davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION (MA)

To whom it may concern, On XX/XX/year> I went to the M & T Bank branch office in XXXX, MA. I spoke with XXXX XXXX, bank manager. I explained that the interest payments on my M & T Premier Savings account were below the Premier Savings Rate of XXXX XXXX as promised, when I first opened the Savings Account. I stated that I had contacted the bank or came into the bank to make sure that I was receiving the promotional rate, the bank tellers would tell me that I was all set. Previously I would call M & T on their XXXX telephone number and would be told that I am receiving the promotional rate. At XXXX XXXX  I called XXXX # XXXX at the M & T XXXX number and she looked into the matter for me. Specifically why I was only receiving XXXX XXXX on my Premier Savings account, that advertised a higher rate of XXXX XXXX  for XX/XX/year>, XX/XX/year> and XX/XX/year>. Especially since my balance was higher, due to a {$50000.00} deposit I just made on XX/XX/year> of which an interest rate of 4.08 % was quoted to me as my M & T Premier Savings account rate. 
The correction I want, is for the interest payments to reflect the Premier Savings rate of interest I signed up for when I was influenced at the time, that this was the best liquid account I could sign up for from M & T bank. 
At this point neither the M & T branch manager XXXX XXXX nor XXXX # XXXX at the M & T home office could help me resolve this issue. The branch manager XXXX XXXX called me on XX/XX/year> at XXXX XXXX  and did agree to fix the issue after some research could be done on his end. XXXX XXXX ended the conversation with a promise to contact me on whether he could give me the Premier Savings account rate for the dates in which I did not receive the Premier Savings account rate. Hopefully this issue can be resolved, as again today, I asked the M & T Branch Manager XXXX XXXX, if he had any disclosures or policy pamphlets that would reflect the banks policy regarding their Premier Savings account requirements, he did not reply. He thanked me and said that he would be in touch with me as soon as he could have an answer, that he could fix my account. 

Thank you, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MA. XXXX XXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter.
Consumer complaint received 2016-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I refinanced my loan in XXXX and my interest rate and payment was reduced to {$45.00} per month with payments automatically deducted from my checking account. I received notice that Navient was now servicing my loans and that I needed to setup an account online. In XXXX, my payment frequency changed from monthly to every other month with a payment of {$100.00}. In XXXX, my payment frequency changed to monthly with a payment of $ XXXX/month. I was declared XXXX in XXXX and began a claim for Social Security XXXX. I have not had an income in two years and I 'm completely dependent on my spouse and my mother makes my loan payments. I called Navient to inquire about assistance with my loan with regard to my lack of income and I was told my only option was forebarence. I was uncomfortable with that option so I have been struggling with my payments.
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, I am really disappointed with Bank of America XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Bank of America. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the bank of america customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by bank of america, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (IN)

Barclays Bank Delaware constantly calls me late at night and demand I resolve this debt. 

This company is not licensed in the State of Indiana to collect debts or any collections. 
Please see the attached file describing the search and no data found for this company. 
This collection agency is violating State Licensing Requirements
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

EXPERIAN is obligated by FCRA to report accurate accounting, consumer has advised said company that ALL the inquires reported was fraud. EXPERIAN has 4 days according to LAW to remove such items, FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. If EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. I will be filing form 211 treasury omb form to audit consumers account, EXPERIAN is securitizing consumers data yet refuses to provide consumer a copy of their CONSUMER FILE. NOT A CONSUMER REPORT
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This original credit card " Bank of America '' debt ( account # XXXX ) in the amount of or close to {$28000.00} which has had no activity, payments and or correspondence in more than ( 6 ) years, has more than exceeded the legal California time statue to legally collect. I would like a letter from the current and or previous collection agencies ( BELOW ) stating for on " my behalf '' that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PURSUE LEGAL REMEDIES NOW AND OR IN THE FUTURE ON THIS BANK OF AMERICA CREDIT CARD IN THE AMOUNT OF OR CLOSE TO {$28000.00}. Also, would appreciate if they could also, to inform and or remove this negative mark if possible from The XXXX Credit Bureau and or other credit agencies ASAP. 

