davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (ME)

In response to Case number : XXXX, Northland stated than an alleged account was " opened on or about XXXX XXXX, XXXX. I beg to differ. For one, XXXX did not come into existence until XXXX, with the merger of XXXX and XXXX banks. In XXXX, I had accounts with a different financial institution, which has NO RELATIONSHIP whatsoever with XXXX.
Consumer complaint received 2018-01-24
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. (CA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent Equifax, XXXX, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
Consumer complaint received 2016-08-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WI)

My brother passed away and as executor and heir to his estate the lender Ditech refused to work with me. I was denied any and all assistance including forebearances, cash for keys, lowered payments etc. this is also my primary residence. Currently, I am awaiting confirmation of the sheriffs sale scheduled for XXXX XXXX.
Consumer complaint received 2017-03-23
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: MOHELA (AL)

On XX/XX/2017 I receive a collection notice from the Department of Education-National payment center, XXXX. XXXX XXXX, XXXX Ga XXXX ; telephone # XXXX to pay XXXX a month for my student loans, I did not send them a cent. I contacted my school-Mohela which I am sending student loan repayment to. Mohela told me that this is a third party company and for me to contact CFPB and write up an complaint towards Dept of Education ... ..
Consumer complaint received 2021-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (PA)

XX/XX/XXXX : Lender for housing loan ran my credit report and found bill for {$510.00} that was unpaid from " Money Lion ''. I have never had a MoneyLion account, nor knew what this company was. 

XX/XX/XXXX : Called company to report fraud. They opened a ticket and asked for no information or forms from me for their " investigation ''. 

XX/XX/XXXX : Called company to speak directly to Fraud Department and they would not let me. Said they made another ticket to open the investigation. 

XX/XX/XXXX : Received word that their " investigation '' is closed despite not asking me for any documents and they claim it was not fraud. Address listed is for house I have not lived in for 6 years, the phone number is not my phone number, and I have checked the account they claim the money was deposited in on XX/XX/XXXX and there is no evidence of the transfer ( see attached bank statement- nothing under deposits that fits this " loan '' ). Phoned the company again and they have not called back or let me talk to Fraud Department.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

On XXXX XXXX, XXXX, I noticed a fraudulent transaction on my M & T checking account. I was charged {$1000.00} by a company I have never heard of called XXXX 's XXXX Fix. I immediately called the customer service line, and was told by the representative that the transaction did look suspicious, and that my card would be replaced, and the funds given back to me. 

On XXXX XXXX, I received a letter from M & T Bank, saying that the transaction was not fraudulent, and that they were taking the {$1000.00} back from me. 

I immediately called the customer service line, again, and was told that my card number, cvv, and signature were used in the transaction. Note that the card was not present for this fraud. The representative then told me to submit my work time verification, because I was at work on the day of the fraud, and an affidavit disputing the transaction. I was told if I did this then the case would be reopened. 

I had submitted the time sheets with a formal affidavit to dispute this fraudulent transaction, and have not heard from M & T Bank since. 

At the time of the fraudulent activity at XXXX 's XXXX Fix, I did not own a vehicle. M & T has since threatened to close my account and give me a " unsatisfactory '' on my record because the fraud has left my account negative. 

This transaction is not legitimate, my money was stolen, and M & T Bank is choosing to threaten and attack me because I am an individual. They have done nothing for me, and have sent me no reply since I have sent them the documents they have requested. Please help, thank you.
Consumer complaint received 2018-01-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CO)

I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, XXXX updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Consumer complaint received 2019-05-15
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. (IL)

One of my credit accounts is was not showing on XXXX,. I called my Credit Card company ( XXXX XXXX ) and they were able to immediately add me to XXXX over the phone. 

XXXX XXXX instructed me to contact Equifax and XXXX. I called both companies and received no help over the phone. I sent a letter to both Equifax and XXXX. To add my account to my credit report. 

I got a letter from XXXX along with a copy of my credit report showing that the account was added and was resolved. 

