davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

jumping to few months back XXXX XXXX XXXX ) ... rather beginning the story from XXXX. 

around the month of XXXX i had contacted M & T Bank customer service regarding why i got enrolled into forced escrow program. was told because they paid the back taxes, i told them i paid them and sent the proof of payments via email to the email they provided me. 

then another call i made to follow up regarding how the increase is was too much for me and again, why did it go into escrow?!? rep told me : " oh if you send {$530.00} and request to be removed via email to the same email address, it will be removed from escrow and then you 'll be responsible for taxes '' i said - " fine ''. 

no resolution and then i received a statement with a balance of {$5200.00}!! i called again and was told to send an odd amount of {$750.00} on XXXX and went to a local branch and made cash payment. at the branch had to call customer service with the teller because the teller had know idea what to do with the payment. customer service explained it to her and took my payment. still did not remove me from escrow. 

called after day to confirm the payment and still no help and then was transferred to home owners assistance program. i explained the hardship situation to the guy and the guy said " sorry there 's nothing we can do. '' my mortgage jumped from {$1900.00} to {$2500.00} which is a {$600.00} increase that i ca n't afford because of the forced escrow program without any notification. 

my tax XXXX gross income was {$54000.00} struggling to survive with other expenses and life. i 'm sacrificing money to go to M & T bank mortgage because i do n't want to go into foreclosure. 

XXXX XXXX i went into XXXX XXXX and i do not have health insurance because i ca n't afford it. i am going to get hit with approx $ XXXX XXXX bill and do not know what i 'm going to do. 

on another note : i 've also called a few times last year to ask to reduce my 6.25 % interest rate and again was told there 's nothing they can do i guess if fine with the escrow program but i need help to reduce my payments so i can continue to live at my home. i 've asked on multiple calls what can we do and continued to say " there 's nothing we can do '' or " when you go into default, then maybe we can help '' which i do n't want to do to jeopordize my credit which i 'm slowly re-building. 

hope you can help? thank you in advance, XXXX XXXX
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Century Finance, Inc. (NC)

The company is reporting three separate accounts that are attached to my SSN to the credit bureaus XXXX XXXX and XXXX. The three accounts total to the amount of {$1700.00}. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (IL)

I have already submitted one complaint - XX/XX/XXXX.  This is an addendum to that complaint. Since filing, the company servicing my loan ( Great Lakes Student Loans ) has capitalized all of my interest. I am unsure why as I remain in the same REPAYE program that I was in last year. I have asked that this be corrected, or at least an explanation be given to me. At first submission - end XXXX / early XXXX - I was ignored and given no response. Since then, I have received nothing other than a quick response weeks ago that it is being looked into ( occurred on XX/XX/XXXX ). I am concerned that this will cost me additional money now and in long term. I am also concerned that retaliatory action is being taken against me due to my first complaint.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

please find attached the creditors letter for which they have approved of these negative mark removed from the account, ( letter attached ), the other two bureaus have already removed the negative mark except XXXX and i have attached the same letter over and over again, i have also verified with the creditor wells Fargo and they have sent the notification many times please have XXXX change their reporting thank you
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NJ)

Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (OR)

This is a complaint about XXXX insurance and their apparent use of XXXX . which is subject to the FACTAct which is missing information regarding insurance on the property for which I served as Trustee and now serve as manager for the management company for the present owner ( s ). <P/>I served as the Trustee of my dad 's trust managing his home and financial affairs during his late life and after his passing. I arranged for and paid the premiums of his homeowners/ landlord policy. After his passing, I arranged and signed for the transfer of ownership to my younger sister and her husband and became ( rental ) property manager for them as they live in a distant location. <P/>In arranging property insurance for them with XXXX, I am now advised that they have issued the policy with a one month term and non-renewal notice based on the statement that no insurance is presently in place. This is not true and I have evidence to show that. Further, they did not reach out to either the agent nor to me or the owner to obtain clarification. It appears that they have relied solely on XXXX. This database is apparently not up to speed as the change in ownership and change in insurance and prior insurance agencies have muddied the water. <P/>I have contacted the XXXX Chairman 's complaint hotline : XXXX XXXX at XXXX x XXXX. She said she is unable to receive from me the evidence of insurance that I wanted to provide to them. I do not believe that LexisNexis ( owners of XXXX ) will respond sufficiently fast in correcting their database, and then am totally skeptical that XXXX will correct their inaccurate assessment timely to avoid an insurance crisis. <P/>Please help.
Consumer complaint received 2017-07-05
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. (FL)

On numerous occasions, I have contacted Equif ax &   XXXX  to notify them that I am no longer liable for  XXXX   XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore, Equifax  &    XXXX   continues to allow   XXXX    XXXX  to report information that is not 100 % accurate.   XXXX    XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from Equif ax &    XXXX   stating that they will not re-investigate this erroneous reporting.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.
Consumer complaint received 2021-03-24
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: Total Card, Inc. (OH)

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX # XXXX I have not been late on the account and request Method of verification for late payments. Per the XXXX XXXX and payments made on the account should not have been registered as Late. 

Please correct payment history.
Consumer complaint received 2017-09-27
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: JPMORGAN CHASE & CO. (KS)

Chase Bank has submitted 3 hard inquires to my my Credit Report, I have never applied for a Chase Bank credit card or loan. 

