davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (NJ)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

Chase Home Mortgage My mortgage was sold to Chase in XXXX of of 2018. It was set up with an escrow account and I am on time with my payments. I received a tax bill on my home in XXXX, 2018 and paid the tax bill on XX/XX/18. The check posted on XX/XX/18. I realized that I should not have paid the tax bill directly, that the payment would be made through the escrow account, and I called the tax office and asked the check to be returned. They received the duplicate payment from the escrow account but they returned my personal funds to Chase. Chase held back {$3000.00} and refuses to return my funds, saying they have a policy to keep a reserve of {$3000.00} in the escrow account. 

These funds were my personal funds that were duplicated by mistake to the county tax office, should not have been returned to Chase, and should not have been received by them, much less kept by them and not released to me. If they have a policy of holding additional reserves for escrow they should follow that policy and communicate with their clients not confiscate funds that were mistakenly sent to them. They refuse to release the funds back to me that were duplicated to the tax office and mistakenly returned to them.
Consumer complaint received 2019-02-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (LA)

I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX  which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX. 
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero out!
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have signed up for a loan forgiveness program. However I am starting to believe this may be a scam. The company in which I have signed up with is called XXXX XXXX XXXX. When I try to contact the individual in which I spoke to originally, there is no way to contact him. There is an official website XXXX XXXX   XXXX This company is charging a fee of $ XXXXmonthly for 24 consecutive months. I was informed that a company should never charge a fee to enroll into a loan forgiveness program. Payments are taken directly out of my account to a company called XXXX XXXX XXXX. Account # XXXX. 

Contact information that I was given initially is XXXX XXXX | Enrollment Advisor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Direct Line XXXX | Fax XXXX Visit us at XXXX The contact number for this company XXXX.
Consumer complaint received 2018-09-10
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. (CA)

On this day I received an email from " Experian '' dated " XX/XX/2018. '' It inaccurately stated that my " Federal Student Loan '' was labeled now as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I've been paying student loans to Navient regularly for years. In XXXX I moved some money to a new savings account and updated my Auto Pay to the new account. Never in this process was I given any indication there were any issues. 

Today ( XX/XX/XXXX ) I noticed I had more funds than expected in that Savings account so I checked Navient and saw I was 'delinquent ' on the XXXX payment. When I went to the Auto Pay tab, there was no indication of what might have happened. My Savings account was still listed ( along with my the previous account which would have been able to accept the payment had they a 'backup account ' system, as many online payment systems have these days ). 

I called Navient and, after they read out my personal information ( address, name, phone number ) in a way that is in clear violation of security best practices, they told me that they tried to charge the new account, but my bank refused the charge. Turns out that I had used the account number system for the Savings account ( I used the Checking account structure vs. the Savings account one, which I didn't realize was a thing ). 

Navient 's response to the refused charge was to drop me from Auto Pay and send me an email with the subject " New document ready to view! ". Inside the email there is a big box saying : " Tax season is almost here. Starting XX/XX/XXXX, you can access your Form XXXX by visiting the new Navient.com ''. I assumed this was a tax email and ignored it. 

Now, I'm sure they aren't breaking any laws here, but the way the site is set up, and the way they deal with denied payments seems to be designed to make people fail. 
Why don't they verify that your account information is correct before letting you select them as the Auto Pay destination? 
Why don't they allow users to set backup accounts in case the primary fails? 
Why don't they title their VERY important e-mails with a more descriptive subject that communicates the urgency? 
Why don't they label or highlight the denied account in the Auto Pay section, rather than still list it as being selected for Auto Pay? 

There were so many ways for them to prevent my loans from going delinquent. 

Navient wants borrowers to fail. The Federal Government must partner with an institution that has a public mission, not a for profit company with a duty to it's shareholders to maximize profit at the expense of student borrowers.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

There are numerous of accounts that are listed on my credit report. I don't recognize any of them as I was a victim of ID theft. 103 Claims true identity fraud/account fraudulently opened. Please remove this data from my credit reports. Thank you.
Consumer complaint received 2021-03-01
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: STATE FARM BANK, FSB (GA)

someone has access to my personal information and is ruining my credit by making outrageous purchases. i have no knowledge of what or who this could be. i lost my bags in the airport summer of XXXX  going to Florida ever since it seems I've had problems in my life.i also filed a report with the FTC yet these companies refused to remove these fraudulent erroneous items from my credit report.
Consumer complaint received 2021-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

In XXXX, I transferred the balance owed to a no interest credit card. I took the amount from my personal page right down to the penny and transferred the entire amount. Now, they're trying to tell me I still owe {$64.00}. I told them to come back to me with aXX/XX/XXXX balance or I would report them.
Consumer complaint received 2018-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (TX)

