davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

My student loans are serviced by Mohela - I called the toll free number today to address issues with my account that began last month. Since XXXX, I have been on autopay to pay my loans and the correct account has been withdrawn each month. On XX/XX/XXXX, I was notified that my repayment schedule was changing and for a short time I would owe a lower amount monthly ( {$230.00} instead of {$290.00} ). I assumed that since the autopay authorization was for a higher amount and allows Mohela to adjust it as needed, this would be handled automatically as it had been since XXXX. Then, the day after my usual due date - I received a notification from Mohela that I had missed a payment. I then made the payment manually and verified that autopay was set up correctly. 

Since then, I have been trying to confirm with Mohela that my autopay is correct, will adjust automatically as needed, and that it will be right going forward. I sent a message which received a response that was not helpful, indicating only that I was enrolled for autopay. 

Today, I was finally able to speak with a customer service agent and noted that my autopay page is showing that I owe more monthly than what my account summary page says. While on the customer service line with a supervisor whose name I did not catch, we continued to agree that the information on the account summary page was correct and the information on autopay was incorrect. This is a discrepancy of about {$60.00} per month. 

When I asked how to fix this, the Mohela agent continued to try to explain to me how autopay works. The first person I spoke to had also told me that she was not sure why the XXXX were not aligned. I continued to ask how they could resolve this and neither gave me an answer. 

The best answer I was given ( after almost 2 hours on the line with them, repeating the same information and getting the same answers ) was that I should just pay the lower amount and disregard the autopay amount. However, I emphasized that I do NOT want to do that given the fact that it says that it is due. 

Several times, I emphasized that this was them, and the Mohela website, giving me false and misleading information since they acknowledged that the information was correct on one page and incorrect on the other. 

Additionally, in regards to the autopay issues - I read to them the autopay authorization form, a legally binding contract between Mohela and I - that gives Mohela the authority to withdraw from my bank account, on a monthly basis, the amount due for my loans, and to increase/decrease that withdrawal in accordance with the amount due each month. They had nothing to say in response.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (WA)

After reviewing my credit report, I discovered that Target has been adding new " Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY " payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed!
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

I have already filed a comlaint about this but have a new issure with this company. I had a mortgage with First Merit bank. They had a law form send me the only notice i ever recieved dated XX/XX/2015 that i recieved on XX/XX/2015. This notice wa as i stated the only notice i ever got from then. It stated that they were plannnig to hold a forclosure sution on XX/XX/2015 for my house. Even this law firm admits they have no prof thatbo recieved prior notice of this. Well i sold this house for cash before they did anything. This loan was paid in full an closed on XX/XX/2015. The title company as well as the broker that did the closing said they never heard of a bank being able to charge for a fee called uncollected attorney costs when this was sold sn paid before it was forclosed. There is also nothing listed as to where an how much was applyied to this account that was being held untill it was paid. Then the final complaint i have is that on tuesday XX/XX/2015 sbout 15 minutes after i was relashed from a hospital where i under went a XXXX that i was unable to complete. I recieved a phone call from collections at First merrt bank. The guy asked me if i can pay the past due smount an if i plan to keep this home. Thats when i let him have it for reuining my day further after not being able to complate my XXXX. They do not have employees that can do there job an dont know to check things before they call an harrash people. I do feel they over charged me for this uncollected attorney costs that should be there exprense then to have to deal with somebody that does not have intellagence to know that this was paid 8 days before they harrash me. I now deel that First merit bank owes me a public appalogy as well as a refund for these fees assl as interest. They do not care about service they only want money. I have been in contact with a consumer protection attorney an looking into suing them for harrashment as well as XXXX medical bils from the strss they have now caused. Thank very much
Consumer complaint received 2015-11-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trojan Professional Services, Inc. (FL)

This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (NY)

My name is XXXX XXXX My email on my account is XXXX On XX/XX/year>, I opened an account with BMO and got myself verified and made a deposit of XXXX from my XXXX XXXX  account to my BMO account. 



On XX/XX/XXXX twice, I got email that my account have been accessed through another device which I do not own. 

I felt that my phone has been compromised because there was an email link I clicked from a supposed BMO which I thought was from BMO On XX/XX/XXXX, I felt that my device has been compromised and I bought another device and got into my BMO account and noticed that all the XXXX dollars have been sent out unauthorized from XXXX to an unknown person. 

I did not give my login credentials to anyone. 

I spoke with BMO and reported this incident and raised issue about these transactions I was advised by BMO agent to change my device and I told the agent that I've gotten a new device, so the agent sent a form to my email which is known as " ID declaration form '' and took it to notary to sign and notarize it. 

I have been to notary 4 times to make sure I got the form correctly notarized and it was accepted by BMO. 

I later spoke with an agent and disputed the unauthorized transactions and a claim number XXXX was given to me. 

The agent walked me through various departments to verify me and I was asked to set a pass code which I did. 

The agent transfered me to different departments and said that a new account would be opened for me so that my funds would he transferred in and I was given this number XXXX to call for a new account to be opened for me, as the agent said that the phone number is the team in charge of new account opening when there is account compromise, but when I called, they refused helping me. I spent over 3hrs on the phone with BMO but no solution to my issue I requested to speak with the fraud department , but the agent told me that the fraud department can only speak with me after 3 days and assured me the fraud department would call me. 

From that day till now, the bank has not called me to resolve this matter and I feel the bank doesn't want me as their customer. 

After waiting so long for more than 11 days now without hearing from the bank on this as promised, I have no option than raising a complaint here as I hope the bank will sort out this matter. 

I have attached the notary ID declaration the bank asked me to do before they resolve this matter, which I did. I have attached the email of the unauthorized account access too showing that someone without my knowledge gained access into my account twice or more.
Consumer complaint received 2024-10-02
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

I am on administrative forbearance because I am enrolled in SAVE. My servicer is Mohela. They were delayed in updating my forbearance, but finally did on XX/XX/2024, which is the same date as my payment due date. Additionally, I also confirmed that I was not enrolled in autopay via the portal. It showed ( and still shows ) that none of my loans are enrolled in autopay. I was previously enrolled in autopay prior to Mohela moving its website a few months ago, but did not re-enroll with the new website. 

So, despite not being enrolled in autopay and being in administrative forbearance because of the litigation involving the SAVE plan, Mohela took a payment from my checking account on XX/XX/2024. 

Mohela gave me very few options to handle this issue, and has inadequately responded to previous messages regarding my administrative forbearance. In fact, when I finally called in a few weeks regarding the administrative forbearance, they have an auto message telling borrower on SAVE to ignore in payment letters they received and I followed that guidance.

Additionally, because the portal showed that I am not enrolled in autopay, there is nothing I could have done to prevent this as Mohela took actions based on information that was not available to me in the portal.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.
Consumer complaint received 2015-11-04
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 (WA)

I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every time.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX
Consumer complaint received 2015-11-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I have reason to believe that my deaseased husband XXXX XXXX XXXX SS # XXXX, committed mortgage fraud and tax fraud in my name or my name that has been hidden from me until now because I was XXXX. I think that he forged my name on documents and included me on a bankruptcy without my knowledge. I believe that my credit report is also not disclosing this. I 'm currently working with XXXX to restore my identity.
Consumer complaint received 2024-09-03
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. (AL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account to ensure accuracy. Heres the account I am asking you to investigate : XXXX XXXX ( account number - XXXX ).
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.