I got a letter from Equifax stating there was nothing that they can do and that I must contact XXXX XXXX. Well XXXX XXXX insists Equifax has to fix the problem. Clearly XXXX was able to fix the error with the information provided. I want to buy a house in two or three years time and I would like my credit score to be correct once I am ready to apply for a loan. 

How to I have someone at Equifax do their job and stop passing the buck. Bad enough they do not secure our personal information and have data breaches. 

Equifax, one of the three largest consumer credit reporting agencies in the United States, announced in XX/XX/2017 that its systems had been breached and the sensitive personal data of 148 million Americans had been compromised. ... The Equifax breach is unprecedented in scope and severity. 

Why does the Government not shut down this lazy hack of a company? 

How can I get this company to report accurate information???
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QUALITY ACCEPTANCE LLC (TX)

I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. Quality XXXX has yet to respond to my requests.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I recently financed a home purchase through JP Morgan Chase, Home Lending, and the bank caused me to not only miss the closing date by over 2 weeks, but also the contractual financing contingency date, which caused me to break the contract and be liable to the seller. Chase had 2 months between having an accepted offer and closing on the property, and were not able to deliver. This caused me the loss of rental income as the property is a duplex and half occupied, as well as caused me to rent the owner occupied half back from the seller in order for the seller to extend closing another 15 days. Ultimately, the bank took 2.5 months to close on my mortgage, and I had provided all necessary documentation within 24 hours of requests. 
Chase advertises a " Closing Guarantee '' on its website, which I am fully eligible for compensation of {$1000.00} for not closing within 21 days. Chase has declined my claim arguing the 21 day timeline is based on when the lending adviser decided to forward my file to underwriting, something not disclosed in the terms and conditions on its website. Furthermore, the hold up to send my file to underwriting was 100 % Chase 's fault, as acknowledged by the lending adviser via email. Chase had 2 months to get closing done, and decided to send my file to underwriting only days before the original closing date, allowing them to stay under 21 days as they define the deadline.
Consumer complaint received 2017-07-20
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)

XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (HI)

To whom it may concern, I have tickets for the XXXX XXXX XXXX that I occasionally sell on XXXX and XXXX whenever I'm unable to attend the games. On XX/XX/2018 I sold four tickets to an individual using XXXX and arranged to receive payment via PayPal. 

The individual sent me payment for {$520.00} ( of which Paypal took a 2.9 % processing fee ), netting roughly {$500.00} to me in exchange for the tickets. 

Four months after I received the money via PayPal, the buyer initiated a chargeback on the payment, at which time PayPal automatically debited {$520.00} against my account and an additional {$20.00} for a " chargeback fee ''. 

They made no attempt to resolve the issue with me and sided with the buyer ( scammer ) and the buyer 's financial institution. I provided evidence from my XXXX ticket holder representative as well as a copy of the email correspondent between me and the buyer ( scammer ). 

PayPal still did not look into the issue and merely said that there terms of service prevents them from releasing any information about the buyer or their financial institution, preventing me from taking legal action against the scammer and/or their financial institution for their wrongful chargeback. 

I asked PayPal if they could provide me with specific details about the buyer ( scammer ) and they flat out refused. I asked them to look into the matter and to credit my account as I am a long time customer of theirs but again, they flat out refused. 

PayPal facilitated s scammer to effectively steal {$520.00} worth of goods from me and offered zero help in resolving the issue.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

A debt shows on my report as a recent debt of mine and it is not. XXXX XXXX, XXXX is the collection agency for XXXX XXXX XXXX, KS in the amount of {$6500.00}. 
I have never lived in an apartment in the state of Kansas or ever applied to XXXX either. My previous addresses are all houses, XXXX XXXX XXXX, XXXX, KS ; XXXX XXXX XXXX, XXXX, KS : and currently at XXXX XXXX XXXX, XXXX, KS. Neither have I co-signed for an apartment for any XXXX at any time. 
Please remove this entry from my report as it is not mine. 
I have a son whose name is XXXX XXXX XXXX who has lived in the XXXX area at XXXX time. Many institutions have confused us even though my first name is not XXXX it is simply XXXX.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I was forcibly given a contactless card by Chase in XXXX without being notified or asked beforehand. I have had this card prior to the advent of this technology. Chase refuses to let me opt-out. 

