davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I received a letter from XXXX on behalf of Navient, offering to settle the private student loan debt claim against my account. The settlement offer was very desirable to me. I was preparing to accept the agreement and make the payment after some legal research and advisement, but two days later I received a letter stating that the previous settlement offer was in error, and they actually wanted more than triple what they asked for initially. There is nothing on the original letter that would arouse suspicion, such as any percentages or other numbers not adding up, nor did it sound like a misplaced decimal, so this was shocking to me. I felt emotionally crushed after being misled all weekend into thinking I would finally resolve the debt claim. It is not the first " error '' settlement I 've received, and I 'm wondering if this is a tactic to trick the debtor into engaging with the collector in order to acquire information and/or reset the clock on the statute of limitations.
Consumer complaint received 2017-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

My in-laws passed away on XXXX and XXXX, respectively. Shortly after my mother-in-law passed, when my wife ( her daughter ) and I went to settle her affairs, we discovered she had an outstanding home equity loan with Chase Bank, among other debts. Although we were able to quickly and painlessly settle all of their other debts, after more than 5 months of trying we have been unable to persuade Chase to permit us to pay the outstanding balance. Instead, they continue to send foreclosure notices addressed to my wife 's dead mother, and most recently had a note posted on the door threatening to break in and change the locks. When we originally contacted Chase in XXXX, we faxed them both death certificates. They then removed my father-in-law 's name form the loan, but proceeded to send my mother-in-law foreclosure notices, despite us calling them multiple times and even once showing up in a branch with a check made out to them in innumerable repeated attempts to pay off the loan. Several weeks ago, they finally sent us a Third Party Request, which we returned asking to be authorized to speak on behalf of my dead mother-in-law, that they " continue to review '' while they continue to drag their feet and inexplicably refuse to take our money, all the while interest and fees continue to accrue. The repeated threatening letters to my wife 's dead mother, and the threatening notice stuck on the front door today, combined with the inexplicable refusal to accept payment, seem at best to be an attempt to extract additional interest from the loan, if not to outright seize the property.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have had to hire several credit repair and spend over XXXX with companies within the last twenty four months. This was to request to have old items removed given that they are past the Statue of  Limitation. These items are holding me XXXX for a better life for myself and my Family.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

There seems to be numerous inquires on my credit report that I did not authorize and Equifax reinserted some that they took off but reinserted them without informing me nor validating the inquiries. Equifax breach has really caused lots of consumers major fraudulent problems. I have reached out to the fraud team department of the creditors and alerted them that I did not authorize these inquiries and they stated to dispute them with Equifax which I have done so but Equifax keeps sending me a pre made letter stating they verified them when they have talked to no one regarding these unauthorized inquiries. 

The unauthorized inquiries are : XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX-XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX-XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX 

XXXX XXXX Inquiry fromXX/XX/2020. 
XXXX XXXX-XXXX  Inquiry fromXX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXXXXXX  Inquiry from XX/XX/2020 all these inquiries are unauthorized and they need to be removed immediately!
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

While checking credit report I noticed collection activity from National Credit Adjusters. I have been a victim of identity theft and fraud in the past. Individuals have used my information to apply for payday loans, utilities, etc.
Consumer complaint received 2017-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

I received an offer for refinance from Chase Mortgage in late XX/XX/2016 and on XX/XX/2016 Chase sent over a representative to execute a closing on their behalf. My wife and I signed all the documents and we thought we had just saved some money on interest and finally out of our modification loan. However, last Friday I received a package from Chase informing me that they would give me the opportunity to catch up on my loan? I called their customer service department and explained my situation and no one seemed to have a clue what was going on. After 3 hours on the phone with them, one of the service reps was able to figure out that my new loan was never processed and that i was still on my original loan with no changes made??? This is why i was late because one of their specialists told me to not pay my XX/XX/XXXX payment as i would not have a payment due until XX/XX/XXXX. I then reached out to the Title company and was told by XXXX ( XXXX ) that the problem stemmed from the appearance that i had two secondary liens when in fact i only had one but this stopped the process. Problem was no one at Chase nor the Title company informed me about anything and now I have incurred late fees and surely negative hits to my credit because of this not to mention the thousands lost by not being able to secure my new loan. I have been trying to reach the Mortgage Broker ( XXXX XXXX @ XXXX ) for several weeks and Chase keeps ignoring me. for what reason i do not know? I would appreciate some kind of restitution at minimum for my late fees and credit damage and to be honest the treatment from Chase is less than fair or caring considering i 've been paying them for more than 20 years. I think it 's embarrassing that a bank leave it 's customers high and dry no contact with such a serious mistake they have made by not letting me know the circumstances. It is extremely embarrassing for me and my wife to have to call in and pay back payments i should not owe and made felt like a nobody for non payment. This is ridiculous! what happened to Fiduciary duties the bank is supposed to have? I do n't even know what to do as the Bank I trusted wo n't even call me back?
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (MD)

Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Equifax is reporting my an overall debt increased that resulted on my XXXX score decreasing by over XXXX points. This information is incorrect! I 've been reducing my debt significantly monthly. On personal loans and car loans alone, my debt decreases over XXXX dollars monthly. Yet because I made use of XXXX credit cards last month by an amount much lower than what I paid to several accounts lowering my debt, this company decreased my FICO score. I believe this practice is deceptive. If I understand correctly the XXXX score is calculated from 5 factors. I was unable to submit a dispute on line.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: COMMERCE BANK (CA)

called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (OH)

The account XXXX XXXX Bank on my credit report was paid in full and I was told by XXXX XXXX XXXX XXXX who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.
Consumer complaint received 2020-08-12
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: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-08-12
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. (NY)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX My employer is The XXXX XXXX XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PASTOR XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

