davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (TX)

XXXX is attempting to collect on a debt for an illegal payday lender named Spotloan. They have called my work number after I 've informed Spot Loan and another company affiliated with XXXX that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another one of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. XXXX violated the FDCPA by contacting me at work after I 've asked the original creditor, XXXX 's affiliate, and XXXX not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX of XXXX I cancelled phone service with XXXX after 10 years as they were very rude to my wife and I and very unresponsive to numerous issues over that last 12 month period of service. I had moved my primary phone to XXXX in XXXX of XXXX due to service issues, and left XXXX lines with XXXX hoping they would improve there service. We were on month to month service plan and there was not a fee for canceling or moving service to another carrier. We paid our final XXXX bill for service in XXXX of XXXX when it came in. 

Then XXXX charged a cancellation fee of {$350.00} but never sent a bill to me. I did not owe a cancellation fee since we were on month to month service agreement. I did not find out about this until XXXX XXXX, XXXX when I ran an Experian credit report. XXXX had turned the bill over to XXXX XXXX XXXX in XXXX of XXXX and they never sent me bill. I never received a bill regarding this from XXXX, and did not receive anything from XXXX XXXX XXXX until I called them and paid them in full on XXXX XXXX, XXXX after tracking down a phone number and verifying what it was about. XXXX sent me confirmation of payment in full on XXXX. I paid it to simply get it off my record. I did not owe it in the first place. XXXX Instead of trying to provide adequate service to a long term customer, came up with a cancellation fee that did not apply in my case. And damaged my credit thru XXXX of XXXX with a collection account from XXXX XXXX XXXX. 
XXXX has removed this from my file. I would like XXXX and Experian to remove XXXX XXXX XXXX from my credit file.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

I have previously disputed the response from experian but i happened to notice on rereading it they say a creditor can report on an account from the filing date to the discharge date.This has been proved wrong by case law and a ruling against them in particular.In white vs experian they were ordered by the judge as to how to mark these accounts.Also when you file bankruptcy the automatic stay goes into effect immediately and any credit account no longer has a specific payment date.The plan in a chapter XXXX sets the date and whether a creditor or a cras agreement is irrelevant.This once again proves this enterprise needs to be run by a government agency and not be a privately held company.I will be writing my congressman and my ag about these very things.
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (TX)

I am eligible to have my loans reconsolidated through FedLoan.gov in order to enter the public service repayment program. My loan servicer, ACS, has refused for the past six months to provide the Loan Verification Certificate to XXXX that will allow XXXX to proceed with taking over my loans. This is despite weekly requests from XXXX and biweekly contact by me via email and phone.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Reporting on XXXX XXXX XXXX XXXX charge accounts were changed from a status of charge off, ( which they are ), to Placed for collection, Bad Debt, Skip. The last activity on these accounts was in XX/XX/XXXX and XX/XX/2009, and should be seasoned off my Equifax report. This new reporting has re-aged the account, and caused my Equifax score to plummet by XXXX points. I am trying to secure a new mortgage and this new report has caused me to have great difficulty in obtaining the mortgage. This line needs to be removed since it has met the 6 years 6 months seasoning period. XXXX, and XXXX have removed the accounts from reporting.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I submitted a dispute On XXXX XXXX, 2016 for some Tax liens that are reporting on my credit report. I asked for verification of these accounts since I have no knowledge of them. The accounts came back verified. I then wrote a letter ( notarized ) to the address and Court the credit report has on file. Well the Court has finally responded to my letter and its 100 % clear they did not Verify anything with Equifax. Under the Fair Credit reporting act Everything on your credit report must be 100 % verifiable and accurate. I have attached copy of the credit report Public record section where I ( Circled ) the case numbers and the Address to where I wrote court letter to, also attached is the notarized letter I wrote to the court and the Response Letter from XXXX County Register of Deeds Office that they have no records of these Tax liens nor do they report anything with any credit reporting agencies.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AR)

3 problems I have with Equifax and they are clueless to resolved the problems : 1. Still have n't received my credit report from them, I filled a complaint with CFPB, last month about this. 
2. On XX/XX/2017 I had a hard inquiry placed by XXXX on my file. I have been a XXXX customer for 12 yrs. Never applied for any new services with them. I called and all they said was send my Id and a bill and the would investigate it, still waiting 3. On XX/XX/2017 I received a call from XXXX, stating XXXX placed a Hard inquiry on my report. I have n't applied for anything with XXXX.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (HI)

A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (TX)

