davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I am eligible for forgiveness under the " Public Service Loan Forgiveness '' program, having worked for a variety of XXXX ( c ) ( XXXX ) non-profits since XXXX. However, even though I have made more than the required XXXX payments ( XXXX payments as of XX/XX/XXXX ), MOHELA continues to send me a bill every month. 

Upon further investigation, I have found that MOHELA lacks proper records for XXXX of my monthly payments ( XXXX ; XXXX inclusive ). I have my checking account records proving that my loan payments were made during these periods. And my employment has been certified as qualifying for PLSF for these periods. 

As an example, I have attached a sample of a checking account statement showing my payment that MOHELA has failed to register in its records. 

I have tried, on multiple occasions, to resolve this with MOHELA, but can not even get a representative on the phone. MOHELA 's delay is placing an unnecessary burden on my family 's finances.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CADENCE BANK (FL)

Cadence Bank have on multiple occasions blocked my card, or stopped my autopays which has caused me significant issues and financial loss. This is on my checking account and also my business account, 1. Business account - every month my XXXX ads payments are blocked and I have to call up each time to get them to reset my account. They can not tell me why they are doing this. I complained and I was told someone was going to call me back and they never have. 
2. My checking account - cadence bank have stopped my auto pay for XXXX  and therefore i am having issues with my Internet provider. This is unacceptable and after calling them they will not give me a reason why they are freezing my account and stopping me from spending my money. I was told a supervisor would call me back and they never did. I called again and after I spoke to a supervisor they were very dismissive of my complaint, did not seem to care at all and would not reimburse me for the time spent on this matter and the late fees I am now being charged. 
3 - My checking account - they block a payment to XXXX XXXX  and therefore I lost out on over {$200.00} worth of service with XXXX XXXX. 

Cadence bank are incredibly awful with their customer service since merging with another bank last year and I am considering leaving them to another bank. Each time I have called I spoke to the same employee first on the phone regarding issue 1 and 2. They were surprised to hear from me again as it should have been handled already. 
The last phone call I had, I was incredibly disappointed and dissatisfied with the way the call handler was with me. I told her how awful I felt towards the bank and what disgusting behaviour and customer service I was being given by the bank. In the end she cut me off the phone after I asked her to escalate the complaint to which she told me she could not. Earlier in the call she said she could. How can a bank simply stop a payment and not give me a reason. This is unacceptable banking practice and this bank should be looked into by regulators as I can see from other reviews online that people are also having severe issues.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I believe this company have hidden charges.

I paid off my loan of {$4900.00}.

The company tried to withdraw the exact amount again.

Theyre trying to say I did it, why would I pay again when I was doing a payoff.

I logged into my account to find a {$25.00} balance. I called to ask why. They stated because when they tried to pull the funds it was there. No it wasnt there because they already had it.. Tomorrow a letter will be in my mailbox for attempt to collect debt. Im confused. 
This company need to be investigated and fast.
Consumer complaint received 2024-08-09
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/year> my credit card was used online for XXXX XXXX tickets for the total of {$1200.00}. I did not purchase these tickets. The individual who did purchase these tickets printed the tickets at home. Fifth third and XXXX XXXX have since told me these tickets were used on the same day of purchase, in Texas. I live in Michigan. I do not know who the person is. I filed a dispute XX/XX/XXXX, fifth third refunded the charges, and sent me a new card. The same purchase was then charged again on XX/XX/XXXX. Fifth third said XXXX XXXX denied their claim because the individual had all of my information, making it a valid purchase. I told them the person obviously stole all my information the same place they stole my credit card number online. Fifth third denied my first dispute. I filed another dispute on XX/XX/XXXX only to have that one denied also because I didnt submit any additional information or documents. I told fifth third I dont have anything to submit. I didnt purchase the tickets. I asked a fifth third fraud specialist on the phone if they can check my bank statements and see I was nowhere near a XXXX XXXX on the date of purchase/use. I was using my other fifth cards in Michigan and Indiana only. The specialist advised I email the dispute team with that question. I did, on XX/XX/XXXX. I just received another letter in the mail, dated XX/XX/XXXX that my dispute had been denied again and this is a final decision unless I have new information. I dont know what else to submit. I have not received ANY emails or phone calls from fifth third, just the TWO denial letters. Ive called multiple times. One of the times I called I was only told about the second denial and told to send the emails.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Due to ongoing problems with my personal information being compromised or being notified of my personal information and credit information be exposed by several companies, such as on XX/XX/XXXX I was informed via US mail by the Department of Justice that a company they use, XXXX XXXX XXXX XXXX being involved in a data breach, my personal information and my law enforcement history was exposed and compromised. On XX/XX/XXXX I was notified via US mail my XXXX that my personal and financial information was exposed in a database breach on two occasions, once on XX/XX/XXXX and again on XX/XX/XXXX. Ive also have had my personal information and identification exposed and compromised in another database breach with XXXX XXXX  in XXXX and XXXX. With all this going on, with recently two collection agencies appearing on my credit report that are not mine, XXXX, XXXX, and the other Bureaus financial along with other agents of both of these companies trying to collect on an alleged debit and appearing on my credit report under collections is becoming overwhelming. Ive been disputing these tow collection agencies with the XXXX credit reporting agencies who after there investigation, these collection agencies were removed my credit report. ( See attached pics of investigation ). I recently asked for a copy of my experian credit report. I received this full report via electronic email. While going over this report, I now noticed a entity, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX appearing on my experian credit report that was run as a soft inquiry 5 times in one day on XX/XX/XXXX. This entity has no reasonable basis for running a soft inquiry of my credit report, 5 times in one day but seems is using a different identifier in doing so. I did call a phone number associated with XXXX of these entities XXXX and the answering service seems to be some kind of money loaning business. I have never ask for a loan, money loan or any sort of credit for over two years. Ive never did business with this entity or know who they are. Why is this entity even running my information/ requesting such in a soft inquiry from my credit report without my knowledge or permission. Please investigate this as Im already at risk with recent issues and just resolving them, collections being removed from my credit report. XXXX trying to avoid another possible identity crisis. Ive already filed a identity theft report with the FTC this year and have XXXX XXXX  alerts XXXX all three of my credit reports to safeguard my identity. Being retired in law enforcement both state and federal level, my identity and safety are paramount as well as my family, especially in these difficult times
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

