davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

I recently got approved for unemployment on XX/XX/XXXX they released the funds in the amount of {$4000.00} on XX/XX/XXXX I recently received the bank card from us bank relia card i called and activated my card and my funds wasnt on there. I called unemployment on XX/XX/XXXX And they did everything on their end to locate the money. And the money being held was not on them it was on relia card unemployment provided a debit transaction number and the date of the deposit and the amount and said I needed to call relia card and that is everything else they needed to locate the money. I then called reliacard and talked to a customer service representative I explained the situation to him and ask him to look for my funds using the debit transaction number he implied I had to do a missing funds despite I replied No to him and told him Im not doing a dispute so you can can interest off of it, and then I ask him to look up my deposit using the debit transaction number he said he did which was a lie, Then I ask him to get me a supervisor on the phone and he did and she got on the phone and implied I do the dispute also I implied to her no Im not doing the dispute because my funds shouldnt be missing I ask her to look up my deposit with the debt transaction number and the amount that I was provided by unemployment with, which unemployment told me this all relia card would need to locate the deposit and get the deposit back into my account and she implied she could not do that they only thing they tried to get me to do was a despite which im not doing because it will legally give them the right to hold my mom longer so they can gain interest off of it! A dispute in a bank can take up to 10-30 working days they have already had my money for 2 weeks now. I live in a hotel paying day to day I fought for my unemployment for 7 months I need my money to live on and I dont have time for corporate greed to be the deciding factor on why they are not releasing my money theres no missing money there only trying to make more money off of me than they already have! I see they already have lawsuits from the same type of treatment to other consumers You would think that they would stop treating people like this but unfortunately unemployment people are targeted by banks to make financial gain off our struggles I need someone to advocate for me to get relia card to comply with the rules of banking
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MO)

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. following account ( Nordstrom TD bank USA ) is reporting a balance of ( {$490.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$490.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc (CA)

I reviewed my credit report I discovered Affirm Inc, is on my credit report According to 15 U.S.C. 1681b I have never given permission to furnish these accounts to my credit report my right are being violated according to FCRA
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I need to know why my principal balance on the XXXX XXXX  went up by XXXX XXXX  at the end of XXXX, while interest accumulated simultaneously. Interest can only accrue and then get capitalized into principal, this can not happen simultaneously. There were no notices of adjusting journal entries. Nelnet arbitrarily adjusted my principal. Explain how I went from XXXX in my XXXX XXXX  to a XXXX principal balance while still accruing the same amount of interest over the course of the month. Simply stating how the XXXX repayment plans work is doing the absolute bare minimum and this company, and it's employees, should be ashamed of themselves and the predatory things they do to make it hard on honest people in repayment. Telling me my statements only go back to XXXX  is also not acceptable. These loans were taken out long before that and if they have no basis on how it was accounted for prior to, they have no support that it is still in a good state of honest calculations on their part. Like I said, I will audit my entire loan history but this company is stonewalling me and does not want that. They are dishonest and if they can not provide for a full accounting then they have failed their due diligence.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

On XX/XX/year>, I received a notice from XXXX confirming that my federal student loans have been discharged under the Borrower Defense Loan Discharge program. My current loan servicer is Mohela. Initially, I encountered significant difficulties in getting Mohela to respond to, or coordinate with XXXX regarding this loan discharge. However, by the end of XXXX, Mohela finally updated my account status. Currently, there is an overall credit balance of the two remaining loans. 

I have contacted Mohela customer service multiple times to obtain a clear timeline for when these loans will be discharged and the credit balance refunded. However, I continue to receive conflicting information about who is responsible for taking action and when I can expect the refund. In recent calls, Mohela has shifted the responsibility for final loan processing and the balance to the Department of Education, but I am not convinced this is correct. 