Effective XXXX XXXX, XXXX my mortgage was transfer to Seterus from XXXX XXXX XXXX. I was receiving statements prior to XXXX XXXX for over 8 yrs and four of them were during my Chpt XXXX. Seterus is refusing to send monthly statements after several requests in writing. They have yet to acknowledge acceptance of my request in written. On XXXX XXXX, XXXX thru my own investigation, I found they refused to renew my homeowner 's insurance with XXXX and that they had placed their own forced placed insurance on my home without notifying me. My insurance coverage had not lapsed in 9 yrs. Their excuse was I 'm in a active chapter XXXX and they do not have to communicate with me. My bankruptcy attorney has provided docs allowing communication between us and Seterus has verbally acknowledge letter is on file. Yet I can not get a simple, request for verification/proof of insurance. Instead they added insurance coverage and deducted the amount out of payments to Seterus causing a deficit. Imagine my surprise as I spoke with Seterus ' representative. After several days of conversation between Seterus, XXXX and my self, Seterus claimed they had removed the forced placed insurance and sent a check to XXXX ten business days ago. They claimed they refunded my account for insurance payments from the forced placed insurance. When I ask for proof, they " do not have to provide it to me as I 'm in an active chpt XXXX. '' By the way, XXXX has yet to received said payment. Another issue I have with Seterus is I 've been working to refinance my home thru HARP and they have done everything from sending out payoff that expires within XXXX hrs to refusal to provide 30 day payoff, to not giving a payoff that 's long enough for us to close on our loan. They state " it is against our policy '' to provide what seems to be an industry standard. Escalating in this company is pointless. Everything takes 7-10 business days to get, even if the error was on their part. They continue the same error over and over again and yet bill us each time. It takes them 7-10 business days to process your payment once they received it. Industry standards take 24-48 hrs for any of these type of requests. They never acknowledge anything in writing upon requesting information from them. This company is doing what they want to and always quoting it 's their legal right. What rights do I have as a homeowner fighting to keep her home?
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (MO)

A criminal in Massachusetts called Discover and requested a card in our name and number on XXXX XXXX, XXXX. Discover asked them questions which answers could be found on our driver 's license. They did not use security question answers which I assumed they would. They received a card on XXXX XXXX, XXXX and began charging at XXXX in XXXX, MA ( the first charge which was {$210.00} ). Then charged another XXXX charges at different times at XXXX each over {$200.00}. They also went to a few fast food places and a XXXX in XXXX, MA ( both charges over {$200.00} ). 
We found out about this when my husband tried to use his Discover card on Saturday, XXXX XXXX, XXXX and it was declined. He told me when he got home and I immediately called Discover Card Services. They said that they had sent out a card to a person claiming to be my husband, XXXX XXXX, in Massachusetts. I asked why they did not call me or email me to verify the request. They said that they had tried " several times ''. I never received a call or email. I told them that I had not received a call or email. I have credit card protection with them which I pay for annually. Some protection. 
Can you help us? 
This same scenario happening to us XX/XX/XXXX with our XXXX XXXX. 
They gave us the same response of having called and emailed several times. I never received an email or call. The charges also originated from Massachusetts. 
Something is occurring at these credit card companies that, in my opinion, appears to be internal.
Consumer complaint received 2016-01-26
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: DISCOVER BANK (NJ)

The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I'm currently in a process of a Re-Finance/Mortgage with another company. I received a notification from my Mortgage Broker and the Underwriter that Mr. cooper has place my account as a Disaster Relief Plan as of XX/XX/2021. I had not consent or had any knowledge of this ILLEAGAL ACTION, also they are not reporting my CURRENT NO LATE PAYMENTS FOR XXXX MOS. on the credit reporting system. This is defrauded the government money, defamed my credit and lied on my mortgage payments history. My Mortgage Broker and I was on the call with the consent of me that he may speak on my behalf, we ask them to correct and remove from credit reporting with a letter, within 24 hrs. as we are in the final stages of closing. They said no it will take 30days. This is from the rep XXXX XXXX stated she can only send a positive history transaction. in reference to this ILLEAGAL ACTION that they place " of their error. '' I was not affected by the COVID pandemics and I've been making my payments for many years. My family and I have reside in this home for 21 years. 
My Mortgage Broker had informed that NATIONAL STAR/ DBA MR COOPER has been sued multi times of defaming the government and their consumer base on the publications.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (CA)

Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.
Consumer complaint received 2023-02-06
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: CITIBANK, N.A. (GA)

Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. 

I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX 
I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. 
Since then, I subsequently placed a block all three credit bureaus. 
I have spoken to several XXXXacy credit/Fraud agents to no avail! 

