davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

We have tried in vain for months to contact someone in person and by phone at Truist ( BB & T ) as well as the law firm they hired for collections regarding our account. We received a collections notice dated XX/XX/XXXX. After repeated attempts of not being able to speak with anyone or have a call returned, we are filing this complaint with the hopes of getting some answers regarding our home equity line. Weve been trying since XX/XX/XXXX to initiate a short sale process with XXXX  XXXX XXXX, who holds the first mortgage on our home. We put the home on the market for sale in XX/XX/XXXX but had no buyer interest due to deferred maintenance and possible structural damage to the house. Weve gone through months of paperwork and, in XX/XX/XXXX, XXXX  XXXX XXXX finally offered a loan modification and a lower monthly payment, which we could still not afford due to a job layoff in XX/XX/XXXX. Weve since had two contracts to purchase the home, both well under the listing price, but the buyers backed out because the process dragged on too long. We couldnt get any response from Truist ( BB & T ) regarding the release of the second lien and received conflicting information about whom was to make the request ( us/our agent or the bank ) related to the short sale. We now have a third contract and are working through the short sale process with XXXX  XXXX XXXX, although the loan was apparently service released to another mortgage company without us knowing ( we were told a letter was sent but we never received one ). We would like to ensure that Truist ( BB & T ) is part of the short sale process to see if we can get some of the debt repaid during the short sale settlement. We understand that the coronavirus pandemic has complicated matters but wed like to try to honor our commitment to pay back what we can. It's impossible to get hold of someone knowledgeable who can help answer our questions so please provide us with contact information and answers to our questions.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MO)

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX. I attended from XXXX. As a matter of fact, XXXX XXXX XXXX XXXX, was investigated by XXXX for XXXX XXXX XXXX XXXX XXXX. It is a part of the XXXX XXXX XXXX XXXX Lawsuit. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, XXXX XXXX XXXX XXXX, Other students were able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX, and their Fed. loans were discharged and credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

on XX/XX/XXXX I applied for rental property in XXXX, XXXX : and were denied upon pulling a credit check ... causing rejection of my application... ..I contacted the collection agencies handling these out standing debts after receiving my credit report ... these accounts has been open fraudulently and I did not authorize anyone to use my name, personal information to obtain goods and services for any purpose..Unknown to me there has been XXXX apartments application that were submitted without my knowledge and not by myself on XX/XX/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..I have contacted these XXXX property managment company and i am told they know longer handle the debt and its handled by a collection agency ... ..on XX/XX/XXXX I reported and filed a Identity Theft Report with the local police Department in XXXXXXXX XXXX  XXXXevent number/.case # XXXX ... on XX/XX/XXXX XXXX .i written letters to the 3 major credit burea concerning fraudalant accounts, victim of identity theft, and resolving this matter by deleting the debt from my name..the letters were mailed..disputting unauthorized debt
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (LA)

i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX my DOB is XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

I am unable to pay this debt due to financial hardship. No offer of a lower income assistance was offered by the original creditor, and isnow with a collection agengy. This has created a negative effect on my credit file with XXXX.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Dear Sir/Madam, I am still experiencing ongoing issues with Flagstar Bank regarding my mortgage and credit reporting, as well as misinformation about a foreclosure of my primary residence at XXXXXX/XX/XXXXXXXX, FL, XXXX. 
Flagstar has not corrected the foreclosure error in the county public records, as I was told by a gentleman named XXXX. He said he had worked in the corporate office. I was assured by him that i should wait and take no further action. This conversation was recorded last year in XX/XX/XXXX. 
Almost a year has passed when I applied for a home equity line of credit with XX/XX/XXXXXXXX. To my great surprise, my credit score had dropped significantly as I had 2 late mortgage payments reported to the credit bureau in XXXX by Flagstar Bank. During my conversation with XXXX in XX/XX/XXXX, I was informed that Flagstar would send a correction letter to the credit bureau immediately to remove the late mortgage payments. No correction letter was sent before XX/XX/XXXX after I personally called Flagstar requesting an update why did not Flagstar send to the credit bureau the correction letter about the mortgage payments. 
I have asked when the foreclosure error will be corrected in the county records as I was promised by XXXX in XX/XX/XXXX. To this day I have not received any written statement detailing what actions have been taken regarding my account and what actions are planned, including timelines. 
I was refused a home equity line of credit because my credit had dropped a lot after the foreclosure error. Had Flagstar reported the credit correction on time last year, I would not be in this credit situation today. In addition my mortgage broker had informed me that with 2 late mortgage payment reported, I could be refused a new mortgage from lenders. I am still receiving calls from real estate pros and coworkers as to the foreclosure. This makes me feel extremely embarrassed and ruin my reputation as a professional.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Assistance Inc (NV)