I am increasingly concerned that Mohela is not actively working on the loan discharge. Despite being reassured that the late notices I am recieving are not a cause for worry, they persist, and interest continues to accrue on one of the loans. When I inquired about being placed in forbearance, Mohela advised that it wasnt necessary, and to ignore the late notices. The ongoing lack of clear communication raises serious doubts about whether Mohela is managing this discharge correctly.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/year> I received multiple calls from capital one customer service number XXXX. When I answered XXXX XXXX introduced himself on a recorded line from the fraud dept. I had recently had fraud charges to XXXX and got a new debit card so I was open to the call. He was american, friendly, and reassuring. We reviewed my account information and he assured me he would help me set up a new account number to protect me from the multiple attempts on my account to transfer funds to an ip address.to do this I would need to have my funds held in XXXX so they could be deposited in my new account when the process was complete. By using the friends and family option those funds would be available to my new account instantly and not held for any length of time after. I had never used XXXX, XXXX was able to walk me screen by screen through the process and assured me no funds would post. We needed to send enough money to force XXXX  to send me an alert so we would accomplish 2 things with the temporary transaction. The alert, and hold my funds so he could create the new account. I was hesitant, but everything was so spot on and familiar due to my recent calls about fraud on my account. This entire call took about an hour. The transfer was initially set up for XXXX XXXX at XXXX, though when the contact for that account came back as XXXX XXXX, I was told we needed to use a different test account since this one was being access by another agent. We used XXXX XXXX at XXXX. I could hear the agent typing away off and on, all the while assuring me by telling me what was happening in my new account set up. None of this seemed off. XXXX is associated with my bank, I was assured that using it was standard due to the affiliation. After just over an hour the line disconnected. I called capital one back and provided the case number XXXX had given me. There was nothing on my account. I filed a claim at that point for the money I had " pended '' in XXXX.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I received an email on XX/XX/XXXX instructing me to review a letter from MOHELA dated XX/XX/XXXX entitled " Repayment Schedule Change '' ( see XXXX ). This letter indicates that I am being moved to the " Income-Driven Repayment ( IDR ) '' plan and notes more than {$8000.00} dollars of interest capitalization. I did not request to switch plans recently however. Prior to this letter being sent, I was on the SAVE plan. Moving to the SAVE plan from PAYE, my understanding was that interest would not be capitalized. As I was previously on the PAYE plan, I believe I should be exempt from interest capitalization as per XXXX, " [ a ] XXXX of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' The date of my SAVE application is XX/XX/XXXX ( see XXXX ), after this policy took effect. MOHELA eventually placed me on SAVE with no prior interest capitalization, as noted on the former MOHELA website ( see XXXX XXXX XXXX ). Additionally, at this point, I have not requested to leave the SAVE plan while litigation is pending. Second, I noticed upon logging in that my account will be auto-debited despite no payment due as a result of pending SAVE litigation ( see MOHELA | XXXX XXXX  ). I would like MOHELA to ensure that money will not be debited when no payment is due. Additionally, it appears interest is currently being added to my account, when interest should currently be 0 % due to the litigation forbearance ( see XXXX XXXX XXXX ).
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (CA)

I have an account with Us. Bank saving and checking and the bank is withdrawing money from both accounts without my permission they are lowering my amount of many in both accounts to make me deposit more money but they have been withdrawing thousands of dollars with unauthorized transactions for the last couple months.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (FL)

Correspondence was sent to Affirm LLC ( registered agent : XXXX XXXXXXXX ) and they have not responded with the information requested. Dated for XX/XX/year> along with certified mail item XXXX XXXX XXXX XXXX XXXX asking for validation. The second correspondence was dated for XX/XX/year>, certified mail item number : XXXX XXXX XXXX XXXX XXXX. The company did not respond with the requested information.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (PA)

The company violated the truth and lending laws for having a default clause written in two different areas of the mortgage. They have a clause they slipped in that charges 23 % interest on the unpaid principal balance per day until the loan is taken out of default status. 

I wrote in the mortgage I do not understand what I was signing and didnt understand how you needed to read one part of the document to refer to the default interest clause. Since the default interest is so high the only true way to take it out of the default is to roll the interest to the back of the loan stripping away all the equity in 1 month. 

