davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I have XXXX federal loans serviced through Mohela, all eligible and being counted for XXXX. XXXX of my loans ( Loan # 's XXXX and XXXX ) have already met qualifying criteria for forgiveness. I have been waiting on Mohela to process the paperwork for my employment certification ( submitted on XX/XX/23 ). Hence I have been charged for these loans in XXXX, XXXX and it appears again in XXXX even though I should have XXXX qualifying payments. 

To make matters worse, Mohela strangely put my remaining loans in forebearance, meaning I am not getting any credit for payment on these AND am being charged interest. I have called at least XXXX times to get this corrected with each representative giving me different and conflicting information. I have asked to speak to a supervisor and no one will let me. I have sent emails on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 with no response. So Mohela is charging me on loans that should be closed and disallowing me from paying loans that I need to pay to meet my XXXX qualifying payment count, and charging me interest. It feels like this company is intentionally stealing from it's consumers. I've raised this issue with my congresspersons and am advancing it here for hopeful resolution. 

Mohela has acted with complete disregard every time I've called to try and gain resolution and I refuse to continue to be taken advantage of like this.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

I had an auto loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. On XX/XX/XXXX my car was repossessed. At that time I learned that XXXX was no longer the lender and West Lake Portfolio Management had assumed my loan from XXXX. I was never notified that West Lake was the new lender, prior to that time my payments were on auto draft from my bank with XXXX. West Lake claims they made attempts to notified me that they were the new lender but I did not receive any emails, phone calls or mail. They also confirmed with me that all my mail was returned to them. I am an XXXX XXXX military and I do move often, West Lake had my current email, phone number and personal references but made no attempts to use that information to contact me. I feel like West Lake did not make adequate attempts to try contact me and repossessed the car prematurely. When my payments didn't come out of my bank account from XXXX, I called immediately but was unable to speak to anyone, operator stated 'not available '. By the time I made contact with West Lake they had already repossessed the car and added substantial amount of fees to the past due amount owed. On XX/XX/XXXX I made a payment in the amount of {$100.00}. I was prepared to pay the full amount that was past due. But due to the excessive fees ( towing, storage, late fees, auction fees, etc. ) which I do not feel that I am responsible for I did not pay. I feel like these fees were avoidable if they had made proper attempts to contact me. I am an XXXX XXXX solider and West Lakes premature actions have caused me and my family a serious hardship.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (AZ)

On XXXX XXXX I attempted to log into MyLoancare via XXXX XXXX XXXX to pay my mortgage. The website was not working. I called in to the customer service number on the same day to inquire as to when I would be able to pay my mortgage. The representative had no information as to what was the cause of the outage or the timeframe as to when it would be operational again. She simply told me to call back next week. I did as she requested and called on XX/XX/, however they were no longer accepting customer service calls at all. I re-attempted to log in to my account and was again unsuccessful. There has been zero communication from either XXXX XXXX XXXX or MyLoancare.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (IL)

On XX/XX/, I contacted the agency. When speaking to a representative, I made a simple request to remove comments from the account. The representative stated to me that in order for the comments to be removed, I needed to pay the account in full. 

This is a violation of FCRA! 

I am no longer disputing the account and have not disputed this account for a while. I was simply asking for the comments to be removed.
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/2023, I purchased XXXX gift cards ( XXXX for {$200.00} each, and XXXX for {$100.00}, totaling {$510.00} dollars, including each card activation fee ) at XXXX in XXXX XXXX, CA. On XX/XX/2023, I mailed via USPS with tracking to XXXX XXXX XXXX XXXX XXXX these XXXX cards to a business colleague 's USPS po box as a financial referral for business work. When the colleague attempted to use these cards in XX/XX/2023, all three were unopened, and unused. When he tried to spend them in XXXX California, all three balances showed {$0.00}. After looking up the card serial numbers and checking their balance, it was found that all three cards and all {$500.00} were spent in varieties of grocery stores in XXXX XXXX California and all transactions on XXXX. Work colleague and myself were never in these cities and the cardboard XXXX gift card packaging protecting the security codes were never opened until XX/XX/2023. Criminals had scammed these cards in advance. I am out {$510.00} and no one is willing to help. Appreciate all support and I can provide initial card purchase receipt from XXXX, tracking number from USPS, and paperwork showing the cards spent illegally in some random place no one was present at.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have an XXXX Credit Card, it used to be issued by XXXX XXXX, but was switched over to XXXX  XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with XXXX XXXX  was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did XXXX XXXX XXXX XXXX  XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly XXXX points. 