XXXX XXXX XXXX XXXX {$610.00} Opened ( XXXX ) Actions that were implemented were me informing the agencies that Under the doctrine if XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist. 
15 USSC 1681c-b never giving written consent to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681-6-C, B is never giving written consent to furnish or obtain my information because that is relating to identity theft. In accordance with the Fair Credit Reporting act. The List of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX has violated my rights.
Consumer complaint received 2022-08-14
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Auto Finance coded my credit report on all XXXX credit bureaus XXXX days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the Wells Fargo App with is corrected to my Wells Fargo Checking Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account XXXX supporting my compliant. My payment was not 30 days late.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

We have finally refinanced with another bank to rid ourselves of GM Financial. They have unethical billing practices, they will constantly lie and cash your check payment late marked late when it's 2 weeks early. They only cash checks once a month - that information came directly from the billing XXXX. Since this is the 4th attempt in under one year with this company lying to us, not cashing our payments on time, messing with our finical life, we are done. After another attempt to make a check payment this month- which was sent 2 weeks early - we had to put a stop on the check and pay by debit card with an added fee on XX/XX/24 when we called and asked why they didn't cash our check. They lied and said they never received it. Our check was dated XX/XX/24 and they said we submitted it XX/XX/24 - LIE! They are terrible liars and if this complaint can help anyone who currently has this issue, you have proof that they lie. I sent a photo attachment of this..
Consumer complaint received 2024-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (MD)

XXXX XXXX XXXX is a third party company who, brought off a XXXX XXXX XXXX XXXX Account from another 3rd party company from XXXX. The account is an old charge off from XXXX into XXXX with XXXX XXXX XXXX. Who XXXX XXXX XXXX, states on a letter sent out XX/XX/XXXX that XXXX XXXX XXXX XXXX is the original account owners. 
The 3rd party company in XXXX must have sold XXXX XXXX  the XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX in order for this attorney office Klima Peters & Daly Pa XXXX XXXX XXXX XXXX  to submit a threatening letter on a charged off account. 
The updated information on my credit report made it seem as if this is a brand new account but, its a charge off originated from another company. When I had no dealings with any third party companies in order for them to retrieve my social security number to update my credit report with their information. Which is a fraudulent attempt to collect a debt on a charged off collection account. The letter to receive monetary on an account that I never did business with their company nor has XXXX XXXX XXXX XXXX contacted me in three years to dispute these actions. It would be considered fraudulent to input on my credit report they were a collection company I had an account with as of XXXX.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-06-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was the victim of a wire transfer scam involving a business 's Wells Fargo Bank account. It was demanded of me that I wire, no other method was provided, {$67000.00} to the following Wells Fargo Bank Account on XXXX XXXX, 2016 : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. The Bank Wiring Instructions were as follows : Bank Information : Wells Fargo - XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Name on Account : XXXX, LLC Account Number : XXXX Routing Number : XXXX. This was a 'scam ' and a fraudulent wire transfer and there are numerous complaints against this business for these wire transfer 'scams '. Wells Fargo has a fiduciary duty to prevent and address such abuses by their business clients upon consumers. In addition, I am learning that transfers of these magnitude trigger many Financial Institution and IRS investigations. Per FTC Reference # XXXX, I was instructed to contact my own Bank to try to have this Wire transfer reversed and the Wells Fargo business client refused. My Bank has now opened a Financial Crimes Investigation.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans union asked for the account # for the debt I paid, and then we got disconnected. I called back as I had found it not even 3 minutes later and an automated voice told me I was being investigated, so I could not speak to any one. The trans union worker on the phone wanted the account # of the account I paid. It is account # is XXXX and the amount paid was {$140.00}, with XXXX XXXX XXXX.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (PA)

My identity was stolen and used to open a checking, saving, and credit card accounts at Navy Federal Credit Union ( NFCU ) at the end of XX/XX/2022. Since getting notice of this, as a result of an alert from one of the credit agencies ( early XX/XX/2022 ), I have been unable to get Navy Federal Credit Union to close the account and absolve me of charges made to the credit card. They recently informed me that my dispute has been denied, and that I am responsible for charges made to the account. The account -- and outstanding charges -- have shown up on all my credit agency reports. 

It has been extremely difficult and frustrating to contact NFCU and have them acknowledge and correctly investigate these accounts. I have spent hours on the phone with them ( mostly on hold ), sometimes getting switched multiple times between the security and fraud departments. When I do get to speak with someone, they tell me the accounts are valid, and requests by me as to how to provide the necessary information/procedure to prove this is a case of identity theft have gone unanswered. They also do not provide an reason as to why my claim has been denied, or what was the basis of their investigation. This past Friday, they actually hung up on me after being on the phone for over 4.5 hours ( again, mostly on hold ). 

Their business practices are simply unethical. And customer service is awful. They should have never allowed these accounts to be opened, and thus far I have not been able to get them to close them despite hours of my time on the phone.