davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The Equifax website will not allow me to see my information nor remove the credit freeze from my Equifax profile. 

Equifax asked me several questions which I had answered all but 1. The last question was " what was the exact date that you had placed your credit freeze and fraud alert? '' I do not recall the exact date and I had provided the year. They are saying that isn't enough, regardless of answering all of the personal questions correctly. 


I have been trying to resolve this issue for 3 months and I had mailed the requested documents to Equifax at the address provided from them in XXXX and XXXX. The requested information is attached which is my social security card, ID, and proof of address. 

No one at equifax will help me nor do they know where the documents went. 

My identity had been stolen and used several times before, and sending my social security card to companies are more than likely the reason why. 

Names keep appearing on my social security number and from Equifax as parties unknown had used my social security number since the early 1990s. I have experienced multiple issues with this and suffered financial hardship in becoming a constant victim of fraud. 

I have used FTC, local law enforcement, and various ID theft prevention services with no positive outcome due to my social security number being compromised in connection with Equifax.
Consumer complaint received 2018-03-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (PA)

In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I ran a credit check Q4 of last year and realized 2 of the 3 major credit reporting bureaus were missing my education loan accounts. XXXX   and Equifax do not see my XXXX  open accounts as existing,XX/XX/XXXX reports them correctly. 

I then contacted XXXX thinking this was a reporting error on their side. They got back to me stating they are indeed reporting, otherwise XXXX  would not be getting the reports and the " fixing '' needed to be done on the credit bureau side. 

I called XXXX  and their Dispute Dept. representative told me that XXXX is a " subscriber '' and they are receiving no information from them regarding my account. They also mentioned that I would need speak with them and have them get in touch with XXXX directly. Calls to Equifax were futile as I kept being put on hold and the line would drop. 

I then called XXXX back and was escalated twice to different supervisors and each level also confirmed they are indeed reporting the data and they do not know what else they can do. 

I need the CFPB to moderate the exchange as neither group seems to be able or willing to coordinate a problem solving relationship regarding my particular issue. 

As an additional note, XXXX is confirmed to have all the necessary documentation for this case.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (DC)

i purchased a air ticket with XXXX XXXX  through the Chase travel service. the flight was cancelled and Chase refused to refund me. I contacted the airline and they agreed to refund and indicated that the refund had been authorized. Inexplicably, Chase continues to refuse issuing the refund.
Consumer complaint received 2020-05-06
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: MARINER FINANCE, LLC (MD)

On XX/XX/XXXX and XX/XX/XXXX, Mariner Finance made initiated hard inquires on my XXXX credit report. At the time, I was delayed in repaying a loan in the amount of approximately {$630.00}. Mariner Finance sued me for the amount in question. However, I filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX, with a discharge on XX/XX/XXXX. I had earlier filed a complaint with the CFPB ( in early XXXX, I believe ) regarding Mariner 's hard pulls on my credit. The company 's response was that the contract permitted such credit pulls in order to confirm my current location. Mariner Finance was one of many creditors with whom I was late ( as well as being included in, and discharged through, Chapter XXXX  ), yet they were the ONLY ONE to initiate hard pulls on my credit. I believe that this was punitive on their part and had nothing whatsoever to do with " confirming my current location. '' It may be technically legal for them to initiate the credit inquires, but it is most certainly not ethical.
Consumer complaint received 2017-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LendUp Loans LLC (MI)

I received a notice from XXXX pursuant to Wisconsin Law for notification addressed to " Spouse of _______ '' of a payday loan with an annual predatory percentage rate of 243.33 % with a total payment of {$540.00} that my estranged husband obtained apparently last month without my permission or knowledge. I have filed for divorce this past summer and a temporary order is filed in the courts awaiting finalization soon. I have been unable to get a hold of a customer service agent for XXXX to let them know of this situation. I am a Michigan resident now and my estranged spouse obtained this loan in Wisconsin.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

XXXX : CITICARD XXXX ELITE PLATINUM SELECT XXXX XXXX XXXX XXXX 1. I made use of a 0 % balance transfer/purchase rate from Citicards a few months back with the understanding it would expire in XXXX, 2020. 
2. In the meantime, I have never made late payments and have been an outstanding customer for Citi over the years.