Chase Card Inquiry from XX/XX/XXXX Bank Chase Card Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Chase Card XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-27
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. (MI)

On XXXX XXXX XXXX my checking account was hacked for XXXX $ and I thought no big deal and XXXX XXXX XXXX was account was hacked by the same person or persons for XXXX XXXX I bank at Chase Bank and at first they told me it would take 24-48 hrs. to retrieve my money and then that turned into 10 days. By the banks advice I closed my old checking account and opened a new one. The bank then said they tried to put my money in the old account and could n't because it was closed. So then they told me it would be an additional 10 days because they had to go through the process of verifying that the money should be transferred and I told them they already decided to transfer the money why would this process have to be done again and they did n't have an answer they just said that it would. Then after that 10 days expired I called again and they told me it would take until XXXX XXXX before my money would be returned. At this point I do n't have a good feeling that will happen, they will come up with something else as an excuse and that will make it almost 2 months that I 've been without close to a XXXX dollars and I do n't know what else to do.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from XXXX  Equifax an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (VA)

XXXX was contracted by Jefferson Capital to collect on a debt originally owned by XXXX XXXX XXXX. XXXX & I came to a settlement amount of {$2600.00}. This was in XX/XX/2020. On XX/XX/XXXX I obtained a Cashiers check in that amount. It was then mailed to XXXX and delivered on XX/XX/XXXX and deposited on XX/XX/XXXX. It officially cleared the account on XX/XX/XXXX. The first week of XXXX, a call was made to XXXX to get an update as I had not received a receipt nor anything stating this was now settled. They claimed the check bounced and that they shredded the check. How did they shred the check? Even if a cashier check could bounce, how did they get the check back from the bank to allegedly shred it? Cashier checks are prepaid instruments, and unlike a personal check, they do not bounce. XXXX then claimed that they shredded the check. I was baffled by this because if this was sincerely true, they would have called or sent a letter. They had no hesitation in calling or sending a letter when attempting to previously collect a debt. They then told me that since the money never left my account, I should go ahead and just pay with my debit card. After arguing with them for some time and telling them that cashiers checks do NOT bounce, they said they'd investigate and give me a call back. When they called back, they told me they were still investigating. In the mean time I called my bank ( XXXX XXXX ) who told me an attempt had been made on the cashiers check as an ACH debit which resulted in it being declined. My bank then told me the check cleared the account on XX/XX/XXXX and provided me with a written letter and proof. Yet XXXX denies this despite the check being clearly stamped " XXXX for deposit only '' ( which XXXX provided me with a company ). To this date, I have not heard from XXXX or Jefferson.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

XXXX   XXXX ,  2017  a collection was reported on my Credit by Kings Credit Services  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  That was never my Debt, I have never been to the medical facility. I belong to  XXXX  for the last 10 years. My Credit is Excellent and this company should be held accountable for its negligent reporting.
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AZ)

My father took out a parent loan while I was in college. He used the money for himself. I took out my own federal student loans and am in repayment. He has defaulted on the loan he took out and Navient has started contacting me to pay. I've told them I never took out a loan as a joint lender or agreed to the loan. On multiple occasions they encouraged my father to go into forbearance multiple times instead of working on a payment plan causing the amount owed to increase. There actions seem predatory. I would like my name removed from the loan as I didn't consent to it and didn't benefit from it.
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient has not supplied a recent paper copy of a detailed monthly summary of my account XXXX daily interest accrued, payments made, outstanding principal ). 

They also do not have an option for borrowers to message customer service and keep a record of the messages exchanged. All inquiries must be made over the phone, leaving no record of what was discussed.
Consumer complaint received 2017-07-04
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)

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Elevate Recoveries, LLC (NJ)

This company has called me a few times. In an attempt to verify identity, they volunteer full name, birthdate, address and even the last XXXX digits of a social security number without me ever confirming that I am the person they are looking for. I can't believe that this isn't illegal and that they can continue to do business in this manner... 
Today, I spoke with the XXXX, XXXX. She did not have a single care about my concerns for someone's identity privacy. With their harassing tactics, I don't feel comfortable with this company 's possession of anyone 's personal information. 
When confronted about this issue, they simply hang up on me.
Consumer complaint received 2017-09-26
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. (TX)

There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!
Consumer complaint received 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

The last three months of XXXX ( XXXX, XXXX, XXXX ) & first three months of XXXX ( XXXX, XXXX, XXXX ) I was never informed of having to begin paying back my loan. I never received any email, phone call or mail informing me of repayment date. I reached out to try & resolve this matter, but I never have been able to get any help and gave me these late payments. I now can not get approved for a mortgage because of this mark on my credit and the lender can not help me with this unfair situation.
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2022 my phone and wallet were compromised which resulted in someone accessing my Coinbase account and transferring all funds ( approximately {$900.00} in crypto-currency ) to their account. This transaction happened around XXXX XXXX on XX/XX/2022. I attempted to call Coinbase twice ( once at XX/XX/2022 and a second time on XX/XX/2022, where they said although they understand there were unauthorized transactions, there is nothing they can do about it ). The second time I called they said that I could file a complaint and hung up on me stating that " it was disconnected " on a follow up email, even though they have my number as a callback and said they would reach back if disconnected. I filed a police report on XX/XX/2022 as I also had money transferred from my checking account in the amount of {$1300.00} from the same person that compromised my Coinbase wallet and they said there was still nothing they could do about it.
Consumer complaint received 2017-09-26
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.