XX/XX/2018 I received only 1 notice from some type of Law Office name RAUSCH, STURM, ISREAL, ENERSON & HORNIK LLP. regarding payment options on a written off debt from XXXX XXXX XXXX D/B/A. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. A few Days later without giving me by law ample amount of time to dispute that debt, that I have no knowledge of owing, This law firm filed immediate legal actions against me, and this was before the 1st payment due date XX/XX/2018 .On the legal document the law suit was filed on XXXX XXXX in Justice Court XXXX , County Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, This seem to me that debt collection Law office used an abusive tactic to the fullest extent, to scare me into paying that money assumed I owed, I am disable, living off a small fixed income, don't foresee me being employed in the near future, I contested that suit, sent to that court my Social Security Award Letter as proof of income, showed a copy of the only letter received via mail from that plaintiff lawyer, I informed the court that the statue of limitation has ended for XXXX XXXX to sue me, I didn't receive any papers showing that company has the right to sue me, Chief of title, original papers I signed, No paper trail showing missed payments / payments made to XXXX XXXX , tried to discuss the matter via phone with 3 of XXXX employees in their debt collection / and customer service dept, was told they no longer had my personal file it was given to a 3rd party agency which is that law firm- I also recently became a victim of identity theft through cyber breach and was notified by mail from one of the 3 major Creditor Bureau , not saying this is/ not my account- they did not Validated their claim regarding this alleged account that causing me to have reservation about this matter, I was also given just 14 days to respond to that courtroom, and on top of that I am still getting payment options letters from that firm -I 'm trying to recover XXXX  after XXXX, the worse storm ever to hit XXXX, no one should ever have to endure abusive tactics from collection agencies
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$1300.00}, {$1200.00}, {$630.00}, {$0.00}, {$0.00}, {$200.00}, {$2400.00}, {$990.00}, {$2400.00}, {$9000.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$990.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 

12. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.
Consumer complaint received 2022-06-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (IL)

I am XXXX  XXXX XXXX veteran. I am exempt from property taxes yet Guaranteed rates continue to collect these monthly. I have provided all required documentation and have had my county assessors office verify this as well. Yet they continue to charge me and will not refund my escrow overage.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. This is a major disappointment. My rights under the Fair Credit Reporting Act ( FCRA ) have been abused. THIS COMPANY HAS BEEN SENDING ME THREATS. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-07-15
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: DISCOVER BANK (OK)

I did not permit DISCOVER XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.
Consumer complaint received 2021-03-01
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. (TX)

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

XXXX states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Equifax state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting. 

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Consumer complaint received 2022-04-20
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. (TX)

There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

With dateXX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the XXXX of XXXX ( see Receipt # 1 ) On XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX  Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by this Agency : A.- AMSHER COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX XXXX , AL XXXX PH : XXXX and the last report was on XX/XX/. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX receipt cc.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (DE)

Hello, I received a new CHASE Freedom card in the mail today ( my old one expired ). The card also came with a second card for my mother, XXXX XXXX XXXX, who unbeknownst to me is listed as an XXXX on the account. I think she became an XXXX  because I previously did a credit line transfer from an old CHASE Sapphire card that she was an XXXX on, and her XXXX  status must have transferred over. I called CHASE today to have her removed as the XXXX. She was removed, however the agent could not answer my credit reporting question regarding how the account will report on her credit report. Will CHASE be reporting ECOA code of T and terminating her liability ( thus retaining all info up until the point of removal )? Or ECOA of Z to delete the tradeline altogether? The phone rep didn't understand and continued to state that CB reporting would continue for the XXXX, which doesn't make any sense - I wouldn't expect a J segment to continue reporting if I requested her to be removed off of the account. 

Can someone please explain to me whether the tradeline is deleted ( Z ) or liability terminated ( T ) when an XXXX is removed?
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (WY)

This is the third time that this same sleazy claim for taxes to XXXX has been made, and the claim is invalid as I was NOT a resident of XXXX for the year the claim is made having retired and moved to XXXX. By the way, XXXX does NOT have income tax and the XXXX claim is for income paid to me in XXXX and NOT XXXXXXXX This claim for taxes underscores XXXX XXXX desperation to prop up their failing state government. This is may be the first time that BC Services has made a debt collection for taxes not owed from me but they are chasing " ghost debts '' attempting to shake down money from those who do not owe that money. They should be publicly shamed and I will take legal action if they do NOT drop their effort immediately. That action in XXXX requires they come to the XXXX  Court and pay a filing fee, and they will be subjected to paying any and all legal fees involved including treble damages for actual debt claimed. BC Services is NOT listed as a XXXX company and has not listed a XXXX representative where a summons can be filed compelling their attendance for legal action. I do NOT owe {$170.00} to XXXX and this was discharged by two previous debt collection attempts. This is nothing less than a criminal shake down for a debt NOT owed.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions