davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (FL)

I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer, both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower, single parent raising ( XXXX ) children has been exposed to undo stress, anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX, Plaintiffs Servicer continually subjects Borrower to poor servicing, asking multiple times for same documentation, and threatening Foreclosure as they say I am NOT in " Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls, answer emails and subject me to more stress, frustration and sleepless nights. 7. Plaintiff fails to provide proper oversight of Servicer and their Federal Violations as outlined and required by " The Consumer Financial Protection Bureau '' enacted by Federal Regulations Act under Dodd Frank Law. 8. Borrower is writing a Formal Complaint to the Consumer Financial Protection Bureau asking for assistance and intervention with both M & T Bank and XXXX XXXX XXXX XXXX to ask for sanctions against both entities for these Federal violations and the approval of my loan modification. 9. Plaintiff and Plaintiff 's Servicer have failed to follow " Consumer Fair Debt Practices '' also a Federal and State violation. 10. Plaintiff for weeks and weeks has stated the modification is with the unwriter and borrower will be notified any day and that day has yet to come.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: M&T BANK CORPORATION (DC)

On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (MD)

On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.
Consumer complaint received 2017-05-22
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. (FL)

I had a federal tax lien withdraw from Equifax. My  XXXX  score was  XXXX  I requested and paid for an updated version of my  XXXX  score and it went up  XXXX  points only  XXXX  what 's wrong with that picture a negative item that was paid was removed and it impacted the score practically nothing Are they playing games with the consumers?      XXXX  17  tax lien was removed  XXXX  17  paid for and updated score at  XXXX
Consumer complaint received 2023-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

I obtained a home mortgage with Wells Fargo in XXXX. In XXXX the mortgage was sold to XXXX XXXX XXXX XXXX. I do not believe all payments were applied from Wells Fargo or through this transition. I've had this property for twenty plus years and my current mortgage company is showing a XXXX XXXX dollar plus balance.
Consumer complaint received 2023-07-22
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. (TX)

XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

XXXX  and  XXXX  are reporting incorrect information concerning a car loan that I have with Hyundai finance. Each credit bureaus are reporting that I have mis sed 6 payment s and I have confirmed with the financial institution that I have only missed  2 p ayments which is correct. But both credit agencies are reporting different. I have disputed this account with both agencies with no changes.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ERC (IL)

i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
Consumer complaint received 2023-07-22
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. (MI)

In accordance with The Fair Credit Reporting Act XXXX, Dept Of EducationXXXX - XXXX, Dept Of Education/XXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX, Dept Of EducationXXXX XXXX XXXX Dept Of EducationXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-02-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL) (FL)

I was charged by XXXX XXXX XXXX ( XXXX ) for " Services Performed '' during XXXX separate emergency room visits to XXXX XXXX XXXX Hospital ( XXXX {$990.00} ; XXXX {$240.00} ). I asked several times in writing that they provide a description and some substantiation of these " services performed '' for each billing ... XXXX simply kept sending duplicate copies of their bills. Eventually they turned both billings over to a collection agency -- AR Resources. I 've asked this agency several times to provide a description and substantiation of the " services performed '' as well. They have sent nothing more than a statement of account ( twice ), listing invoices sent by XXXX for the first ER billing only. I still have absolutely no idea what " services '' these people performed during either XXXX of my ER visits that would substantiate these charges ( that are over and above what the hospital ER charged ). AR Resources continues to ignore my requests for substantiation of these debts and has reported both of these billings as " collections accounts '' against me to credit reporting agencies. I 've disputed these claims with XXXX and XXXX ; XXXX has removed them from their report ; however, XXXX states that these claims are compliant with the Fair Credit Reporting Act.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NV)

Complaint already filed in regards to USBank access to mobile banking. They closed it stating that they locked my out on XX/XX/XXXX and after complaining open it XX/XX/XXXX. On the date I was able to get in line. The very next day again and still of of today XX/XX/XXXX I still can not gain access on mobile app. I have not used a VPN since this date. Why I am still getting the message there is a problem on our end. It shouldnt last long so please try again shortly. I reported no fraud and have not had fraud yet they decided to lock out my accounts. I am begging to have my access to my accounts. This is not right. 

Thanks XXXX
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

my loan amount was {$14000.00}. in 2011 my wages were garnished {$420.00} a month. This went on for 3 years. I spoke to someone and they said my loan will be paid off in 3 years. After I contacted Navient why they were still garnishing my wages, they informed me my loan balance is {$13000.00}. I had already paid {$14000.00} from the garnishment. Yet, I still owe {$13000.00}. 3 years later I am still paying and my loan and the balance never is going down,. this has been a night mare and the worst part. The school i went to bankrupt and my degree is no longer valid. so i paid all this money for a worthless degree.
Consumer complaint received 2017-05-23
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. (AL)

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Consumer complaint received 2023-07-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the Equifax breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time
Consumer complaint received 2022-12-14
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. (FL)

I have been a victim of identity theft and a XXXX fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (WA)

I am the co-signer on my daughter 's student loan with Sallie Mae. She applied for the loan to attend XXXX University. While there, it became necessary for her to transfer to XXXX University in XXXX, WA because of the rising costs of attending XXXX. She was supposed to have a two-year grace period after she graduated, which occurred last XXXX. SM made a mistake in the process, and told her that her grace period had expired!! Since then they have been constantly harrassing both of us. The payments they want are way beyond our ability to pay. She is a XXXX in WA. SM and XXXX are demanding {$1500.00} per month. We have repeatedly tried to work out a reasonable rate of payment but they have refused to do so. This has severely impacted my credit, it went from XXXX to XXXX in less than a month. In addition, they have called my cell phone even after being told to stop. Also, my work phone. I am ready to provide more detailed information, this is just a synopsis of what we have been going through since last XXXX 2016. We are willing to pay the debt, we just want something that resembles a manageable amount.
Consumer complaint received 2016-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: EdFinancial Services (CA)

I have contacted loan servicer Ed Financial services multiple times to clear up inaccuracies that have been reported to the credit bureaus and negatively impacted my credit score. My inquiries have been met with non-responses and delay tactics. Out of frustration, I referred this matter to the XXXX XXXX XXXX XXXX 's Ombudsman 's office and contacted this office. 

On XX/XX/XXXX, I contacted Ed Financial Services by phone to resolve their inaccurate credit reporting. Ed Financial asked me to send a fax with the information that needed updating and a letter explaining said problem. On XX/XX/XXXX, I received an email from Ed Financial saying they received my correspondence request. I called to follow up on XX/XX/XXXX and was told a supervisor would return my call. No one did. I 've followed up by phone again today ( XX/XX/XXXX ) and was again told someone would return my call, but they do n't have a way to connect me directly ( because it 's a different department ). 

During these calls, I have repeatedly been told Ed Financial has not been inaccurately reporting the information, although my credit report says Ed Financial last reported the account status for several loans in XX/XX/XXXX. Those loans were consolidated through XXXX XXXX in XX/XX/XXXX. I have disputed the inaccuracies with the credit bureaus, and when inquiring about the status with the bureaus I am told that Ed Financial has not contacted the credit bureaus to provide any update. 

These loans have also been reported to the credit bureaus in duplicate, and again as the consolidated accounts, so from anyone reviewing the report ( for credit decisions, renting an apartment, loans, etc. ) it appears like I owe upwards of {$65000.00} in student loans with past due status when the correct balance is approximately {$16000.00}. 
I have attached the correspondence I provided to Ed Financial, including my credit report with the inaccurate information circled. Thank you for reviewing the information.
Consumer complaint received 2022-12-14
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: PREFERRED CREDIT INC (TX)

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit cards not mine XXXX XXXX XXXX XXXX FCRA Violation other accounts not mine XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. 
Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-06
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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