davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

I have a XXXX loan dating from 2002. I pay {$380.00} per month. The loan was for {$52000.00}. I had one bad year financially and requested relief. They said fine and proceeded to charge me roughly {$6000.00} which was apparently added to the principal. After 14 years of payments, the principal is still {$43000.00}. Navient now has the loan. the loan is in my ex-wife 's name. I have always paid it. the student was my daughter.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the case was successfully completed on XX/XX/XXXX. I have been disputing XXXX account on my Experian that were included in my bankruptcy and should have been remove XX/XX/XXXX and have not. On XX/XX/XXXX I called Experian and emailed them the banckrupty paperwork from the US Courts and the person I spoke with told me " we have to go by what the creditors say because they subscribe to our services ''. Basically they go by what the creditor says even if it is incorrect because they pay them. I explained to the person that the creditors are reporting incorrectly by changing the filed date so that the accounts can stay on my report for longer. The person at Experian then said that he would submit the claim. On XX/XX/XXXX I received paperwork that said they could not use the paperwork that I provided them and that the accounts will remain on my report until XX/XX/XXXX. The paperwork I provided them is from the US Courts and they could not update my status with official paperwork from the court system that clearly states when my bankruptcy was filed and closed. The actual public record from the bankruptcy has been deleted by the courts and the creditors continue to fraudulently report items on my report. The accounts I am referring to are : XXXX XXXX XXXX, XXXX XXXX partial acct # XXXX. This account was discharged through the bankruptcy. 
( 2 ) XXXX ( XXXX ) XXXX XXXX, XXXX XXXX The first account is reporting as if it was n't included in the bankruptcy and it is reporting late payments. It was included and discharged with the bankruptcy. The second XXXX ( XXXX ) account
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (PA)

0n X/XX/2017 I paid my local personal tax via check. One check for my husband and 1 for myself. Both checks in the amount of {$9.00}. Both checks have been cashed but my bank still has not posted them on my account. They show that they have cashed them but refuse to post to my account. It has been over two weeks that they have cashed them.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX a debt collector called XXXX XXXX XXXX ( " XXXX '' ) unlawfully obtained a copy of my Experian credit report. The creditor did not have a " permissible purpose '' as defined in The Fair and Accurate Credit Transactions Act of XXXX ( " FACTA '' ). I have repeatedly reported this to Experian to no avail. Experian says it ' can not remove an inquiry ' which evidences a fundamental indifference to the complaint I am making. I have stated to Experian in no uncertain terms that it is not that I am trying to remove an inquiry from my report, but to prevent the infomation in my report from being released to one of Experian 's customers that has no legal permissible purpose to obtain the information. 

FACTA makes clear that " debt collection is a permissible purpose for obtaining a credit report under XXXX only in connection with a 'credit transaction ' in which a consumer has participated directly and voluntarily. '' XXXX ( XXXX ), XXXX. 

In this case, XXXX is attempting to collect on a beyond statute of limitations debt that allegedly arises from the towing and storage of a vehicle by a towing company. This is exactly the same situation in the XXXX case above, in relation to which Experian paid an {$8.00} XXXX settlement in XXXX. Likewise, in XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) the XXXX Circuit Court of Appeals held, just a few months ago, that a creditor may only lawfully obtain a credit report only if the underlying debt was in the nature of a credit transaction. 

Despite this, Experian is not vetting its customers to ensure this is not happening. Threre is no judgment, or contract, or credit transaction in this case. In fact, anyone can simply claim anyone owes them a debt but that does not then make it legal for Experian to divulge information in a credit report in violation of FACTA. 

An example of this extreme negligence on the part of Experian will now come in response to this very Consumer Financial Protection Bureau ( " CFPB '' ) complaint. Experian will conduct no meaningful investigation and almost certainly respond to the CFPB with a stock answer that does not address this complaint. Further, I expect Experian will do nothing at all to curtail the abuses of XXXX in unlawfully obtaining credit reports and using the information from those reports to harass the public. Experian 's indifference in this regard is a clear violation of the Fair Credit Reporting Act and Califonrnia 's parallel Consumer Credit Reporting Agencies Act.
Consumer complaint received 2017-08-15
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. (FL)

XXXX credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2017 this report incorrect never repaired. It does not show the same information as posted for my husband on our joint accounts. Also they failed to remove the credit freeze inhibiting access. They failed to notify the other credit bureaus. The dispute procedure is a farce and I could not add a personal statement. A sad joke.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

Equifax is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable accessible housing with this as a factor. credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already a public record and they do not report to any credit bureaus. I am being penalized as if this bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to my inability to to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if i had followed through and none of the forgiveness or debt relief.
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