This complaint is against LexisNexis XXXX XXXX, which provides information about consumers ' driving history to auto-insurance companies. My auto policy with AutoOwners recently came up for renewal, and my rates had increased substantially. When I asked why, I was told it was due to inflation. I made inquiries with other auto insurance companies and got quotes which were mostly in line with my former company. I then tried on the XXXX website, and found a quote which was {$300.00} lower than AutoOwners. However, when I pressed the " submit '' button, the quote increased by over {$300.00}. I called the company to find out why, and was told by a XXXX supervisor that a company called LexisNexis had reported an accident on XXXX as being my fault, when it was, in fact, a hit-and-run which I personally reported to XXXX XXXX, and to which there were several witnesses. I asked my former insurance company if they showed it as an at-fault accident, and they said no, and sent me proof that they had recorded it as 0 % responsibility on my part. I then called XXXX back, and was given the original quote of {$300.00} less than my renewal rate with AutoOwners. 

I made several attempts to call LexisNexis, but was unable to get a live agent online. I was able to request a report, but it will not be delivered for a month. After filing the original complaint with an agent at CFPB, I realized that the agent completely mischaracterized my complaint and left out essential information. I did receive a response for LexisNexis stating that they did not have sufficient information to identify me, and therefor they could not investigate my complaint. Subsequently, I made at least 6 attempts to contact the company at the phone number they had provided, but each time I called I was transferred to a call center in the XXXX, and the agents refused to transfer my call to a US agent or to notify a supervisor. I have no intention of divulging my Social Security number to an overseas call center agent on an unsecured phone line. 

Tonight I tried to report the poor job the original CFPB agent had done in detailing my complaint, but I was transferred to 2 supervisors who refused to discuss it with me. The first was named XXXX, and she demanded that I verify myself a second time, which is a mistaken protocol for government agents. The second was named XXXX, and he refused to correct the existing complaint and would only withdraw it. He refused to take my new complaint. 

I now insist that CFPB review this complaint, and particularly the performance of the CFPB employees involved. I also request that CFPB notify LexisNexis that I will not provide my SS # to an unsecured overseas call center without assurances that I am safe in doing so, something they will not provide.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

Pennymac is reporting a late on XX/XX/24 that I ask they please remove. I was unfortunately affected by the wildfires in Hawaii and lost everything. I am a XXXX XXXX XXXX  and my source of income was affected as I had to rebuild everything. My job that I have also had to shut down for months. I called Pennymac to advise them of the situation and I was met by a very helpful rep who helped put my account in deferment. However, it was only a 3 month deferment and I still needed help as things were not quite in order at that time. I called again to apply for additional forbearance however, it looks like it might have overlapped some dates and it caused the loan to go past due. I never ever meant to be late, I thought I had done everything as I was supposed to and did not anticipate being affected for this long. I am still rebuilding things and hoping Pennymac will take this into consideration.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VT)

I had multiple balance transfers with Discover all with a 0 % promotional interest rate, the first XXXX with the promotional rate expiring XX/XX/year>. I had been making payments for a while and they all applied to the oldest balance transfer, as I would expect. Then I had a newer balance transfer, and my payments after that were applied to the newest balance transfer instead of the oldest. I had made a large enough payment to pay off the oldest balance transfer so that I wouldn't be charged interest on it when the promotional period ended. However, since it was charged to the wrong balance, I will now be charged interest even though I paid enough to cover the promotional balance. When I contacted discover looking for assistance, I got the boilerplate explanation " We generally apply your minimum payment to the balance with the lowest XXXX. Anything paid over the minimum typically applies to balances with the higher XXXX. ". So all balance transfers were the same rate, and I would expect my payments to pay off the older balances first. I contacted Discover multiple times and didn't get any actual assistance, just the same general application hierarchy, with no offer to fix the problem.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MN)

The following accounts currently listed on my Innovis consumer report Case ID : XXXX is fraudulent, not my accounts and is the result of identity theft : XXXX XXXX XXXX Account : XXXX and XXXX XXXX, Account : XXXX, the Requests Only You Can See isnt my inquiries.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

WFB Acct XXXX XXXX XXXX XXXX Payoff XXXX balance WELLS FARGO BANK N.A. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Needs to update the credit agency
Consumer complaint received 2024-10-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

I am writing to file a complaint against Wells Fargo for unauthorized account upgrades and excessive fees. 