They absurdly claim that the cards can not be accidentally charged, yet O had this very thing occur today. When I called they would not reverse the payment because it had not posted yet. I should not have to spend large amounts of my time to resolve small payment disputes that are the fault of irresponsible decisions on the part of my bank. 

It would adversely affect my credit to cancel this card, so I am stuck at the mercy of this completely unnecessary and ridiculous decision.
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

fedLoan Servicing provides contact information that the customer is supposed to use to get information from the loan service provider regarding their loans. I called the phone number clearly provided by the loan provider ( XXXX ) to try to reach the loan provider regarding " rebate adjustments '' that were added to some of my loans on XX/XX/17. I wanted clarification on what these " rebate adjustments '' were I was not certain why they were added to my loans. After dialing the number, I went through the numerous phone type checkpoints where I verified all my information and where they repeatedly asked my if I wanted to make a payment. After a bunch ( how many is a bunch lawyers might as *eye roll* ) I was told by the robotic recorded voice that I was 1 minute away from speaking with  a customer service representative. The phone rang a couple times and then the call ended abruptly. I did not hang up and the call ending was certainly due to something on the loan provider 's end. How can I be so certain I didn't end the call ( is probably something lawyers would ask XXXX XXXX )? I called back directly after and that call ended abruptly as well, this time before the robotic voice even read me a menu. 

All I want is information about my loan. I would like clarification about what a " rebate adjustment '' is and how/if I can avoid incurring them in the future. I shouldn't have to call repeatedly to speak with a real person to get this information, not to mention that this information should just be easily and readily available without having to contact customer service in the first place. Thank you very much Loan Provider for my education, I really can not extend more gratification towards the incredible opportunity that you providing me these loans has granted me. I would like to pay you back in full, with interest! I think you deserve that. That being said, quit being so XXXX XXXX and have some decent customer service ( oh my  gosh he used a derogatory slur *eye roll* ). 

Keep your dicks in your pants and leave the female interns alone. Im looking forward to hearing back from you. Thanks - XXXX XXXX.
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

I received a call yesterday from the Chase Bank End of Term Lease Department. I was unable to answer the phone but called back when I received the voice mail. I know what the call is about. Its simply to settle the end of lease payment which is fine. The problem is that their verification process includes giving them my full social security number over a mobile line. This is the only company in the last couple years that apparently have not gotten away with asking for your full social security number over the phone. When the rest of the industry has figured out how to verify identity without asking for a full social security number, I am unsure why Chase is so far behind. They state that they do this for consumer protection yet requiring the consumer to state their social security number over a cellular connection is indeed not protecting them. This was only part of the problem. 

In addition I received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) that summarized the results of the end of lease inspection report. The same letter stated that payment was due on XX/XX/XXXX. I could not understand how they wanted me to pay the bill prior to receiving the inspection report dated XX/XX/XXXX and not received until XX/XX/XXXX. I assume they wanted me to make a guess at what the report would say?? Also, no bill was actually ever sent to us and no reasonable due date was ever communicated. A due date of XX/XX/XXXX, 10 days before the inspection report was mailed to us ( again, not received until XX/XX/XXXX ) is  unreasonable. 

I can not pretend to know what is going on with this department but I am all for paying the negligible amount they ask for if they could just figure out how to verify my identity without putting me at risk. It seems every other financial institution has figured out already. 

Anyway, I am more than happy to settle the debt over the phone but refuse to give my social security number over the phone which is considered personal identifiable information and a major contributor to identity theft incidents. If Chase wishes to protect the consumer then they should start by changing their verification process. For example I have a name, address, birthday, last 4 of my social, last 4 of the account I would like to close, and the year/make/model of the vehicle in question.