3. I had about {$5600.00} on the card in XXXX, whose promo rate was set to expire in XXXX. I proactively called Citi customer service and spoke with a manager and asked about extending the low interest rate or any other savings options available in light of COVID-19 4. I was advised in that ( recorded ) phone call that I would need to call back in one month when the cycle had ended, so that I could obtain relief. Relief measures included extending the same low interest rate for a few more months or transferring me over to a similar, low rate ( close to 0 % which was currently on the account ). 
5. I asked the agent to make notes in their system reflecting my detailed conversation.

6. I duly called back on XX/XX/2020. The agent advised me that there were no notes in the system reflecting any of my previous conversation or request in XXXX. 
7. I asked to be transferred to a supervisor. I was given a supervisor by the name of " XXXX '' with whom I spoke ( after obtaining clearances to speak as an " authorized user '' on the account ). 
8. XXXX told me there were no notes in the system and that she was unable to grant me any offers ( either as extensions or as low rates close to what I had been using thus far ).

9. Considering that I was specifically promised relief and considering Citi 's own self-announced relief for cardholders, and considering that I had not been in default, and considering my card loyalty for many years, I found Citi 's position aggressive, unyielding, tone-deaf and patently unfair. 
10. I am asking that CFPB investigate their behavior, summon all records needed, and make a determination as to their representations in this matter.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

My mortgage was sold to Flagstar Bank in XX/XX/XXXX. My homeowners insurance was renewed in XX/XX/XXXX with the same company ( XXXX XXXX ) that I have used and paid from escrow for 5+ years. In XXXX, Flagstar charged my escrow {$2600.00} for " Lender-Placed Insurance '' even though I already had homeowner 's insurance that meets their requirements. They did not call or email me before charging me this fee. If they had, I would have told them that I already have insurance. Instead, they sent me a letter on XX/XX/XXXX - 8 months later - informing me that they were charging me this fee. At no time was I aware that I had been charged previously. 

Based on the fact that ( a ) they are charging 3x the fee I currently pay for insurance ( not even obtaining a bulk discount ), ( b ) knew I had insurance from my prior lender, and ( c ) my insurance company ( XXXX XXXX ) knew that FlagStar held the mortgage, there is no conceivable reason for me to be charged this fee unless FlagStar sees the fees associated with Lender-Placed Insurance as a revenue generating stream for income. I would strongly recommend you look into their practices around this, as I received no notice before they began charging my escrow account XXXX XXXX XXXX  per year. They claim they will fix the error in 30 days, and I will be provided with a refund to my escrow, but this seems to be indicative of a larger problem with the lender that needs to be investigated to protect consumers that are not as careful at monitoring their activities. It is inconceivable to me that any company, let alone a lender, would not call, email, and send a certified letter before unilaterally imposing a $ XXXX fee, especially when it is 3x the market rate.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

This weekend I was out of town and again was charged {$34.00} six ( 6 ) times. As soon as I received a message from Chase I deposited funds into the account. I worked for WAMU  and opened my account in the year XX/XX/2000and then worked for Chase  until my Doctor placed me on permanent XXXX fixed income. As an Employee Account I should not be charged these fees. They just refunded 10 such fees last month.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

There is an account on Equifax from XXXX XXXX   that was paid on XX/XX/2017. XXXX XXXX stated they sent over a letter of expungment that the account was paid and should be removed. I have contacted XXXX XXXX multiple times but it is still showing on Equifax. I disputed on Equifax online still on my report.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DE)