I have fees that come out of my account and my wife 's accounts. Also, they done my wife 's account nsf and had her account all jacked up. But as soon as her check went in it all started with the nsf went away and the money in question disappeared too. 
Requested an appointment to see a bank agent in which couldn't see the closest bank but had to see the one 12 miles away from me. 
Still they had no explanation, and claimed they don't see it now.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Purchased for XXXX $ with XXXX $ down in XXXX they put me in adjustable rate mortgage and escrow payments are now 3 times as much at XXXX $ per month from XXXX starting payment was XXXX $ now payment in XXXX is XXXX $ with principal and interest XXXX per month Also paid for XXXX I PURCHASED TGE HOME XXXX I never qualified for XXXX XXXX A D WASNTED TOLD I WOULD BE HAVING AN ADJUSTABLE RATE MORTGAGE THATS FRAUD
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!
Consumer complaint received 2016-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

XXXX XXXX To : CFPB On XX/XX/XXXX my father past away due to a XXXX and my mother was the executive of his state. A few months later I was place on the loan for the mortgage and the deed was registered under my name and my mother 's name and also the house with was already XXXX XXXX dollars in late fees. I reach out to Green tree to start the loan modification because of financial hardship. A few months later Green Tree sold the loan to Ditech Financial XXXX ACCT # XXXX. Ditech sent me a packet witch, include a hardship form to fill out and send back to them. I sent all my financial information including my mom 's financial information we had to fill a XXXX form at least 3 to 5 times, I send them the copy of the deed and a copy of the lease agreement twice. Every other month I fax them my paystubs my bank statements Witch seem to lose or misplace every time. They never contacted me I 'm the one always calling everyday trying to get an update and every time I call my loan is always in review and an a few days later they say that my loan was denied because I did n't send them the paper work in a timely manner. They always request the same information throughout the loan modification process. Even if I had already sent them all the paper work they require. I reach out the Ditech on an everyday basis to find out if am missing any paper work do they need any paper work they say no and a day later they say your application is denied because you did n't send the proper paper work, than I have to start the process all over again. Threw the months I reach out to Ditech they say my account is in review and they ask to send paystubs and bank statements witch I always oblige and send the next day. The final straw came On XX/XX/2016 I reach out to Ditech Financial to check the status of my loan they say it 's still in review and they inform me on XX/XX/XXXX my loan will be service by XXXX XXXX XXXX. When I reach out to XXXX XXXX on XXXX XXXX they told me that it will take 15 days for my paper work to be transfer from Ditech Financial. When I call XXXX a few days later they told me that this investor does not do Loan Modifications and I would have to make the past due balance, Pay the loan completely or do a short sale and if not my house will be in foreclosure. One thing I do n't understand is that I told XXXX XXXX from Ditech ( XXXX. XXXX ) that I was getting statements, he told me not to worry about it because the account is on hold. If the account was on hold why is XXXX XXXX XXXX inform me that the account is delinquent and I have to pay XXXX dollars to restore the loan. My soul purpose for going through this hard ache is to stay in my home because this home is the only thing I have to remind me of my father and he work too hard to purchase this home and for it to be lost. At this time I 'm trying to see if I can refinance my house with another company or to see if I can pay the late charges with a loan.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

Equifax refuses to provide me with a credit report online after being denied credit. I called an Equifax agent and had to ask for a supervisor and they told me I could buy it but not have it for free. They would not allow me to view my report online and XXXX allowed me to view mine after providing proof over the phone of my identity. There is no reason why Equifax can not do the same.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC. (AZ)

XX/XX/2019 - Fraud was performed in Kay Jewelers XXXX XXXX near XXXX Arizona. An unknown individual with my drivers license information opened an account, and purchased several watches totaling : {$5700.00}. 

This also happened at 3 other stores in the area. Those 3 stores ( XXXX XXXX, XXXX and XXXX XXXX ) all accepted my Victims ID Theft Affidavit and the fraudulent accounts were promptly removed from my credit report. 

XXXX XXXX XXXX Jewelers however, insist that I was there at the time of the transaction. They insist that the signature is my signature. This is after 2 tries at their 45 day investigation waiting period ... I'm getting no where with them. 

The XXXX Police ( I have an official report # XXXX, with XXXX XXXX on the case ). However, even they aren't able to get timely corporation with Kay Jewelers Security, to retrieve video footage.

Meanwhile I now have 3 missed payments and ~ $ XXXX worth of credit that's not mine on my credit report. 

This is during a time that I could be refinancing my house, cars, etc for good rates ... but I am severely affected by this and no one will help me. 

Do NOT do business with XXXX XXXX XXXX or Kay Jewelers.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check to Chase bank for {$1500.00}. I was told since it was made out to XXXX XXXX instead of XXXX XXXX it was placed on hold. Then, without warning my account was closed and the funds were frozen. They didnt send me any mail about it, either, per law. 

Ive spent hours on the phone and in the branch without any resolution. They are telling me that they can not verify the funds. Im out {$1500.00} of my hard earned money. 

Im sick. This is the middle of a pandemic. I need help please. 

Thank you very much! 

XXXX XXXX
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have tried on numerous occasions to work with Navient in getting a reasonable payment. However, they have failed my family and I because on the income based repayment plan they want to charge me nearly {$550.00} a month and being a family of XXXX in XXXX Florida I simply can not afford that amount. They have failed to educate me on other options and I simply am letting interest sky rocket my loans due to forbearance. Please Help, I am drowning slowly!
Consumer complaint received 2023-01-22
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. (TX)

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed from my credit report.