davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (IN)

Discover card interest rates. 
I recently was laid off from my job of the last 7 years. The issue is with the fact that I contacted them and told them my situation. They were okay at XXXX but now they are demanding access to my checking account to make automatic withdrawals. I told them repeatedly that my income is only $ XXXX/week. They want all of it. I refused. After this, I took a look at the last 2.5 years of statements and saw that had only XXXX late charge ( XX/XX/2014 ), they never lowered my rate under 19.99 %. In XX/XX/2014 my rate was jacked up to the default of XXXX and never lowered. 
I also inquired about getting a refund on interest charges and they also refused.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.
Consumer complaint received 2016-12-22
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (AR)

These loans from XXXX have been sold to another lender that are also reporting to the CB. These Student loans are also Duplicates : Accounts ending in XXXX, XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

I was attending XXXX University when they lost their accreditation. They were granted accreditation for one additional semester in order for any students who could graduate to be able to do so. Since I would not be graduating during that semester I was not allowed to enroll in any class that final semester. I still have the email from the school stating I was not allowed to register that semester. Due to this fact I was no longer a student 129 days before the closure date. Just 9 days shy of the 120 day cutoff. I have written letters to Navient, the US Senators, and the president. US Senator XXXX was working on this case for me but Navient just kept saying they would not forgive my loans. In the beginning they kept letting me defer the loans and never offered me a lower payment. Finally I was able to get my payment lowered to XXXX/month. I paid for a full year and now they have increased my payment to XXXX per month! I currently still owe XXXX for a degree I was never able to finish. I could not transfer my credits to another school because there is not a school within a two hour radius that offers the same program. The most recent letter I have from the WV Higher Education Policy Commission states that I need to petition the secretary of education to have the period extended past 120 days. However, the letter also states that there is no written procedure on how to petition the secretary of education. I sent the email from the school about not being able to attend that XXXX semester to the senators. Senator XXXX stated the appropriate officials were aware of my case but I never heard anything further from him. Senator XXXX also sent me a letter on the same date stating he added the letter to my file, but I also heard any further. That was in XX/XX/2014. Both WV US Senators were trying to fix this for me and the issue still has never been resolved. Navient will not allow me to lower my payment or extend the length of term for when the payments are due. Is there any way that you could look at my case and assist me? I would be more than happy to fax you everything I have. Thank you for your consideration. XXXX, previously XXXX.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Like many people my age I have a crippling amount of student loan debt, almost all from the private lender Navient ( formerly XXXX XXXX ). I recently read about the law suit being brought against them and it was like reading about all my own horrible experiences ; I had no idea the CFPB were the people to report their behavior to, and I would like to disclose my miserable dealings with them as well. 

Shortly after graduating in XX/XX/XXXX I started making my payments. At first I was on a four year interest only repayment plan which was over $ XXXX/month ( that 's just interest! ). After that I started making payments of around $ XXXX/month. I have tried everything to get the interest rates reduced and release my cosigners but have been denied every time. I have called their Customer Service representatives ( which is a whole other complaint in and of itself, it 's like pulling teeth trying to deal with those mindless people ) and even took up my issues with their Office of the Customer Advocate. The response every time is " there 's nothing more you can do except pay the bill. '' But perhaps the biggest frustration has come when trying to pay more than the amount owed that billing cycle ... 

If I had a bill that was, say, {$1100.00}, and I want to pay extra? Good luck! First they will try to allocate the extra funds to your next billing cycle instead of applying it to the principal balance. They literally just sat on the money I sent and took it off the next bill while my interest kept accruing. And then if you call they give you some confusing statement about why that is, and if you get them to reverse it they will spread the excess payment out across all the loans. Getting them to apply the extra funds to a specific loan is an even more difficult task. When I asked how to make this go smoothly in the future they said to send a check with the instructions for the extra funds in the memo section. Tried that, same results as before. Another call with Customer Service, another 30-40 minutes of my life wasted, another XXXX ensues. Rinse and repeat every, single, time. 

I know what they 're doing, they 're trying to XXXX around with the payment in a way that is detrimental to the customer. Why listen to their request to apply additional funds to the loan with the highest interest rate? That means they wo n't get more money in the end! I 'm happy to repay the money I borrowed but this is absolutely insane. At the rate I 'm going I will have paid for my education several times over by the time I 'm done with Navient. It 's outrageous that they would even offer these kinds of loans to an XXXX year old kid. I guess that 's what the cosigners were for, and perhaps it 's my parents fault too for not recognizing the indentured servitude I was signing up for, but we were all products of the XX/XX/XXXX 's ... borrow everything, you 'll be fine! I was naive when I signed up and had I to do it over again I never would have done it.
Consumer complaint received 2022-09-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted Chase for both three of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by Chase not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 Chase discriminated against me for having a XXXX and XXXX  being unable to make on-time payments because my job was delayed in paying me and Chase charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from Chase discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

experian is reporting info of a civil judgement from XXXX filled XXXX 2009 this was resolved in a chapter XXXX bankruptcy.i talked to attorney that represented them he said the issue has been resolved and it should not affect my record but it is.this is the attorneys contact XXXX XXXX he told me as far as this matter it is closed.i want this resolved.
Consumer complaint received 2022-08-24
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. (NY)

I am a natural person, I am a living being, I have rights under 15 USC 1681..

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.I demand the rights listed below to be removed because According to 15 USC 1681. I have the right to privacy and i did not give equifax written permission to furnish these accounts. 

Accounts .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MA)

Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC ( GS & Co. ), which are subsidiaries of The Goldman Sachs Group , Inc.

