davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION (NC)

M & T Bank hasnt processed insurance claim check sent to them by Foremost Insurance to pay check issued to pay claim for XXXX XXXX destruction of camper. This is causing my account to appear to be past due which will result in finance charges and my account being listed with credit bureau. This will affect my perfect credit rating score. I cant understand why this {$25000.00} hasnt been applied to my account. It has been over 2 weeks since Foremost sent check.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I had my payment scheduled to withdraw from my BoA checking account. That afternoon, I checked to make sure all payments scheduled from XXXX XXXX, including this payment, had been sent. Saturday morning, I received an email on my available balance which was lower than expected. I checked the app and noted they had taken a double payment on my credit card. I immediately called customer service to have the second payment refunded. On XX/XX/XXXX, I received an email they had lowered my credit line. They have been doing this about every XXXX months so I ignored it. On XX/XX/XXXX or XXXX, I received an email from them that they noticed XXXX payments. I was instructed to do nothing if I had already contacted them or if this was intentional. On XXXX I called again because it was taking entirely too long for them to give me my money back. I was informed by the rep XXXX out of XXXX XXXX that they were sending me a letter stating they could only refund {$58.00} because to refund the full amount would put me over my limit. This is purely their fault. If they hadn't lowered my limit so quickly after my payment, I wouldn't have been over the limit. My new statement hadn't even processed. I feel like they intentionally took double payments and are refusing to correct their error. The least they could have done was increase my limit to an amount that allowed them to refund the full amount. Needless to say I am ending all my accounts with BoA except the credit card. I've been with them for over 30 years and have defended them when people ask me why I bank with them. In the last year, they have done nothing but make it harder for a person with a modicum income to bank with them and I'm done.
Consumer complaint received 2024-10-18
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



UNAUTHORIZED INQUIRIES : Equifax XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$16000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AZ)

My wife, XXXX XXXX, was the primary holder of a XXXX XXXX XXXX credit card. 
My wife died XX/XX/XXXX. I notified Barclays of her death. Barclay personnel said that I needed to fill out some information and the details would be sent to me. Then, Barclays billed me the next years card fee. They made it seem that I was not paying a bill. That could be reported to a credit bureau and reduce my credit score. I contacted Barclays and they would not resind the charge. 
I spent a long time on the phone trying to resolve this isssue but the people would not let me speak with someone who had the power to delete the charge.
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

In XX/XX/year>, Mohela transferred over to dept of education. Prior to this I was on the pslf program and only had a few months left. During this time, Mohela sent out information saying nothing would change and the PSLF counts would be counted during the admin forbareance. They counted XXXX, and XXXX and is saying now that the XXXX time doesnt count because of loans were in forbareance DUE to THEIR changes of transitioning. I did not ask for the forbareance and asked for it to be taking off which it was at first. During this transition time, they added it on without permission. I called and they said time would be counted. Come XXXX, and my payment was qualifying, and I had payments due XXXX XXXX and then again in XXXX, due XX/XX/XXXX, and come to find out my loans are in forbareance again, this time until XXXX which would have been under borrowers defense which I know I signed to NOT be in forbearance and called and filed complaints.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA (CA)

When switch from Mohela to mohela student aid unable to make payments. I started receiving emails from Mohela to make payments but when click link doesn't work, or when try to log on and ask to change password with my Social, get message that there is no account. Tried to reach Mohela at XXXX XXXX XXXX and XXXX at XXXX XXXX XXXXsame electronic message unable to get through as won't accept my social. So I can't log in, I can't get through on phone so I can't make a payment. I also want to speak to a person to see if there is a forbearance for caregivers. My husband has had XXXX XXXX  betwee XXXX and XXXX and is now on XXXX for XXXX  XXXX XXXX XXXX. He is XXXX XXXX XXXX and I am XXXX XXXX XXXX. I am his primary caregiver and also still work full time. Please help!
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

On XX/XX/year> I applied for a loan consolidation and re-submitted income verification to remain enrolled on the XXXXXXXX XXXX. I was enrolled in the XXXX XXXX, and made my last payment of {$860.00} on XX/XX/year> to XXXX. As a result of the consolidation, my loans were temporarily transferred to XXXX, then finally to MOHELA. When my loans were transferred to MOHELA my payment increased significantly to {$1900.00}. Prior to my XXXX payment being due, I contacted Mohela by email, which was not promptly responded to. About a week later, I called in, and placed on forebearance. However, I have now received notice that I have a payment due on XX/XX/year> for {$1900.00}. Nothing has changed about my income situation and it is my understanding that no payments should be due while XXXXXXXX XXXX is being finalized. I resubmitted a request to MOHELA to explain why my forebearance has ended when nothing has changed about my situation, and XXXX is still on hold due to XXXX XXXX. I would switch to another income driven plan while XXXX is pending but I do not trust MOHELA to handle this transition given their incompetence so far. I would pursue this or would like the forbearance due to the XXXX transition to be extended.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America recently updated its XXXX interface so that when I share the transaction receipt with the recipient, it now displays my account balance alongside the transaction details. This was not the case before, and the bank did not notify me of this change. As a result, I unknowingly shared my account balance with someone else, which I consider a serious privacy violation.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

I am filing this complaint against Nationstar Mortgage LLC ( Mr. Cooper ) due to excessive and unjustified property inspection and maintenance fees charged during foreclosure proceedings, and for their failure to adhere to VA servicing guidelines, which ultimately led to my property being demolished. 

Nationstar has charged me multiple inspection and maintenance fees for my property that they failed to maintain according to VA loan servicing guidelines. The property was vacant resulting in local authorities demolishing it. Nationstar 's neglect in maintaining the property, despite charging me for inspections and services that were either not performed or not properly documented, has caused significant financial loss and emotional distress. 