PLEASE INVESTIGATE THIS MATTER. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

Barclay 's seems to delay posting of payments, perhaps to earn fees. This has happened a couple times, but they haven't charged me any fees ... until now. 

I mailed two payments onXX/XX/2021 : Check XXXX XX/XX/21 XXXX Check XXXX XX/XX/21 XXXX These checks should have reached them and been posted by the payment deadline of XX/XX/21. 

Today ( XX/XX/21 ), I received a statement incuding {$27.00} late fee and {$28.00} in interest. 

I feel like Barclay 's has intentionally chosen a payment address ( California - I'm in Illinois ) to maximize fees and interest. If they provided a closer payment address, payments would be subject to less delivery time variance. 

But I'm not convinced that is the only problem. I mailed both checks at the same mailbox at the same time. Yet they did not both post on the same day. So it appears that they do not necessarily post payments on the day they receive them. 

It all seems very suspicious to me. I do not feel that I should be penalized when I have mailed my payment 5 days before the due date.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX an unauthorized transaction from my PayPal account which resulted in {$1200.00} being transferred to the account of an individual with the following email : XXXX, whom I have no affiliation with. I did not realize this transaction occurred until it was withdrawn from my bank account on XX/XX/XXXX. Once it was realized, I immediately disputed the transaction with PayPal, as well as with my bank. Approximately 4 hours later, PayPal determined that the transaction was valid. I then contacted PayPal via phone to appeal the dispute. After about 15 minutes of appalling customer service, they agreed to open an appeal. While the appeal was being processed, I changed my security settings with PayPal and removed as much payment information as I was allowed to by PayPal. The transaction was also rejected by my bank. Following the rejected transaction, I stopped payment of any further transactions from the merchant XXXX AT PAYPAL. Despite the NSF return, PayPal informed me that, my account would go negative, and I will still be responsible to pay the money back. Meanwhile, while the appeal process was still ongoing, I noticed additional suspicious activity on my PayPal account where security settings were changed from a device I do not own or recognize, I informed PayPal of that information within minutes of realizing its occurrence ( XX/XX/XXXX ), on XX/XX/XXXX, the appeal was closed with the same determination, that the transaction was valid. At my next convenience ( the morning of XX/XX/XXXX ), I contacted PayPal via telephone to attempt another appeal, where I was told I can not appeal the transaction any further and that Im legally responsible for these funds. The customer service representative this time ( XXXX, employee # XXXX ) was excellent, she looked further into my situation and found some inconsistencies, that she would forward to the back office, I have not heard anything further from PayPal. 

The treatment and service I have received from PayPal is horrendous. I have been a faithful customer with them for 15 years and have never disputed a single transaction. The one time I dispute an actual fraudulent transaction, Im essentially called a liar multiple times and am responsible to pay PayPal back for allowing a criminal to steal money from me in a pandemic, where money is already very tight. I plan to file a police report very soon.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (FL)

I made contact with US Bank to seek a refinance mortgage on my house. I chose not to have an escrow which the bank agreed to charging me {$260.00} for the privilege not to have an escrow. Throughout the process I was never asked to have an escrow. It came up a few days in front of closing that I was required to have an escrow for flood insurance. Rather than delay closing I agreed to close on the loan and would ask for the {$260.00} paid for not having an escrow back. 

The first reply I got from the bank stated that payment for flood insurance had to be escrowed. The completely ignored my letter requesting a refund. The second reply I got stated the full fee of .25 % was charged which I knew. Then they said if the hazard insurance was waived then the fee would have been .125 %. Who would only escrow taxes but not insurance and this is totally inapplicable to my situation. Then when I again asked for a refund of the non-escrow waiver charge they re-mailed their letter to me. Their XXXX XXXX letter lied to me about it being a partial waiver charge. 

I contacted them by phone and told them that I intended to file a complaint about the non-escrow fee that was charged when in fact I do have an escrow. I feel very strongly that the bank came up with this partial waiver stuff when they had no way around the fact that they are charging me a non-escrow fee and escrowing me at the same time. The bank also made me sign a statement that said if they made a mistake they have a right to fix it and I have to allow them to do so. I also should have the same ability. 

The bank also pushed the closing into the beginning of the next month costing me a full months interest on the FHA loan with XXXX XXXX. I wanted to postpone closing till the end of the month but the bank said that all bets are off on the interest rate I had on the new loan. The broker also convinced me that I was not paying double interest by presenting me with false facts. Later I figured out what he said was a lie. 

I have included my letter to the bank and the letter I received. I am requesting you assistance in recovering the non-escrow fee of {$260.00} since I do have an escrow.
Consumer complaint received 2022-10-01
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: EQUIFAX, INC. (IL)

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity