davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (VA)

This was a debt to XXXX XXXX XXXX XXXX. This was paid on XX/XX/XXXX to XXXX XXXX. XXXX XXXX with XXXX advised they would notify Cascade that this was paid. I was sent receipts and it was removed from my creit report. In XXXX of XXXX I received notice from XXXX XXXX that this was being reported again on my credit report as unpaid. I contacted XXXX XXXX with XXXX and advised her what happened. She advised she would reach out to XXXX and make them aware this was paid once again. I contacted XXXX XXXX and the new debt collection company. The company asked for my receipts and immediately removed the item from my credit reports. Then in XX/XX/XXXX I received notification again from XXXX XXXX that a collections account was added to my credit reports. Once again the collector was XXXX XXXX XXXX XXXX/XXXX. This time with another collection company XXXX XXXX XXXX. I contacted the new company on XX/XX/XXXX and sent them the receipts showing it had been paid. I was advised that the back office needed to handle this. it would take 7 days. On XX/XX/XXXX I had not heard anything and contacted them again. I spoke to XXXX at ext XXXX she asked me to send the receipts again which I did. I waited to see if it would be removed or hear something from them. Nothing. On XX/XX/XXXX I contacted them again and they said it would take XXXX days and that I needed to contact the creditor that they got it from XXXX. I contacted XXXX on XX/XX/XXXX they said contact XXXX. I also sent the receipt to XXXX on XX/XX/XXXX. Because I was tired of getting the run a round I contacted XXXX XXXX with XXXX. She advised that she would contact XXXX once again. As of today XX/XX/XXXX this item has not been removed from my credit report. I am in the process of trying to purchase a home and each time they add this my score drops.
Consumer complaint received 2019-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (VA)

I took out a 7 year installment Personal loan to replace the upstairs air conditioner for my house. The rate quoted was 14.99 %, the actual effective rate over the lifetime of the loan is 44 %. I took this out in XXXX of 2017 and have had numerous phone conversations with Discover about how I was misled and deceived regarding the effective rate of this loan.I have told them that I want the loan changed to an actual 14.99 % loan calculated based on total amount borrowed multiplied by the interest rate divided by 7, which is what I was led to believe this loan was.This would give total interest of {$220000.00} over the life of the loan instead I am currently paying at a rate of over {$7000.00} in interest for the life of the loan. My latest call to Discover verified this so that the effective interest rate for the life of the loan is approximately 44 %.
Consumer complaint received 2016-09-28
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MT)

I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.
Consumer complaint received 2022-01-03
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-07-29
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (IL)

I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}! 

Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded! 
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I am one of the XXXX XXXX people already enrolled in the SAVE plan. My loans should already be in a XXXX-interest forbearance. My conolidation, which I performed at the request of the Biden Administration, should not have changed my SAVE plan enrollment. I am filing a formal complaint with the Consumer Financial Protection Bureau and with my state Attorney General.

The SAVE plan litigation has no doubt caused administrative confusion. But it is Mohela 's job to NOT make mistakes. There are other cases of Mohela messing up this payment pause and sending collection notices to people who are enrolled in SAVE. I am enrolled in SAVE and demand that I be put back on SAVE immediately, with the balance Mohela is requesting for payment XXXX  immediately. By consolidating, I did not give consent to be taken off the SAVE plan. I consolidated because the Federal government requested I do so, so I can be included in the federal plans for loan payment by the government. 

I make an annual income ( before taxes ) of {$24000.00}. I need this balance XXXX, to not be harassed, and to be placed back on the SAVE plan I have been on for years. While I wait for the SAVE litigation to be completed, I should not have the extra burden of an administrative mistake that impacts my credit score.
Consumer complaint received 2021-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/21 an unauthorized transaction was completed from my savings account to my checking account in the amount of {$5200.00}. The amount of {$5200.00} plus an additional {$3000.00} that I had in my checking account equaling a total amount of {$8200.00} was then wire transferred to a XXXX XXXX account under the name of XXXX XXXX XXXX with a memo claiming " Boiler Repair ''. This transaction was done without my knowledge or approval. 

I have had two declined claims from Chase and am currently in the process of a third claim with Chase 's executive office ( claim # : XXXX ). I would like to claim the transactions between accounts and the wire transfer as fraudulent and unauthorized transactions.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Consumer complaint received 2021-03-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services (CA)

I got a XXXX dollar loan. I tried on 2 pay periods to call and pay the loan and at each time it was busy. This is the advertised number to call in the site. Since then they have taken XXXX a week. I let them take the loan amoubt before issuing the stop payment thru XXXX XXXX. I want to warn others but I want action taken. This is fraudulent. I know I have paid XXXX thus far. They got another XXXX today. Hopefully XXXX XXXX will get that back.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I applied for a direct consolidation loan and the XXXX repayment plan at the end of XX/XX/XXXX, the consolidation loan was approved, and they delayed the XXXX plan and my application was closed without approval. I've uploaded documents multiple times to Mohela and XXXX and they are no longer showing that I uploaded them. I most recently uploaded another round of application for the XXXX on XX/XX/XXXX and I'm awaiting a repayment plan notice. I tried calling Mohela and the wait time exceeded XXXX minutes and I have a job and can not wait that long. I have emailed Mohela and only gotten notices that I am behind on paying. I am incredibly frustrated that this is happening. The process has not been this bad until XXXX XXXX and now everything is messed up and I can't get any information.
Consumer complaint received 2018-12-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mobiloans, LLC (FL)

I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. 

