davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Carter-Young, Inc. (GA)

Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

we could not make our lasts month payment because of high utility bills. we asked acc. rep. to defer our payment til the end of our loan. he said no problem since we had never done this in the past. when we contact him he says he is waiting for approval. it 's been a couple weeks we think he might waite til so much time has gone by and try and forclose. we have been denied a loan modification. our interest is 10 %. we are on social security greentree says our income is enough. when we pay our bills we have a little over XXXX left and that is without buying food or gas for our car when we applied for a loan modification they said we would have to pay XXXX a month for 4 months we can barely pay XXXX can you help us. we don, t have any loan papers from greemtree, only a letter we got years ago saying saying they had acquired our mortgage.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

Ditech took over my Greentree account. I am no longer able to access my online account, where I should be able to view and print my mortgage interest statement. I have requested that Ditech either restore my online account access or provide me a hard copy of my statement. They have failed to comply and have not responded to my communication. I can not file my 2015 income taxes without this form.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CO)

I need help please me and my kids have been struggling cause i made a mistake on going to college XXXX in XXXX colorado i went for 3 weeks and was charged over XXXX and still have a judgemet of XXXX which they wont help me also still have to pay Navient already XXXX which is sal may how ever you spell it which i payed them another XXXX i cant do this any more i get calles from XXXXthrough XXXX from different people from Navient they say didnt get my XXXX last year income tax and that i haveny been paying them and i still owe XXXX and these loans i did n't know about until two years ago. College XXXX my kids life and mine. We been homeless because they took my income taxes i lost half of our things, i have been sick in amdnout of the hostipal because the XXXX my electricity has been turn off i ca n't feed my kids we have to reley on government assistant. Me and my husband works but it never enough for raising XXXX kids.. I need help please 9 years of harassment and struggling i cant do it anymore please help me amd my family please please
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NE)

Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NY)

Additionally, I have  a Fraud Victim Alert in p lace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 accordi ng to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit. Experian told me this is not supposed to happen with a  Fraud victim Alert i n place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Consumer complaint received 2016-02-29
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: DriveTime (NJ)

My car loan company calls me up to XXXX 7 times per day. I have asked them twice to stop calling me. It is excessive and unnecessary and a hindrance to my life. I pay my payments online and pay extra just to avoid any telephone communication with them. I have asked them twice by phone and once by email to stop calling me.
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

I have a Chase Premier Plus Military checking account that has occurred unwarranted overdraft fees. I maintain that I am not responsible for these fees because ; 1. I had opted out of Chase 's overdraft protection service prior to the overdraft occurrences, and, 2. Chase had suspended my ability to log on to my online account and/or complete an account balance inquiry over the telephone. I have contacted Chase Bank several times to request that the fees be credited back to my account. Each of my requests has been denied, therefore I turn to the CFPB for assistance.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (TX)

XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (AZ)

Lenderlive XXXX mortgage servicer sent me an escrow refund check in the amount of {$420.00} and I then receive a delinquent tax bill from XXXX XXXX stating the taxes have n't been paid. I contacted Lenderlive and they eventually paid the back taxes ; however, my mortgage payment has now increased 8 % from {$1600.00} to {$1700.00} due to a projected shortfall in the escrow account. Even though I put down 20 % when I purchased my house and would have preferred to pay my own taxes and insurance, I was required by my lender to make these payments into an escrow account. Now I 'm stuck with Lenderlive XXXX who ca n't seem to keep their records straight. If I 'm being held accountable for making my mortgage payments on time, then there should be some sort of repercussions for Lenderlive 's late tax payment and poor record keeping. The increased payment is not the issue. I understand why it 's happening. The issue is that I 'm held to XXXX standard and Lenderlive can apparently do whatever they please.
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

Our father passed away XX/XX/XXXX. XX/XX/XXXX, he completed paperwork at his bank, naming his XXXX natural children, my sister and myself, as Pay-On-Death beneficiaries on his checking account with PNC Bank. My father had no mental or memory problems, especially when it came to his money. He kept a close eye on everything. Upon presenting proper identification and the death certificate to the bank, they would not allow us to take out the money. Over the last 5 weeks, the bank manager, XXXX XXXX, has given different excuses. First, it was that we had to wait for Social Security and his pension to be returned. Then she kept telling us she had to have authorization from her " higher ups '' because the account held over {$20000.00}. She then added that our step-sister ( who is co-representative of the will ) but is not now nor has she ever been on this account, has to sign off on it before we can withdraw any of the money. On XX/XX/XXXX, I called and she gave me the same excuse and when I asked to talk to one of these " higher-ups '', she told me that the step-sister ( she used her first name, XXXX ) was contesting our right to the account, and that the account has been frozen. When asked why we were not notified of this by bank headquarters or by an attorney for the step-sister, I was told that she could not discuss any of that with us. She told me this 3 times, then basically hung up on me. Since then, my sister, who is on the account as a POD, went into the XXXX, Maryland PNC branch, and was told that in internal notes a XXXX XXXX XXXX had asked for a hold to be put on the account XX/XX/XXXX to allow her to make sure my Dad had signed the papers and that he had not done so under duress. My sister informed them who she was, showed her ID, the death certificate and a bank statement showing her as a POD. She told them the person who did this definitely was not her. She questioned if they had verified this person 's ID and the bank quickly changed their story, and the internal bank notes to state it was the step-sister, XXXX XXXX who requested the hold. After almost three ( 3 ) hours, my sister left the bank with no money and was told no one was allowed to discuss anything with her, and that she should probably contact PNC Corporate Customer Service in XXXX. Upon doing this, she was told that there was no one who could talk to her and she should communicate with her local branch. Then he changed his tone and told her that her lawyer should contact Corporate. Contrary to us being told that " XXXX '' had requested a hold, PNC is now stating that they put the hold on the account on XX/XX/XXXX, in order to do an internal investigation to be sure they had done nothing wrong. In addition, my sister has numerous health problems, and the stress is definitely causing her more problems.
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$570.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
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)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-31
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Westlake Services, LLC (VA)

