davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (WA)

We have numerous items being incorrectly reported on our credit reports by Experian. XXXX for example is an Account from XXXX that they have listed three times, each listed differently but each listed as derogatory but we only had XXXX account at this bank. I have written them at close to 10 letters asking for resolutions. They keep telling the the items have been verified or previously verified. Since I know they are not mine I have continually asked for proof of their verifications from the original creditor and not a third party reporting site as required by law. Yet they refuse to comply and have sent no proof of verification from any creditor listed on my credit file. 

We have accounts that I have asked them to remove because they are not mine and they tell me they are my accounts yet they will provide no proof of verification. 

Now they are asking me to provide proof of indetification but I have previously sent that to them 2-3 times from my same address. It is interesting how I have to prove my own identity but they can then destroy it with out proving they are reporting correctly by following the law regarding verification processed. 

I am filing this report as required before I hire a collections attorney. I have been denied credit several times within the past few months due to these errors and I will pursue this to the fullest extent. 

I have a i inch binder packed with letters over the past 6-9 months and can send if needed.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

My wife and I opened a business checking account as she already had a M & T account. " bundling '' all accounts allows us to not have a minimum balance and avoid fees. twice this year our account has been overdrawn because they are charging us unjust fees and twice this year we have had to go to the bank and have them reverse the fees because our " bundling package '' was never set up correctly. I 'm wondering if this is fixed or are we going to have to go through this again! then we found out that when we deposit checks without envelope through an ATM and the amount of the check deposited is different than the real amount ( even by XXXX cents ) they charge us {$8.00}. Outrageous! Also, I never read anywhere that when we use our ATM card in a non-M & T machine we pay the ATM charge to the ATM provider but also a {$3.00} fee from M & T! their charges are fraud!
Consumer complaint received 2015-08-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (MD)

I have complained about M & T bank in the past. The prior complaint number they actually RESPONDED to was # XXXX that time, my complaint was they are not enough branches to service XXXX people XXXX XXXX XXXX XXXX who live in XXXX city. It was my understanding that banks should have branches in all neighborhoods, depending on both geography and racial mix. M & T is an utter failure in this regard. 
To recap. In 2013, they closed the XXXX branch, located in Shoppers market. Shoppers had another bank, which M & T bought XXXX XXXX XXXX and within a year, they promptly closed every market branch. 
This week, we went to OUR closest branch XXXX XXXX XXXX XXXX that is accessible by car, but not by a viable bus line. That branch was closed with no warning, no signs posted, just the sign saying the branch had moved to the XXXX Road. Let me point out that location is XXXX block from the XXXX XXXX line and another branch is located XXXX, on the same street, less than XXXX miles away. 
They have also closed the XXXX branch ( all XXXX neighborhood ). 
NO ATM 's have been added in our neighborhoods that accept check deposits, in spite of their lies to the contrary back in XXXX 2013. 
I am XXXX years old, my mom is XXXX. Neither of us drive, so for them to blithely point to XXXXneighborhoods where we can do our banking is just not acceptable. Those banks are all readily accessible within a XXXX 15 minute car ride - but why do we have to leave OUR neighborhoods to find a branch? Why do we need to get a RIDE to access our bank? If you can ask them these questions, I would like to see the lies they come up with this time. 
I do n't care if they sponsored the stadium. What I want is not to spend XXXX or more HOURS to get to the bank to deposit a check. 
Thank you.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MD)

I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.
Consumer complaint received 2015-06-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TFLC Trust (FL)

I am XXXX years oldBorrowed mortgage money XXXX on my homestead home to start a business in XXXX. 
Made interest only payment, timely of XXXX. 
I am going to pay off the mortgage and now the lender has added XXXX in fees. 
Accrued Interest Thru XXXX XXXX, XXXX XXXXMortgage Satisfaction XXXX. 
Deferred Loan Origination Fee XXXX. 
Deferred Processing Fee XXXXPrepayment Fee XXXX. 
Payoff/Profesional XXXX. 
Wire Fee XXXX. 
Loan Administration Fee XXXXEscrow Fee XXXXI thought I would have to pay up to XXXX in fees but these seam to be totally beyond fairI want an opinion whether these fees are legal
Consumer complaint received 2016-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

