 

Please help me and please tell me my rights, and what I am entitled to do. How to retaliate and get this corrected. 

I would also like to take some sort of action against them as they should not get away w/ this and should be made aware and change their policies of " verifying '' a debt. This is completely unfair to consumers! 
Someone told me something about the Burden of Proof in the Fair Credit reporting act years ago, when I had a similar problem. This happens all too often. Can we look into all the violations of all the times I requested proof and received nothing and fine them? Seems like that's the only way to get through to unfair practices being done to consumers by companies. Please tell me what disciplinary action is taken against them once I am proven correct. 

One more thing ... How do I report that these companies owe me money and then when the bureaus ask I will just report back " debt verified '' very generically. I would like to give them a taste of their own medicine! 

How easy is it for companies to report incorrect information? Seems to me it must be very easy? What kind of compensation can I get from these companies? Home prices are on the rise and I can show proof of my Home loan inquiry and credit score dropping and home prices rising here in XXXX XXXX! 

Sorry for the long message, so many questions, and all the scenarios. please call me with any questions or answers to all of my inquiries
Consumer complaint received 2019-09-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group (TN)

I am the victim of identity theft. I have written to the debt collector named on my credit report  Ascendium Education Solutions, Inc XXXX XXXX as well as the credit reporting agencies. The alleged debt was deleted from my credit report but Ascendium Education Solutions, Inc XXXX XXXX  has yet to reimburse me for the funds that were stolen from me by way of tax refund offset. I requested the funds be sent back to me but I got no response. The funds that I am requesting are mine and should not have been taken in the first place.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

Santander is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

Santander has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX, & Experian are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I am a veteran of the us military, after retiring I decided to get a newer model car, XXXX XXXX financed the car to me, my wife was hospitalized for a few months and all of the bills fell behind. I continued to make payments on the car last week the car was repossessed and a week later the bank sent me a default letter saying that I would lose my car if a monthly payment was not made.