The rewards points on my GM Rewards card administered by above company are not accessible. The website does not work : it will not send the verification code needed to access the rewards points. I tried to resolve this with an online chat and a phone call today ( XX/XX/22 ) without success. Both representatives promised that they would " escalate '' the issue and that I would be contacted by someone. I haven't been contacted by anyone. I just tried to access the rewards points on the website again, but it is impossible.
Consumer complaint received 2022-08-03
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX Acct # 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

I found that I am subject to my privacy as a consumer and I have not been convicted for any crime of these reporting accounts.
Consumer complaint received 2017-03-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

This is a group in XXXX that calls several times a day about the amaozon card. they do this even before the payment is due. they want you to wire the money or postdate a check to them over the phone(NO WAY)  they say they represent Synchrony Bank. I called the bank and they stated they were having trouble with that group and guaranteed me that i would not recieve anymore calls from this group in XXXX well this was good for a bout two weeks and then this morning they called again
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything.
Consumer complaint received 2021-05-18
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. (OH)

I had XXXX XXXX  up until XXXX of 2020. They sold me to XXXX at that time. It is a joint account, all three of my husbands credit reports show in good standing. 2 of the 3 on my name show in good standing at the time of the loan closing, but on the Equifax file, it shows 120 days lat in the payment status section and remarks section. Due to this, it is blocking me from doing a refinance loan on my home and I have great rates being offered to me as our scores are up over XXXX and XXXX. XXXX needs that removed to move forward and will not go forward with me until it is. 

I contacted XXXX multiple times. They informed me that my files shows I was never late but can not help me. The credit correction department can but, 1. doesn't have phones, and 2. doesn't have a manager to speak to. They won't even escalate it to any person. Tells me it may take 30 days or more to investigate and remove " if incorrect ''. 

This is utterly ridiculous and is going to end up costing me percentage points and money. 

I need help, I tried all the ways I could and the manner it should have been handled and XXXX has seriously failed me here.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have tried to several times to get said item removed from my report. The account is Fraud and each time i talk to the bank all they can tell me is it in the fraud dept. someone will call me but no one every calls. so how is it that equifax was able to verify it but I never get through. Someone at XXXX us my information to get a loan and they know it. I am asking that they please remove said item. Must I remind them of the case XXXX v. Equifax Information Services , LLC, Case. No. XXXX. I am prepared to take this to court I have all my notes and each person I have talk to there. My next move will be to file in court. All I ask is to remove said item XXXX account # XXXX this is my last attempt to handle this issue.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IN)

EQUIFAX IS NOT REPORTING MY MORTGAGE INFORMATION, CALLED SPOKE WITH THEM AND SPOKE WITH XXXX HE SAID FINALLY GIVE IT 30-60 DAYS BUT HE COULD NOT ANSWER WHY IT IS NOT ON THERE NOW. I HAVE HAD THIS MORTGAGE FOR AROUND 15 YEARS AND NO EXPLAINATION WHY IT IS NOT THERE NOW. I CALLED MY MORTGAGE COMPANY AND THEY TOLD ME THEY SENT REPORT XX/XX/2017, SO I CANT GET A STRAIGHT ANSWER WHY EQUIFAX HAS NOT REPORTED ANYTHING, THIS IS HURTING ME GETTING RE-FINANCE OF MORTGAGE AND CAR LOAN. I FEEL LIKE THEY COULD GIVE ME REASON WHY BUT HE COULD N'T. XXXX HAS IT, XXXX HAS IT BUT WHY THEY DONT I DONT KNOW. I WANT IT FIXED NOW! 
THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX ATTACHED IS FROM XXXX AND THE OTHER PAGE IS FROM HOME LOAN APPLICANT
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OK)

In XX/XX/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the XXXX. My wife is also an XXXX. They do not get paid in the month of XX/XX/XXXX. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are looking initiate the process of refinancing the mortgage in a few months and also further invest into our businesses. This mark against my credit score has severely impacted our ability to do so. I have consistently paid our mortgage and have not had any late payments until last month. My request is that the late mortgage payment be removed from my credit score. As of today, I have met the payment recovery schedule in completion. And we are on track to pay for our XX/XX/XXXX mortgage payment on time.
Consumer complaint received 2022-08-03
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)

i was young and didnt know anything about credit. when i checked my credit report i noticed i was a victim of idenity theft. there are accounts that i never opened. i do not understand how this was even able to happen. i have a fraud accounts : XXXX XXXX acct # XXXX {$730.00} ( ive never had XXXX and XXXX is no longer in business ) XXXX XXXX XXXX  # XXXX {$660.00} ( ive never stayed in florida a day in my life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} ( i never stayed in florida ) . 15
Consumer complaint received 2017-03-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Weber & Olcese, PLC (MI)

I am a single mother of XXXX children, who works part time XXXX hrs per week, XXXX of my children have XXXX and receive SSI XXXX benifets from Social Security. This company garnished my checking account which was from my children 's benefits which was being used for them and to pay bills. They garnished {$2200.00}. On XX/XX/2017
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (VA)

I am currently In the XXXX and my sensitive information stolen out of my vehicle XXXX of 2013. I was attempting to purchase a house and saw I had a chase credit card on my credit. I contacted chase and disputed the card under the grounds of I never received or owned a chase credit card. They proceeded to do the investigation and said that I was responsible for covering the charges. I currently have talked to multiple people in their chain of command and they all say I am responsible. I notifed them that my debit cards and my whole wallet was stolen with my social security card and all. They still said that I have to pay the total amount on the account. I do n't know what to do because I have never had this issue before and I do n't have a credit card other that my military one and my bank credit card.