davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

I had financed a loan with Ford motors in XXXX California. Payments were made on time. Every month. The vehicle suddenly XXXX day while driving the transmission exploded while I was driving. My son 's and daughters were I the car. 
The car was towed and never retuy to myself home address. Payments were no longer owed at the time. 
The restitution fees have not paid neither compensation for XXXX damages to my deed home wills trusts record driving records data reimbursement because a helicopter was sent out. Also damage my home invited as a result of the explosion. Creating an unsafe inhabitable living to myself and children. Since I have lost my home and deed and have not recovered my exact accuracy. Neither has Ford returned all my policies agendas of non damaged living. I was further repudiation victim of terrorists criminal threats intents and other interrupting mental distressing unauthorized call claims and charges. Since I have not been provided withe right loan neither care and fair treatment.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.
Consumer complaint received 2017-12-27
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. (TN)

I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX . this company is shown up on my report with out consent. I have sent a letter on XX/XX/2017 requesting that inquire to be remove from my Equifax . this company is listed as a Miscellaneous Reptg agencies with no number address to be able to request proof of signature  that authorization was given to pull report
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays bullshit.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Consumer complaint received 2017-12-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

XXXX payment to XXXX XXXX XXXX debit - {$130.00} {$7000.00} Called the bank, advised them my fb account was hacked, payment was made, IT WAS NOT authorized. 

First call that i have made and spoke with customer service was dropped by representative as i was advised that she works from hone and has bad connection. Case was created and closed against me. No resolution. 

Same day made another phone conversation new case was created, supposedly researched and this is the response i received below. 
Dear XXXX XXXX : We completed our research for the transaction ( s ) you reported on XX/XX/2022. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 


IT WAS NOT! This is fraud! I work hard for y money and I want it back! 

I have also been transferred to fraud department to speak about way of how i can protect my account, after 10 minute waiting on the line the call was dropped again. 

I want my money back, thank you
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I opened a credit card account ( Chase Sapphire Reserve ) in XXXX XXXX with Chase bank. On XX/XX/XXXX I called to request the bank waive my annual fee pursuant to the Military Lending Act that went into effect on XX/XX/XXXX as an XXXX military member. They refused to do so unless they were forced to through a credit bureau review initiated by me closing and opening a new account or opening a new card on that account. Their request to have me open a new account in order for them to comply with a law represents undue financial obligation and credit score impact when they should simply comply with the law and apply it to my account to waive the annual fee.
Consumer complaint received 2022-10-03
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: CL Holdings LLC (TX)

Jefferson Financial Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX They are Re-Aging old debt so that it stays on the credit reports longer. 

They were sold the debt but the XXXX is not correct since the account is years old and they have it as XXXX of 2022. 

XXXX XXXX is XXXX XXXX XXXX
Consumer complaint received 2017-11-03
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. (NY)

on XXXX/XXXX/XXXX I got a fraud alert on on my computer from Chase asking me if a purchase form XXXX XXXX ( XXXX ) for {$5900.00} was mine as it did not fit my  pattern of behavior. I said no and they immediately closed down my account and sent me a new card and credited my account for the purchase. About one or two billing cycles later the charge reappears on my account. I called Chase and asked why and they said that XXXX says it 's mine. I disputed the charge and was again told that XXXX still says it 's mine. I made a few calls and spoke with the Security director oXXXX XXXX. They said it was charged to my account and sent to my address and that 's that. I asked for and received a copy of the XXXX receipt of delivery. It was signed on XXXX at XXXX which is a Wednesday at which time I am at my desk in another state ( NJ ), with my name but is not my signature. The name was simply spelled out in pseudo script.I explained to them that I live in a doorman building and we do n't sign directly for packages. The doormen do on a computerized system. I asked for and received a copy of the computer log from the co-op management and, of course, I received no package from anyone on that day. I have since spoken with a dozen people from Chase 's Fraud dept.after again filing a dispute with them. They say that XXXX wo n't relent and that it is my charge. From the people at XXXX and Chase I learned that it was a phone order, I have no idea where the order confirmation was sent but I received none, and the the item purchased was a XXXX Handbag for {$5900.00}!! I just filed an XXXX report but the charge is still on my account. I will not pay the charge and want it, and any accrued interest on the charge refunded and damages for four months of sleepless nights and aggravated days that I have had to suffer. My assumption is it is someone at XXXX as they are the only ones that have access to those delivery receipt computer machines.
Consumer complaint received 2017-11-03
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. (NC)

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

I 'm in a fixed rate of 3.75 on a 15 yr. mortgage and my note has been XXXX and suddenly changed to XXXX without me agreeing to it. I contacted the mortgage company and have n't gotten a response and I received a escrow overage check but I never agreed to a increase in my monthly note. Account # XXXX Mid America Mortgage And my info is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Tx XXXX XXXX my e-mail is XXXXXXXXXXXX Cell ph. # XXXX Hm. ph. # XXXX thanks.
Consumer complaint received 2017-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.
Consumer complaint received 2017-11-03
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. (NC)

I have credit inquiries on my Equifax credit file. I have disputed these items time and time again. I disputed these on XX/XX/XXXXthat I had no knowledge and I did not authorize these inquiries. I received an email the next day on XX/XX/XXXX that the investigation was completed and they were not going to remove them. I called back on XX/XX/XXXXand spoke with a representative name XXXX and inquired about the inquiries and she advised that there were no inquires on my report. I asked if she was sure and she said there are n't anything showing until inquires just regular accounts. We were disconnected I called right back and was advised by another representative that there was n't any inquiries showing not even soft inquiries. I called on backXX/XX/XXXX to check to insure that there was n't any inquiries and the rep stated that yes they are. I told her about the phone call last night and the two reps said nothing was showing. I did not authorize these inquiries, the inquiries are. I know Equifax was the affected by a Security Breach this summer and I am afraid that my credit file might have been apart of that breach. XXXX XXXX - # Inquiry fromXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - # Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2022-08-05
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. (GA)

EQUIFAX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means EQUIFAX didnt exercise there grave responsibility to my consumer report. EQUIFAX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed EQUIFAX in writing to furnish this report and never consented to this report of XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX as well as XXXXXXXX XXXX INQUIRY ON XX/XX/XXXX and XXXX XXXX XXXX  INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So EQUIFAX just assumed that EQUIFAX could report this and EQUIFAX never had my permission and stole my identity to report on my behalf.
Consumer complaint received 2017-11-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I have had several problems with this company originally I took out the loan with XXXX XXXX and it changed to Navient, when I filed bankruptcy, then immediately took action against my mother who was the co-signer, I tried to settle the debt and they wouldnt accept, Ok all this is fine and legal. However ... they never send statements, then when the XXXX per month payment is late they charge XXXX late fee, although they have n't sent a statement. When I ask for an auditing of my account they refuse, when I ask for a statement they refuse. They are hard to work with and anytime you ask for any sort of statement, or any sort of paperwork they refuse, if you ask for a supervisor, they refuse. You can not get any of the rights you are afforded under the law with this company.
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

-Opened account in XX/XX/XXXXand mentioned the {$350.00} new account incentive -Set up direct deposit ( terms of the incentive ) -Never received the incentive -Called Chase in XX/XX/XXXXand the service representative said we would not receive the incentive because a code was not entered when the account was opened
Consumer complaint received 2017-11-03
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: CITIBANK, N.A. (NC)

Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WI)

My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX  to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. 

Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. 

I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.
Consumer complaint received 2017-11-03
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: AFNI INC. (TX)

On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.