Since then I have dealt with customer service for credit disputes at both banks ( XXXX XXXX, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX  XXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a XXXX written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to XXXX XXXX  XX/XX/XXXX. All of these came back denied. XXXX XXXX  still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe XXXX XXXX  originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX  XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Applied for Citi American Airlines card when purchasing a airline ticket to get a card to accumulate miles about a month ago. Card offer said I'd get XXXX miles if I spent {$2000.00} in first four months including available balance transfer at intro APR of 0 % for first 14 months with a one-time balance transfer fee of 5 % of balance. 

I received the card this month & activated card this morning. When I went to balance transfer option, the intro APR rate was 29.99 %. I tried an online chat that went nowhere for about 15 minutes because the Representative " XXXX '' said their systems were very slow this morning. So I called & the person kept putting me on hold to check on things & finally after about 20 minutes said they'd put in a query about it and see what would do. I said 'cancel the card ' because it just seemed a little too shady.

I don't expect any additional results from this complaint but just wanted to mention it because it's so obviously & blatantly wrong.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have information appearing on my credit report that I need deleted/removed it is not accurate. My name is XXXX XXXX please remove any variations of my name. My current employer XXXX XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

I was traveling in XXXX, XXXX when my phone was stolen from me. The person who stole my phone took it out of my hands while I was trying to call an XXXX on the side of the street. The person was riding a motor bike at the time, and escaped quickly, never getting off the bike during the entire episode. Unfortunately, the attack was sophisticated. My phone was open when it was taken out of my hands, and the attacker was able to gain access to my gmail and some financial accounts before I was able to suspend the phone line and erase it from my apple ID. The person who stole my phone successfully transferred {$1400.00} ( USD ) from my bank account to another account in an unauthorized transaction using XXXX from inside the PNC mobile banking app. 

I have disputed this transaction twice as an unauthorized electronic transfer. Both disputes were denied. When I called over the phone, they used the fact that I authenticated my account with a text message from my same phone number as evidence that I was using the same device. However, I have received a new device in a timeline which coincides with my account, for which I have insurance claims. I also have evidence showing that my XXXX account was hacked ( recovered ) right before the transfer of funds. I think these two facts alone are sufficient to draw serious doubt around PNC 's conclusion that I authorized the transaction. Why would I recover my own XXXX account to send a zelle payment, and why would it coincide with me suspending service to my new phone and filing an insurance claim that it was stolen and getting a new one. 

The fact that I have a new device is plain and easy to prove. It has the same number because they installed an electronic sim card remotely on my new device with the same number. Having the same number is not sufficient to prove that I was still in control of the same device. 

In the mail I was sent which explains the evidence used to reach the conclusion, two points are stated : " Evidence that the device reported lost or stolen continued to access the account after the login information was changed. '' " Login information confirms authorized user accessed the account. '' Both of these are inconsistent with my account and the electronic evidence I have regarding reporting the phone stolen, filing an insurance claim, and my XXXX account and other electronic accounts being hacked. 