I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I applied for XXXX XXXX and was told that as long as I was still in process that my loan repayment would be in forbearance. However I began receiving noticies that I was behind on payment. Now Im being told I need to call every 60 days to extend forbearance which is not what they had originally told me.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I was the victim of a telephone Authorized XXXX XXXX  scam perpetrated by criminals posing as my bank, Wells Fargo, who manipulated me into using the online wire transfer system to transfer {$25000.00} to another Wells Fargo account. 
How did the criminals know I had a Wells Fargo account? 
How did the criminals know there was an excess of {$25000.00} in my account? 
Was my account hacked prior to the telephone scam? 
Has Wells Fargo investigated this incident after I reported it on XX/XX/2022? If so, what were the results?
Consumer complaint received 2020-12-08
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: CL Holdings LLC (OH)

On XX/XX/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen XXXX, did not close my account and sold the debt on the stolen card.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

At the end of the lease, I purchased a new car from the same dealership ( XXXX XXXX of XXXX ). They agreed and documented that they would pay any balances ( mileage and wear/tear ) on the leased vehicle I was turning in. The finance company is saying they never received payment. I provided both the Dealership and finance company with a copy of the We Owe/You Owe contract and the Deal Recap document from the dealership but the finance company says thats not enough, they want to hear directly from the dealership ... the Dealership will not return my calls anymore nor contact the finance company. The finance company has no notes stating that the dealership has tried contacting them.
Consumer complaint received 2021-03-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (TX)

Hello I need help. I have a mortgage that is guaranteed by USDA. Due to the loss of roommate income I entered into the Covid forbearance. I am in a position to resume mortgage payments now, however The Bank of Oklahoma who now holds the loan is offering me to make a lump sum payment of $ XXXX XXXX or a three month repayment plan. Neither of these options are affordable for me. 

Please advise other options I may have. I believe the bank is mistaken in their responsibility to assist homeowners to resolve their amount due. 

I am talking to a mortgage broker about paying off the entire note including the deferred amount of $ XXXX but I am told that there are regulations that prevent another mortgagor from refinancing until the forbear amount is paid off. 

Please advise as I understand my forbearance is ending the end of this month and I'm not sure what to do. 

Thank you for your time XXXX XXXX cell : XXXX XXXX, TX
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I am filing a formal complaint against my loan servicer, Mohela, for their failure to respond to my inquiries regarding the status of my Income-Driven Repayment ( IDR ) application and information on reconsolidating my loans back to XXXX. Despite numerous attempts to contact them via phone and email, I have received no communication or updates, leaving me in the dark about my repayment plan and financial obligations. Additionally, Mohela has begun requiring payments without providing any clarification on the outcome of my IDR review or my current payment schedule, causing undue financial stress. I request the Consumer Financial Protection Bureau investigate this matter and address Mohelas lack of transparency and failure to provide necessary loan information.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, 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. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (MS)

MOHELA has sent an email saying my monthly payment is {$710.00}. I have my loans on pause until XXXX they have sent emails and put them back into repayment. I called to get it stopped but they still sent a bill. Its hard enough with the loans I accepted to make my life better. Its hard to pay such a high amount then have my daily expenses. ( Mortgage, utilities, car payments, groceries, and gas plus try to save for retirement accounts ). I have been paying my student loans since XXXX. I was told a lot of my payments dont count towards my forgiveness because it doesnt qualify. They only counted XXXX payments toward PSLF from XXXX total payments I have made. They are making up their own rules with seemingly little oversight.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XXXX XX/XX/year>, I purchased XXXX ( XXXX ) MoneyGram money orders in the amount of {$150.00} each from a XXXX location for {$1.00} per money order. On XXXX XX/XX/year>, I purchased XXXX ( XXXX ) MoneyGram money orders in the amount of {$60.00} each from a XXXX location for {$1.00} per money order. 

All of these money orders were filled-out, but are no longer needed for their originally intended purchases. I am in possession of all original receipts from XXXX and the money order " proof of purchase '' receipt tabs ( that come attached to the money order at time of issuance ). 

Because the money orders have been filled out, my bank can not deposit or cash them for me. 
I have tried to request a refund from Moneygram, but am continually directed to fill out a money order replacement form that demands {$25.00} per money order. This ridiculous fee is 2000 % higher than the original money order purchase price and would consume over 20 % of the value of the money orders themselves. 

This fee is particularly reprehensible since money orders are most commonly used by disadvantaged low income individuals who do not have access to standard financial institutions. People should not be charged exorbitant fees to have access to *their* money.
Consumer complaint received 2021-03-06
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: ERC (NY)

on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.