They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

To Whom It May Concern : Chase Bank mailed an unsolicited credit card with a {$10000.00} credit access line and a {$2000.00} cash allotment. The card has a 14.9 % variable purchase APR and up to {$37.00} late fee. The card is issued through the amazon.com program. We want this card canceled. We are not Chase Bank customers.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

reference orig case XXXX ... XXXX XXXX and follow up # XXXX, XXXX XXXX ... This is a REQUEST for information.Please provide SPECIFIC, DETAILED information concerning violations of TILA, and fee shifting provision REQUIRING a defendant to pay plaintiff 's attorney fee 's and costs.ADDITIONALLY, as I interpret the law, I am wholly dissatisfied with SERVICES I purchased with credit card, namely useage of an access check for a 2 % FEE, PAID UPFRONT. I, therefore have the RIGHT NOT TO PAY remaining amount due, which happens to be extorted interest and aggresively extorted " late fees '' ONLY ... Original balance was paid in full prematurely. My RIGHTS are preserved because the purchase was based on an advertisement Chase mailed to me.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX was selling a puppy on the XXXX  page. So I have contacted him and decided to purchase one from him. He sends me a contract via email and I send him {$870.00} via XXXX. On that day of XX/XX/2021, translogisticsexpress asked me for {$500.00} refundable insurance and XXXX XXXX told me that there is some health issue on a pet nanny so I needed to send another {$250.00} for XXXX. After that, both agencies dessapeared. On the website of XXXX, I was able to see other victims whose purchase in XXXX is still pending. I was not aware that I can not reverse the payments on XXXX. I already submitted the claim to FBI Internet Crime Complaint Center, However, I would like to dispute these charges to my account.
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 belongs to someone else
Company: FORD MOTOR CREDIT CO. (SC)

I filed a complaint against Ford motor credit company and they responded with a bunch of lies and incorrect information and not complete information. There was a car that was purchased back in XXXX according to them and it contained a person that had a different 1st name different middle name different address different work information different phone number and different email address than I do because I've had these verified and proven to ford that I never had a different 1st name or middle name my whole life on my social security number and I've had the same phone number for over 20 years and same work for over 37 years. They claim my police report didn't clear me of the account 's claimed because of death of the offender. Ford clearly lies because number one the statute of limitations is only 5 years if there was anything criminal and this police report was filed 9 years ago. The car purchase with Ford was over 14 years ago. My claim is ford did not do any investigation that the law requires with all this information I'm giving. now talking to the police has nothing to do with finding out if that person that purchased the car back in XXXX was me because everything I showed is filed in courts or part of the federal record and not guessing like Ford is doing or jumping to the wrong conclusion like Ford is doing. 
I also showed the XXXX findings of my identity theft to show that somebody else obtained a driver 's license with my information just a different name and address and used that fake id to commit id theft for XXXX of accounts. 
Courts found these accounts were NOT mine. Ford lies and damages me with their wrongful conclusions and findings. 
Force Ford to answer to THESE CLAIMS not what they cherry pick about.

1. Different name on account and XXXX. 
2. Different work info.

3. Different address.

4. Different phone number.

5. Different email address. 
The language in the CMPD report, clearly names the crimes committed and says i am exceptionally cleared of those crimes. 
No ambiguity, and 2 of the accounts took me to court and had to voluntarily dismiss the suit. They were wrong and had to admit it. This was XXXX. 
Ford is wrongly finding me guilty of this fraud, with no evidence, no proof or contadictory documents that i gave them, all cerified and verified by state or federal agencies and notorized.

Please have Ford address these issues, they refuse to give me any of these jnternal documents because they know those documents are INFERIOR to mine. Losing case in any court of law. They are arrogantly lying with no shame, and refuse scrutiny.
Consumer complaint received 2022-10-01
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: CITIBANK, N.A. (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (NE)

I opened a account with Scrophony Bank on XX/XX/XXXX and made my initial deposit of {$1000.00} dollars via bank transfer from my account at XXXXXXXX XXXX XXXX  Was told the deposit should take 3-5 : Days to be available.On XX/XX/XXXX I received a email stating that my transfer service had been suspended. Then on XX/XX/XXXX I received an email stating that my transfer had completed. On XXXX  as well on XX/XX/XXXX and on XX/XX/XXXX and XX/XX/XXXX all times being told that my account is under review and no further info was available and it would take 30 to 60 days to review my account. How can they hold my money for no reason given to me. This is crazy and I wan na know how they can hold my money.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NH)

When I signed up for my US Bank XXXX XXXX Credit Card there was a giant ad on the webpage promising me a " last night free '' benefit. More specifically, that benefit allowed a cardholder to receive his/her last night free when booking XXXX XXXX award stays of at least XXXX nights. Enticed by this offer, I signed up and paid an annual fee of {$75.00} in XXXX of 2014. Today, I got my statement in the mail and was told that this benefit is being eliminated effective in XXXX of 2014. I find this to be completely deceptive. US Bank heavily advertises a benefit, gets you to pay an annual fee based on that benefit, and then withdraws the benefit in the middle of cardholder year after the fee is paid. This is classic bait and switch and US Bank should be investigated for it.