I think it is clear that PNC is intentionally trying obfuscate the fact that they conducted a biased investigation so that they would not have to return the funds to me as is required by the Electronic Fund Transfer Act. They have been exceedingly unhelpful both in allowing me to submit additional information ( which I went to my local branch and pleaded with them to let me do when I filed the second dispute ) and in terms of being transparent about how they reached their conclusion.
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (TN)

My loan was transferred to Selene Finance in XXXX of XXXX. I filed bankruptcy in XXXX and my loan has been transferred to several servicers in the last XXXX  years. I had a modification in XXXX that I acquired legal fees that show on my payoff balance with the understanding that the fees would be paid on refinancing or if I ever provided them written consent to appy payments to that balance. In XXXX, XXXX had a different website/payment system and I was unable to view payment history or see where payments were applied. In XX/XX/XXXX they updated their site and I am now able to view payment history and see where payments were applied and found numerous discrepancies. XXXX sent me a payment history from their system as well and does not match the site. I have also found on numerous occasions they have applied part of my mortgage payment to previous legal fees that I did not authorize. I am now trying to refinance and these issues are causing me delays in declines with prospective mortgage companies. I have asked XXXX verbally and through writing to fix the errors and they are either non-responsive or take weeks to get back with me. I called last week with a XXXX party to verify mortgage and the customer service rep with XXXX was not cooperative and would not provide the needed information over the phone and stated they would have to have the request in writing. I have provided research to XXXX on the discrepancies and receive different feedback and info with every interaction with the company.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX  XXXX. I deposited the check into my checking account ( XXXX  XXXX XXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX  XXXX XXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX  XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and XXXX XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

my inforamtion was sold and bought illegally because i was a victim of equifax data breach i want this items deleted from my credit report effective inmediately equifax had admittted that infact my info was compromised and equifa have done nothing about it until this day please help me delete this illegal accounts cars credit cars phones
Consumer complaint received 2020-01-22
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: Experian Information Solutions Inc. (GA)

OnXX/XX/2019, I mailed a letter to Experian credit bureau notifying the credit bureau of errors found in how accounts are being reported by them on my credit report. These accounts contain blatant errors in how they are being reported on my credit report. I've tried pleading with Experian to right their wrongs multiple times. Experian does not care less about errors in their customer 's credit report. They continue to verify false information on my credit report, even when I dispute it and provide evidence to support my claim. They claim and investigation has been done, but nothing has changed. My accounts are still reporting the same, showing the same inaccuracies. This is unacceptable.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My income has been much lower this year due to the nature of my job. I am a XXXX XXXXXXXX. I have tried twice to get help with Bank of America. The first time the rep offered a higher payment then I already had, the second she tried to Push me into a debt management company. 


When I declined the rep said I really needed to make payments and offered no other solutions except payment my bill or enrolling in a 60 month program. Every other company has offered a reduced monthly payment till I catch back up.

Please look into Bank of America and their practices. They should offer more solutions besides a debt management non affiliated 3rd party.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX XXXX  behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to Experian on XX/XX/2023 I Disputed the debt with Expirian and they did not provide a clear response to the dispute. I contacted XXXX  and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the Experian report I reported again to Experian and XXXX the error XXXX  finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and Experian is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

I have tried several times to use this American Express prepaid card online as it is an egift card. Every time I attempt to use it, payment gets rejected. Yesterday, XX/XX/2023 I attempted to purchase from XXXX XXXX  through XXXX but it was rejected. I was charged a XXXX fee but the order would not go through. I also attempted to load {$10.00} to my XXXX app, but that also was declined. These companies say they accept American Express, so I don't understand why it keeps getting declined.
Consumer complaint received 2023-11-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

On XX/XX/XXXX I purchased a US Bank Mastercard gift card from XXXX for {$500.00} + {$6.00} fee. I have attempted to use this card multiple times and it does not work. I was informed by US Bank support to fax in the front and back of the card and id. I did this multiple times, including multiple pictures of my drivers license. I called approximately XXXX times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I talked with a supervisor and he told me the first fax that I sent on XX/XX/XXXX was readable so it should go through properly. Each time I call I'm told id is in reverse image which apparently means it isn't completely legible. Keep in mind I confirmed XX/XX/XXXX first fax had an image that was entirely legible per supervisor. 

I am attaching the front and back of gift card.