I was contacted by a NelNet collections agent requesting payment back in XXXX XXXX. I have not attended college at the XXXX XXXX University that they claimed that I did. When speaking to the agent in XX/XX/XXXX/XX/XX/XXXX we confirmed that the original address and email address was the fraudster 's information. We requested a fraud packet to be mailed to my address to complete. I filed the police report and sent all the verification documents to the company XX/XX/XXXX. I was advised that it would take a couple of months to process it, and I did n't receive another call until XXXX XXXX. When I received the call in XX/XX/XXXX, I was surprised to hear that not only have they not complete the Fraud claim, but my " account '' was further past due and if it goes any further then they will garnish my taxes and wages. This is insane. I have not attend a college since XX/XX/XXXX, and when I did I did not receive any loan to pay for the tuition. I just spoke to a XXXX on the phone from Nelnet today who stated that they would email me the documents today to complete again, but it will take a few months to clear up. 
XXXX
Consumer complaint received 2020-04-19
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. (TN)

The complaint involves Equifax ; XXXX  and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Consumer complaint received 2015-05-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (CO)

I 've been using paypal via ebay since the XXXX 's I used to make my living that way now it 's just part time. Yesterday I made a small purchase no problem but today when I tired to make another small purchase I found that paypal has blocked my account forever. When I called them they only said " we do n't have to tell you why '' and 'we will never tell you why ''. I have NEVER had a problem with paying for my purchases so why the extreme discrimination? Why the attitude? How do they keep getting away with doing whatever they like with everyone 's money? How is it that the internet ca n't even come up with who regulates paypal in the usa? Please help me.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (LA)

leased a XXXX VW jetta and several months later was victim of Hurricane XXXX and made to evacuate my home located XXXX XXXX XXXX XXXX XXXX. My spouse and I traveled to XXXX and made a total of six tries to return to our townhouse to view damages, we were not allowed. I informed VW at sometime during the chaos of our dilemma and was informed that the company was aware of the disaster and not to worry just take care of myself and family. It was brought to my attention my VW in XXXX that the lease was ending and that there would be additional costs reverberating to the end of the lease I informed VW that I could not afford further monies due to a XXXX in XXXX that prevented me from working. We agreed that to return the car to VW would be in both our " best '' interest and thus with a " heavy '' heart I returned the vehicle in XXXX of XXXX. I recieved a letter dated XXXX XXXX, XXXX ( Over three years later ) stating that I owed {$10.00}, XXXX. I called and was informed that this was due to mileage, wear and tear on the vehicle. I informed her about the conversation that transpired in XXXX during Hurricane XXXX evacuation as well as the lease was a " four-year '' term and it concurred " normal '' wear and tear! The agent sent me to XXXX other people because there were absolutely " no '' records besides " payment arrangements '' on my records! It is ludicrous to charge me such an " outrageous '' amount sent to XXXX XXXX in the amount of {$19000.00} ( high balance ) that is " double '' the price of the vehicle. VW received ( in payment ) an approximate amount of {$18000.00} throughout the lease. I do not believe that I should be listed in the credit bureau for a charge off of {$12000.00}!
Consumer complaint received 2018-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

This is a new complaint that is a continuation from a previous complaint that is still not completely resolved. Mr. Cooper explained and fixed the previous issue with my payments. However, in the process of the issue and because it took so long to fix this issue, several other problems have now occurred with my mortgage. 

Because my mortgage was left unpaid for so long even though I made the payments, it was put in a foreclosure status causing us to receive notices in the mail and letters from lawyers. Just when I thought this situation was resolved, I received an email from XXXX showing my own home for sale in a pre-foreclosure status!!! Talk about adding insult to injury after all of the other mistakes that have happened!! 