A check was written to the Franchise Tax Board for the State of California in XXXX XXXX. It was stolen from my mailbox and altered to a fictitious name : XXXX XXXX and was cashed at a XXXX XXXX ATM in XXXX XXXX XXXX. I was informed that I had not paid my XXXX XXXX quarterly state tax payment by the Franchise Tax Board in XXXX XXXX. Upon hearing of this, I immediately contacted Chase Bank ( with whom I bank ) and informed them of this. Since then, an affidavit of Unauthorized Endorsement or Altered Item Form was completed. A police report was also filed. 
I was informed by Chase Bank that these funds were not recoverable because this was noted and filed outside the bank 's 60-day recovery time frame policy. The fact that this was clearly an altered and stolen check was never denied. The check includes my social security number as this is what the California State Tax Board requires. This is not typically on a check written to any entity other than the government. 
A formal complaint through Chase was filed and a local branch manager also worked through the corporate chain to file a complaint to help me recover the funds. I was informed that because it was outside the 60-day recovery time frame, I would not recover any of the {$4000.00} that were stolen from me and also stolen from the Franchise Tax Board. 
The difference with this case is that the Internal Revenue Service and the Franchise Tax Board works a year behind. They often do not inform of delinquent payments until a year later. Also, it is important to note that this can directly impact my ability to work. I am a XXXX and the State of California Licensing Board sent a letter to California XXXX stating that if the State taxes were not paid, our licenses would be revoked. This check being stolen from both me and the State of California has put my livelihood at risk and also my potential ability to pay future taxes. I can not pay my taxes ( especially if anything is owed ), if I am unable to work. Moreover, I am a XXXX in a country where we have a shortage of XXXX. XXXX. There is also a nationwide shortage of XXXX who care for XXXX XXXX. If my license were to be revoked, this could potentially have a direct impact on their health until a replacement for me was found. 
In conclusion : this is a check written for the State of California and the Franchise Tax Board operates a year behind. Also this checked has clearly been altered but it was noted until a year later because of the specific entity to whom it was written. This delinquency could have an enormous negative impact on my ability to be a productive member of society as paying my state taxes is directly linked to my ability to have a state license in good standing. Therefore, it is my request that the decision to recover the stolen {$4000.00} be re-evaluated.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.
Consumer complaint received 2015-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (NY)

Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BARCLAYS BANK DELAWARE (ID)

I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. Thank you.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NY)

Opened card at banana republic. Wanted to pay it off next day. Website was very difficult. Was told by rude representative that card will not be delivered for seven business days, and that I ca n't make payment without incurring a {$10.00} fee for a {$200.00} bill before getting my card. I will be traveling for the next month, at which point I will be in delinquency status, so I 'd like to get this done now. Only there is no way to do it. That seems quite ridiculous and unfair.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.
Consumer complaint received 2017-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

I refinanced my home in XX/XX/XXXX with XXXX. The collected taxes due - {$1800.00} - were to be paid from the closing proceeds. They also collected {$600.00} initial escrow for making my homeowners insurance payment which was due in XX/XX/XXXX. Before I could make my first payment, the loan was sold to LoanCare ( a XXXX company ). Everything seemed fine until sometime in XX/XX/2017, I received a notice that my homeowners policy has been cancelled due to no payment received. After a call to LoanCare, they made payment to restore my insurance. It was at that time, I noticed my escrow balance was in the negative by over {$1000.00}. I was unsuccessful getting any explanation from LoanCare, so I contacted XXXX to insure my initial escrow balance was transferred, which it was. I confirmed that with LoanCare later. It was at this time ( probably XX/XX/XXXX ), I was informed that LoanCare had paid my tax bill in XX/XX/XXXX. So I subsequently called the XXXX County Revenue Dept and they confirmed they had received two tax payments ( one in XX/XX/XXXX from the closing proceeds and another XXXX in XX/XX/XXXX from LoanCare ). They further informed me the duplicate payment had been returned to LoanCare on XX/XX/2017. I called LoanCare again ( this was about two weeks ago after I received my statement still showing a negative XXXX escrow balance ). The " customer service '' rep informed me their escrow payments are processed by a 3rd party who could not be contacted but that it takes 30-60 days to process returned payments. They could n't provide a contact at the 3rd party nor could they confirm they had even received the returned payment. Their website does n't provide escrow balance information so I can not confirm if it has been processed yet ( 60+ days later ). I also emailed their customer service department to request this be resolved and with the additional request that I take control of making these payments since they are so inept. No response.
Consumer complaint received 2018-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX. 

They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings. 

I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case. 

It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation. 

However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX. 

I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan. 

XXXX XXXX said - it looks like it has been wiped out of your account. 

If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX. 

These practices need to end. I'm at risk to lose my home ... ... .again. 

XXXX XXXX
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX XXXX, I saw a fraudulent charge of {$360.00} to XXXX on my Chase checking account. I immediately called Chase and reported the fraud ( within 30 minutes of the charge appearing ) and Chase flagged the purchase, refunded my money and said they 'd investigate. On XXXX XXXX, I received an email from Chase stating that the charge was accurate -- I called Chase who said their investigators determined someone ordered a laptop online and appeared in person later ( after it was reported as fraud ) at a local area store to pick it up with an ID. I called XXXX who confirmed that someone did pick up a purchase under XXXX XXXX at the XXXX XXXX store with another person. They would not give me further details except to confirm that the email used in the purchase was not mine. I have since filed a police report with the XXXX XXXX Police Department regarding this incident of fraud and possible identity theft.
Consumer complaint received 2023-01-05
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT XXXX 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.