One of Fay Servicing method to putting the loan into default status is by stop paying the insurance dwelling policy. They let the policy lapse and place force placed insurance on the property and hike the monthly payment ridiculously high to where it is unaffordable. They automatically take the premium out of the escrow account and give it to one of their affiliated insurance providers for a kickback.
Consumer complaint received 2024-08-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Selene Holdings LLC (IL)

Details of the Complaint : Account Manager : XXXX XXXX Company : SELENE Finance Account Number : XXXX On XX/XX/year>, I contacted XXXX XXXX, my account manager at SELENE Finance, regarding an overpayment of {$7800.00} that was recorded for property taxes. I provided documentation from the county confirming that the actual taxes were {$3900.00}, and this was the amount paid. I requested a refund for the difference of {$3900.00} and submitted all necessary documentation to support my request.

Since then, I have made over 10 attempts to follow up via email and phone, but I have not received a satisfactory response or resolution to this issue. This delay has caused significant inconvenience and stress.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, in the morning, I personally went to the Chase bank and had an employee wire transfer a little over {$61000.00} from Chase to XXXX XXXX accounts. By the afternoon the transfer showed a hold and did not provide me the reason for the hold, the time frame of the hold, or what procedures I was to take to resolve the hold. 

On XX/XX/XXXX, I personally went back to the Chase bank seeking what the reason for the hold was and what to do. The local employees could not figure out the reason and called their customer service. I was placed on the phone and asked to confirm basic biographical information and my citizenship. Thinking the issue would be resolved soon, I checked the account by XXXX XXXX and the status had not changed. 

I called customer service and they informed me it was a legal hold. They transferred me to another department and they stated it was not a legal hold. They further explained that they were attempting to identify the source of the funds. I clarified it was money from a house sale. 

I further explained that they had on two prior occasions also placed a hold on XXXX transfers for {$590.00} and I had to call and give them the reason for the transfer before they approved it. I am certain that this is being done because I am of XXXX origin. I seriously doubt Chase bank does this with all of their customers. I was placed on hold again and gave up waiting to hear another fake excuse and no answers as to why Chase keeps refusing to transfer my money without s lay and a hold each time.

Please find out the reason and the time frame Chase is holding my money, and why it keeps harassing me as a XXXX man trying to deal with my personal business.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MS)

I filed a dispute with Citi on XXXX XX/XX/year> for {$9500.00}. My case ID is XXXX. The {$9500.00} was paid to an online XXXX XXXX for services never received. Since then Citi has closed the dispute once ( on XXXX XXXX ) saying I was responsible for the charge. I called Citi and reopened the dispute and emailed documentation to Citi on 13 different occasions in 13 different emails and also mailed Citi copies of the documentation showing that services were never received/rendered on XX/XX/XXXX. As of XX/XX/year> my dispute is still open.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I lost my card and called Wells Fargo regarding unauthorized charges on my credit card. The unauthorized charges were {$2200.00}. I have been trying to solve this issue but Wells Fargo kept on denying it and saying that they were authorized, just because I have previously had similar issues before.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** - Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX ( Account # : XXXX ) ** - Reports a 30-day late payment, but all payments were made on time.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage.

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-08-12
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I have a XXXX XXXX XXXX through Macy 's Credit Services. After experiencing several fees, one late payment ( I have a 700+ credit score ) even though payment was made on-time, I decided to close this account. 

I was unable to get anyone on the phone so I reluctantly decided to close the account using their automated number. At the time I did this, approximately 6 weeks ago, I assumed the account was closed. I was then surprised to see another bill sent to me with a {$2.00} balance. 

I called today ( XX/XX/year> ) and tried again to get an agent on the phone. After approximately 20 minutes between two phone calls it became apparent that speaking to a person was not an option. 

I need this account closed and any derogatory information that is reported to be removed from my credit. 

I now understand why store cards offer discounts on purchases. They get the discount back through bogus fees. XXXX XXXX should be held liable for who they do business with. This is a Macy 's issue but XXXX XXXX enables Macy 's to charge deceptive fees to the public.