This company, with whom I have no business, has called me three times this week during my working hours. They refuse to tell me what type of company they are or what they want. After looking them up online, they seem to be debt collectors. I do not have any accounts that are not under payment and have run my credit report to verify. I have advised to not call, yet they call still. They are asking for my personal information ( address, license number ). I have advised them if they have business with me to send in writing through the mail, but they become hostile demanding my address to " confirm. '' If they have this information, they can mail me, as I have no way to confirm who they are nor what they want. They are unable to prove who they are and quickly end call when you call them out for being scammers and harassment. 
XXXX has called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX XXXX has called on XX/XX/XXXX at XXXX XXXX ( XXXX, I have a copy of this recorded call as well )
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I contacted XXXX on XX/XX/XXXX and I explained to them in full detail that my home was in foreclosure and my sale date was scheduled for XX/XX/XXXX ... .I told them that I wanted to keep my home. I paid them {$2200.00} in XX/XX/XXXX ( drafted from my account ) for them to either stop the sale date or put it on hold to work out a loan modification plan. I was notified on XX/XX/XXXX that my home sold on XX/XX/XXXX and then they took another {$500.00} from my account in XX/XX/XXXX and stated they would try to have the foreclosure rescinded or get me cash for keys or a rent back option or they would file a consumer financial protection bureau complaint against them. Whenever I try to call or email or leave a voicemail with several individuals within this company ... .no one will contact me. No one EVER answers their phone, they have an answering service who ALWAYS transfers your call to a voicemail. No one responds to emails or voicemails until after it's too late. I have since closed my bank account to prevent them from drafting more money from it. To my surprise, I got a phone call from someone in the accounting department from XXXX today ( XX/XX/XXXX ) stating that my payment wasn't received ... .I explained to the gentleman all of my frustrations and told him that I would NOT pay them another dime for anything and he hung up on me. This company is a crook! I am currently 2 months into the 6 month redemption period of my foreclosed home ... ..I want some legitimate help redeeming my home! I want this company stopped once and for all and I want my {$2700.00} back please.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: H & S Financial, Inc. (CA)

This judgment is from XX/XX/XXXX. I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX  county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXXand I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MI)

I paid my XXXX XXXX XXXX bill through the Reliacard bill pay online on XX/XX/2020 in the amount of {$500.00}. According to Reliacards website It may take up to 2-5 business days for the payment to be applied by the Payee to your bill. On XX/XX/2020 XXXX XXXX still had not received the {$500.00} payment. I called XXXX XXXX CC to verify that they had not received the payment and was told no payment had been received or is currently pending. I then called Reliacards customer service ( XXXX ) at XXXX on XX/XX/2020 and was on hold for over 2 hours. The first person I spoke with was XXXX. I explained to her what was happening and she said she couldnt do anything to help so I asked her to connect me to someone who could. She connected me to a supposed supervisor named XXXX and he gave me several different reasons why the payment had not been received. First one was, the payment had not been processed yet and to give it a couple of more days. I told him Put a stop on that payment and credit my account back. He then said Nope, it has been processed and I should give it a couple more days. I explained to him what Relaicards  site said about 2-5 business days for the payment to be received. He then said to me I could cancel the payment online. I told him you can not cancel the payment on line after it has been processed. He told me to go to their site and he would walk me through. I went to the site and he told me to go to cancel payment button. I explained there is no cancel payment button and that the site says To Cancel a Scheduled payment, select Cancel. This was not a scheduled payment and the payment had already been processed. I believe he realized he was wrong and without saying anything, he hung up on me. 
This morning XX/XX/2020 I called back and waited over an hour. I spoke with XXXX and told her what happened on the last call and in a very rude voice she tells me According to our records you hung up on him. I wasnt going to argue and told her to put a stop on that payment and issue a refund to my account. She said ok, anything else? I said can I have a confirmation number for the canceled payment? She told me my CC ID was my confirmation number and hung up. 
Your help is this matter would be greatly appreciated. 
Sincerely, XXXX
Consumer complaint received 2018-02-01
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. (TX)

In XX/XX/XXXX, I noticed some charges on my account from XXXX XXXX that I knew nothing about. I immediately called Chase and reported the fraud. They refunded the money and sent me a new credit card. In XXXX, I noticed that these charges reappeared on my statement. I called Chase many times and was promised return call and never received any calls. In XX/XX/XXXX, I received a letter stating that Chase was going side with XXXX XXXX and that I would be responsible for paying for these charges that I know nothing about. I called Chase and closed the account because I refuse to do business with a company that will not stand behind me. Two days after I closed the account, I received a call from Chase that informed me to disregard that letter. He told me that the charges would be gone within 48 hours. The charges were still not taken off. I have spent countless hours discussing this with Chase and was informed that XXXX XXXX   supplied tracking numbers. I checked the tracking numbers and they were invalid. Yet, Chase still will not take these charges off my account.