As part of their obligation under VA servicing guidelines, Nationstar was required to conduct timely inspections, preserve the property, and ensure the property remained marketable. Their negligence in following these guidelines, as outlined in : VA M26-4, Chapter 9 ( Loan Servicing and Claims ) VA Circular 26-10-1 ( Servicing and Loss Mitigation Guidance ) Their failure to take the necessary actions led to the propertys degradation, culminating in its demolition. Despite their negligence, I was still charged unjustified fees for inspections and maintenance.

I contacted Nationstars customer service on XX/XX/2024 to request an explanation for the fees and express concerns about my online account being locked. However, I received no adequate response or documentation to support the fees. 
I sent a Qualified Written Request ( QWR ) on XX/XX/2024 requesting detailed information regarding the charges and the actions taken to maintain the property. Nationstar failed to provide a satisfactory response.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I have an overpayment ( negative ) balance on a loan. I want that applied to my other loan that still has a positive balance or put back in my bank account. They will not do it despite asking twice. They told me I needed to call them to give them more information, but it is impossible to get a human being on the line. If you select an option to speak to a representative it starts the automated call experience over.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: INTERCONTINENTAL EXCHANGE, INC. (NY)

Invested in Bitcoin via US Company ICE ( The Intercontinental Exchange ) starting in I think XXXX. A few times adding up to like XXXX. XX/XX/XXXX last investment and then tried to sell. They said I needed to pay taxes first which I did for just over XXXX. Then after that I was expecting my sell transaction to go through but they came back saying XXXX required a deposit to verify the money and confirm no money laundering going on. They required XXXX... .I came up with half but I don't have the rest and I reached out to XXXX and they say they don't require deposit and don't freeze accounts, but ICE still says they need this deposit. So I may have been taken. Hope you can help, maybe verify if deposit is required by XXXX but email I recieved from them says no. BTW I was sent to you by Financial Crimes Enforcement Network of US Treasury. Balance at time was XXXX XXXX Dollars.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

MOHELA HAS RETURNED ME TO COLLECTIONS AND SENDING COLLECTION NOTICES EVEN AFTER MULTIPLE ATTEMPTS TO FORBEARANCE, OR APPLYING FOR THE PSLF OR SAVE. AT ONE POINT I WAS ON THE PROGRAM AND THEN IT RETURNED TO COLLECTIONS.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (UT)

Hi, I made a payment to close out two loans, but only one of the loans appears to be processed. On XX/XX/year>, I paid a total of {$50000.00} which is confirmed in my bank statement and Mohela receipt, but the site only says that I paid {$29000.00} on that day to one loan ( 1-13 Direct Loan ), and it seems that it was the only loan processed. I am wondering where the rest of the money is, and why it has not paid off another loan? I believe the other loan I was trying to pay off was " 1-12 Direct Loan-unsubsidized '' because of its high interest rate of >7 %. Thank you for any help you can offer. I can provide a bank record if necessary to prove that I paid {$50000.00} to Mohela.
Consumer complaint received 2023-08-17
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I have tried to resolve this matter with MOHELA /Dept of Education and I never get anywhere with agents via phone other than conflicting information ( different information from different agents ). There has been so many CHANGES with this student loan mess and I believe my paperwork that I filled out went unnoticed. I am a XXXX and was on the PSLF /SAVE and now I'm not sure what's going on other than they keep reporting a higher balance to the credit bureaus which is incorrect. I am needing someone higher up with the department of education to reach out to me regarding this matter as soon as possible. My # XXXX. Students need to be kept in the loop of their account and what different information means or is. Not me getting a bill for XXXX which is wayyy above what I can afford as a single mother of XXXX.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Skopos Financial, LLC (LA)

I have been battling with Reprise Financial for the majority of this year ( XXXX  ), over a loan that was taken out under my name fraudulently on XX/XX/scrub> XXXX 
This is a loan for {$9400.00}. 
The current amount due is {$2500.00}. 
I do not have this money, nor have I ever heard of this company before. 
I have provided them with all the information requested of me, such as a copy of my social security number, my license, a full police report, and a notarized affidavit. 
Their customer advocacy is stating that the loan will remain as is, and the investigation closed. If I want to reopen the investigation, I would have to provide ANOTHER police report with a potential suspect, as they are claiming this is " Friendly Fraud '' a term I have never even heard of. 
I do not know of, nor do I have the resources to provide a potential suspect, because I do not give my personal information out. 
I know that personal information is easy to access and could have been gathered anywhere on the dark web. I do not know what to do/provide this company with in order to close and remove this loan from my name and they refuse to give me anymore information.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IL)

Citi bank shared my credit card number to a company without my consent. Apparently this can be done automatically without the consent of the card holder Unless the card holder puts a do not share in place. I was not aware of this as XXXX sure many cardholders are not. Why on earth would this be allowed with all the credit card hacking that is prevalent. I have put a XXXX not share protection in place with Citi as they gave me the option to do so. In my opinion the XXXX not share should be Standard operating procedure!!
Consumer complaint received 2024-09-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

Lexus Financial Services has consistently miscalculated my Personal Property Taxes due. Additionally, my monthly lease payments have not been properly credited this year, resulting in numerous harassing phone calls that have embarrassed me during work hours and in the evening. I have sent requests online and called several times to try to resolve these matters to no avail. This has caused me a great deal of time, stress, and XXXX. All I have asked is that Lexus Financial Services properly credit my monthly lease payments and properly calculate any Personal Property Taxes due. It appears as if LFS is still not crediting me with the discounted PP Tax on the first {$20000.00} value of the lease value of a leased vehicle for personal use.
Consumer complaint received 2024-09-20
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-09-20
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. (OH)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.