In XXXX XXXX  Wells Fargo upgraded my savings account to a " Premium '' account without my knowledge or consent. As a result, the bank has charged me a XXXX XXXX monthly service fee for 13 months, totaling {$130.00}. I only recently discovered this issue and immediately went to my local Wells Fargo branch to have my savings account reverted to its original status. 

I raised a complaint with the bank, and they refunded only 2 months ' fees ( {$20.00} ). However, they refused to refund the remaining {$110.00}, which I believe is unfair because I never authorized the upgrade to a Premium account in the first place.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

It saddens me deeply to find out my bank of many years ( Wells Fargo ), is so greedy that they will not correct a wrong even though they know they broken the law! Its even worse to think my bank is as corrupt if not worse than the moving companies that did the following! 
I moved to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and had a very bad experience with XXXX moving companies intimidating and extorting money ( {$2800.00} ) from me. Now they are trying to extort even more from me ( {$2800.00} ) plus holding my belongings ransom for the past XXXX months. 
I went to the Wells Fargo branch ( XXXX XXXX ) on XX/XX/XXXX requesting a stop payment on a check for {$2800.00}. 
With that being said a Wells Fargo employee created the stop payment on the check using XXXX different checking account # s and screwed up the stop payment. I thought things couldnt get any worse than that until I spoke with the branch manager XXXX XXXX XXXX and found out Wells Fargo also created a second checking account under my name without my authorization in Year XXXX. I found it odd that is also the time frame the banking industry got in a lot of trouble with some of their employees creating accounts to make it look like they were creating more business, which Im pretty sure is called fraud. 
During the past XXXX months I have requested a return of my money XXXX times, each time getting my request turned down and then seeing XXXX responses from your internal team telling me the following. 
The representative I spoke with on XX/XX/XXXX stated they have documents that show I signed for a second checking account not just a request for checks. How many people do you know open a second checking account just to order new checks? Wells Fargo is that desperate for money that they will actually lie about what their employees do rather than correct their issue and pay a mistake of {$2800.00} 1 We reprimanded the employees involved to do better at their jobs but I had to call in to find out you werent going to return my money.

2 We need more time! A week later I receive a letter, dispute ID # XXXX that there was a potentially unauthorized Wells Fargo account opened for the second checking account. Now a month later I have to call in again to find out thats all your team is going to do to rectify my loss in money. 
I will be following up with whom ever over sees the banking industry to file a complaint against Wells Fargo, for fraud and or any other topics that could befall stealing my money from me due to this issue. 
I will also be moving my money to another bank and inform them of the illegal practices performed at Wells Fargo.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (VA)

I opened a checking account with Valley bank on XX/XX/year>. After over a month of the account being open they sent me an email saying that they were going to close the account due to my XXXX report and to call the XXXX company for information. I called into Valley and asked for more info and just got told " XXXX out to chexsystems for more info. '' XXXX is not going to be able to tell me anything about Valley Bank 's business decisions. I was not given any information or communicated with as a customer. As of right now my account is still open and I am still a customer until my account is closed next Friday XX/XX/year>. I would understand if I was never allowed to open it in the first place but I was notified over a month in. There was also a sign-up bonus of {$400.00} associated with this account if {$7500.00} was direct deposited within 90 days of opening. These were the terms, " The one-time {$400.00} reward will be credited into your account within 30 days after : ( 1 ) the qualifying direct deposit requirement has been satisfied and ( 2 ) the account has been opened for a minimum of XXXX  days. Reward may be reportable as taxable income. '' I have met that direct deposit threshold. It honestly feels as though they are closing my account in bad faith before the XXXX period so they can avoid paying this bonus. 

Link to the account is below XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC ()

My wife and I sold a XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX on the XXXX of XXXX. Nissan Motor Acceptance Company received and deposited a check in the amount of {$46000.00} on XX/XX/XXXX. We spoke with XXXX ID number XXXX at NMAC on XX/XX/XXXX at around XXXX to report excessive robo-call warnings of my account being delinquent. He stated they would investigate to determine where the money had been applied but this process would take XXXX days for resolution. We requested notes be made on the account verifying NMAC had received and deposited the payoff check. We further stated this was an internal issue with NMAC misapplying funds. 
I am currently forward XXXX, in XXXX, XXXX. Today I was informed that an account on my credit report had been flagged for being 30 days delinquent, which jeopardizes my XXXX XXXX XXXX XXXX. I immediately called NMAC to report this issue. After being passed around to 6 CSRs, and being on the phone for 1 hour and 45min the call was disconnected, with no resolution and no subsequent call back. The last thing I was told was that it would take 30 days for NMAC to investigate my complaint, even though I informed of the significant adverse impact it might have on my career status.