BELOW ARE THE PREVIOUS AND OR CURRENT COLLECTION AGENCIES PERTAINING TO THIS Bank Of America Debt. 

1. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXXPhone : ( XXXX ) XXXX. ) XXXX ( their account # XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX : ( XXXX ) XXXX
Consumer complaint received 2015-12-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??
Consumer complaint received 2016-11-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, XXXX
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I am extremely upset of the way Select Portfolio Servicing has handle my loan for the pass years. My hardship started since XXXX/XXXX/2015 due to loss of income when my wife and I have lost our jobs, I presented a complete modification packed to SPS to be review for a modification and all the required documents. However ; I have not been help instead SPS keeps prolonging my case making me fall more behind. I was recently approve only for a repayment plan for the amount of {$3900.00}. this is not affordable because my mortgage payment was for the amount of {$1900.00} before I started to fall behind, if I was not able to make my regular mortgage payments before I dont understand why SPS will give me a high repayment plan. I have Appeal numerous times the denied reasons however I am always forced to reapply. I am tired of the excuses they keep giving me in order to prolong my case. My intentions are to keep my house with an affordable mortgage payments. Based on my investors guidelines I should be able to be provided an affordable mortgage payment since my home is severely under water. I have open a complain with my attorney General XXXX XXXX for all the fraudulent and deceptive practices SPS is using in order to deny an affordable trial payment.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (KS)

Credit report shows these as unpaid debts. These are not my accounts. I did not authorize. I have no credit cards and have not for over a decade. Citibank for {$6700.00} opened XX/XX/XXXX and for {$660.00} opened XX/XX/XXXX. I believe this to be fraud and need for them to be removed from my credit report.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX, Equifax and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
Consumer complaint received 2017-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I notified two company by the name of XXXX XXXX XXXX XXXX and XXXX XXXX, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX both by U.S. Postal Service regarding an alleged debt of XXXX dollars. I have reason to believe I do not owe this debt because I believe they have me confused with a different person, and because the alleged debt is so old it no longer owe it under state law. This debt does not show up on my credit report. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in [ my state ]. 
Non of these information was provided to me I also noted that Because I was writing the company within 30 days of being notified by the company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

They continued to move forward to collect the alleged debt from me and garnish wages without validation. 
This a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

They did not responded to a challenge validation debt request. Later after 30 days of not responding certified mail letter of cease was sent, in spite of this FAMS has continue with demanding letters of collection. Both times that I wrote FAMS was thru certified mail. I have a copy of the validation challenge request certified mail sent to FAMS and the certified mail to cease of collection.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charged a {$25.00} " Advantage Monthly Maintenance Fee '' on the following dates : XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} XXXX/XXXX/XXXX - {$25.00} The B of A refunded {$25.00}, but refuses to refund the remaining {$50.00}. 
I have had this account many years, and I 've always had completely free checking. I believe Bank of America should have contacted me before making these deductions from my account. Had I known that the bank was going to implement these maintenance fees, I could have combined my two checking accounts into one that would easily exceed the newly required minimum balance of {$5000.00}. Instead, I had no knowledge that these maintenance fees would be implemented and I never authorized these deductions. In my opinion, it is dishonest for Bank of America to operate in this manner.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I had to consolidate my loans early to avoid the misdispersment of my payments, also I 've requested smaller payments and they offered hold for 6 months instead and e-mailed me the info. I pay {$200.00} payments a month and somehow am still seeing my loan balance on my credit steadily increasing {$200.00} on average every month just due to interest which is ridiculous. I actually failed a few classes due to a XXXX and was denied when I requested additional grant and loan assistance. I also know my grades were incorrect in many cases due to a XXXX link issue at XXXX. My midterns and projects and homework were n't showing up as completed when I absolutely did them. I am near a XXXX GPA student even WITH XXXX full time quarters failling in all my classes. It is unjust and I hope to be compensated for my hassle and suffering. I am a single a parent and XXXX in need of a college degree to obtain a decent career and job.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.