In addition, I found out during this whole process that Mr. Cooper paid my homeowners insurance and is now trying to raise my payments. They had no right to pay my homeowners insurance without asking me. Our HO insur. was on a automatic debit. I received a check last XX/XX/XXXX that said is was an overpayment of my Escrow. I thought they meant my property taxes since I was paying my HO Insurance on my own.
Consumer complaint received 2020-04-19
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. (OH)

To Whom It May Concern, The reason for my dispute is THE FOLLOWING ACCOUNTS HAVE NEVER SENT REQUESTED LEGAL DOCUMENTATION THAT I NEED FOR MY PERSONAL REVIEW : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX all of them were required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, they failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) they failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation these third party collectors are held liable as well for defamation and in the state of XXXX  indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with XXXX  LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. none has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2016-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (MI)

This is with regards to XXXX/Mohela account # XXXX. 

Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records, you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed, a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response, because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment, which is in the form of the new loan, while not getting the benefit of the funds. I believe that XXXX/Mohela has such a practice in order to maximize their liquidity at the detriment of the little guy - the student loan borrower. Why should they have a right to my cash? They have the administrative power to process extra loan payments within just a few days - why do n't they refund within just a few days? 

I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself, but also for the many other student borrowers who are being harmed by this practice. They should promptly refund any negative loan balances!
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have disputed this account in the past because XXXX told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. XXXX agreed and sent out an update. XXXX and XXXX updated it. But Experian is the only one who refused to update the account. I attached a letterhead from XXXX attention Experian letting them know this account should be updated and also they sent out a signal to all XXXX reporting agencies to make sure it is updated. I attached letterhead from XXXX and account information.
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (FL)

we moved out of an apartment, we were refused walk through and billed for damages without any kind of proof, they also said we did not pay a security deposit which we have a cancelled check proving we did
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

Experian is unreachable by any means. 
I applied for my annual credit report from Experian ( I requested it online through annualcreditreport website ). I was denied because " it had already been requested ''. I had NOT requested it in 2016. I noted on the annualcreditreport website problem option that I had not requested the report and explained my concern about fraud. I have a fraud alert on file because my social security number was fraudulently used to file a tax return. I am concerned that someone has fraudulently requested my credit report. 
I am unable to contact Experian. Every phone number, webpage, etc ends up in a deadend - I can not get a real person or even a means to submit a detailed email for response. 
How do I get in touch with a real person at experian to address the situation about someone else requesting my credit report.
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jacobs, Marsh LLC (WV)

I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: XOOM CORPORATION (NH)

XXXX has a money transfer service that claims to transfer money top a debit card in 30 minutes and to XXXX within minutes. I first tried the card option which took the money out of XXXX and held it for 12 hrs before cancelling with no reason listed on the account portal. I then tried the XXXX  option and after several hours cancelled since the money did not get there in minutes. The money did not make it back to my account for several hours I called them. They said that the card came up expired, it was not, and they couldn't do anything about it. They also said that since I cancelled it would take 3 days to get my money back. This has caused severe financial hardship leading to extra overdraft fees on other accounts and left family members stranded w/o money. This company needs to be fined and forced to be honest about how long these transfers and refunds take up front. Many of us are living on a razors edge and stunt like this can have sever consequences.
Consumer complaint received 2017-03-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.
Consumer complaint received 2016-10-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Nelson and Kennard (CA)

NELSON AND KENNARD ON BEHALF OF XXXX XXXX XXXX HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
XX/XX/XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED XXXX XXXX XXXX TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN XXXX XXXX XXXX CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XX/XX/XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF XXXX XXXX XXXX ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XX/XX/XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY NELSON AND KENNARD ( LETTERS ATTACHED ). NOW ON XX/XX/XXXX I WAS SERVED WITH THE SUPPENAT FROM NELSON AND KENNARD REPRESENTING XXXX XXXX XXXX FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT XXXX XXXX XXXX TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. NELSON AND KENNARD IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XXXX transferred my foreclosure account to BSI and XXXX are reporting on my credit reports. BSI is reporting the BK chXXXX as a foreclosure. They refuse to make corrections. The Bk is 4 years old.
Consumer complaint received 2020-04-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX of XXXX XXXX of XXXX XXXX  XXXX was used as the reason for the suspects to XXXX  my family and I. XXXX XXXX Account # XXXX and any association to XXXX   under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more XXXX  on innocent. 
XXXX account # : XXXX XXXX : XXXX  XXXX  XXXX XXXX, XXXX  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX