davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (CA)

On or around XX/XX/year> it came to my attention that I am a victim of Identity Fraud. During this time, I went ahead and contacted all companies involved to which each responded the same. I was advised to complete a FTC Report and file my dispute with the credit reporting agencies ( XXXX, XXXX, Experian ) so they may block and remove fraudulently opened accounts. Which I did. I recently received notification from Experian that my disputed accounts were not removed from my credit file with no valid explanation.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo XXXX, Ga branch manager provided me with a snapshot of deposits and copies of 2 checks that they stated checks were deposited into my account by estranged husband that were not deposited into my account. The snapshot provided does not reflect online statements and printed statements and changed 3 times in a matter of 4 hours. I have 6 audio recording of Wells Fargo and XXXX XXXX XXXX  representees confirming one check was a counter check my estranged husband wrote to himself and withdrew the money and later wrote my name to make it appear it was written to me and all reps confirmed it was written to himself. XXXX XXXX, Ohio Branch manager confirmed the money never left his account despite Wells Fargo providing a copy of check The 2nd check both banks customer service reps can be heard on audio confirming the cashier 's check was not a XXXX XXXX XXXX  check and was a fraudulent check made to appear to be written to me. Please see audios. and copies of checks. 2 congress members have been sent audios and copies of checks. 2 state attorney offices are in possession of all audios and copies of checks. A law office in Ohio is following up with filing a civil suit. 

Wells Fargo provided me with a copy of an IRS economic rebate check that my husband received and I did not. The IRS confirmed on audio and by tax transcript that I did not receive the check. The copy of the check provided to me was a bogus/altered check despite Wells Fargo supplying me with an altered statement and later sending me a letter confirming the transaction could not be found. Another attempt to manipulate my statements. XXXX XXXX office has been contacted. 

Wells Fargo supplied a copy of a withdrawal slip that was altered and was for the previous year 's withdrawal. An employee altered the dates on the withdrawal slip. 

These audios are bank reps confirming the fraud. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. 
I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. 
So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned.
Consumer complaint received 2023-12-06
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC (CA)

Hi. I needed credit card relief so I reached out to XXXX XXXX about helping me. I had never been late with payments but was struggling. They said they would be able to help by reducing my balances. I agreed even though their explanations aren't always clear. I began the program with them in XX/XX/XXXX. I'm not clear about my full beginning balance or payment because when I try to read my original contracts in my e mails it says those documents are expired but I do know my payments were about {$410.00} a month. Afew months in and they said i was no longer working with XXXX XXXX but with Americor, which was not totally ok with me i was skeptical but i believed what they were saying. Now I log in to my portal to check my statement and it says I began their program XX/XX/XXXX with a {$9400.00} balance. My payments are now {$390.00} and I now have a balance of {$7500.00}. I believe my account was refinanced but i was never told that's what was happening. Iam besides myself reading that I've been paying about {$400.00} for close to 19 months and my debt has gone down {$1900.00}. I have been paying more on interests than my principal.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

Navient contacted me for the XXXX time to tell me I owe fees. I am poor and XXXX. Navient is on my credit although never notified me of anything. Now for the first time Navient is fraudulently taking advantage of people with XXXX to charge fees. I notified CFPB of Navient on credit but was never notified of fees before. This is FRAUD AND THEY SHOULD BE HELD LIABLE.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

My loans were transferred to MOHELA in XXXX, and since then there have been myriad concerns with how they have handled the PSLF process. On XX/XX/XXXX, I submitted an XXXX for an employer from late XXXX through early XXXX. That is still being processed ( it was labeled a duplicate though I had resubmitted this because there was an error on the original form ) and those have yet to be certified. On or about XX/XX/XXXX, I had a phone conversation with a MOHELA agent about those same payments, and was told that they would qualify and that she was going to adjust things on the backend to make sure that they counted. That has yet to happen, and those payments would have put me significantly over the 120 required payments. 

In any event, I had submitted an ECF from my current employer on XX/XX/XXXX of this year, and those payments would have allowed me to reach 120 payments even without the aforementioned payments that have yet to be counted. I also indicated that I wanted a forbearance while these were processed. Despite this, my account was debited in early XXXX, and despite additional written requests ( and a phone request on XX/XX/XXXX ), my account was once again debited this month.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America wanted to changed the terms of my credit card that I have had for over 20 years. 

They say I have to have a bank of America checking account to qualify for the premium points. I pointed out that my Merril Lynch checking account literally says its a BANK of AMERICA Account. 

They claimed it doesn't count.
Consumer complaint received 2023-12-06
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)

XX/XX/XXXX An {$8000.00} credit card charge was flagged by me as I believed it to be fraudulent as the vendor name was not recognizable and there was no phone number listed beside the charge. 
The vendor subsequently contacted me and we agreed it was a legitimate charge. 
I called Wells Fargo to let them know but they could not process the payment to the vendor in a timely fashion so I instructed them to cancel the transaction as the vendor needed to be paid promptly. 
I paid the vendor with other funds XXXX XXXX XXXX XXXX XXXX by wire. 
Weeks later on XX/XX/XXXX the same {$8000.00} charge appeared on my statement. I called and apparently Wells Fargo had 'investigated ' the transaction and paid it again in error. 
I have explained this to many Wells Fargo employees, filed multiple claims and eventually on XXXX an Escalations Representative, XXXX XXXX understood the situation and told me this would be resolved properly. 
That did not happen so I had to open another claim which was denied on XXXX 
The Wells Fargo claim number is XXXX. 
The vendor who Wells paid a second time, is not contactable now.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I applied for a SAVE IDR Plan on XX/XX/XXXX with XXXX. I was then directed to XXXX student loan servicing where my payments were supposed to reflect the $ XXXX. I added a PSLF certification on XX/XX/XXXX and then all my loans were moved from XXXX to MOHELA. It took them a few weeks to implement this change and then I logged on to see $ XXXX reflected until I received information I have a payment due on XX/XX/XXXX of {$500.00}. When I access their website my next payment date is not present, but when I log onto XXXX it says I am due on XX/XX/XXXX. I have not received a letter finalizing anything for an amount due this month? When I go into my loan details in MOHELA it shows XXXX different loans showing a " current due '' totaling {$500.00}. This is simply outrageous. Like how should I pay that every month?? I put in another IDR request to MOHELA and they still have not adjusted their error. I put in another direct loan app on their website today XX/XX/XXXX. They have defaulted XXXX of my loans that I can not pay. I am not paying MOHELA a single XXXX till my payments are resolved properly. I have all the proof on my XXXX and have uploaded the original document of my approved SAVE plan online. There is no reason anything should be changing with a PSLF cert. Ridiculous nor should I be waiting for centuries on a resolution that should have never happened when they switched to MOHELA. LOAN SHOULD REMAIN THE SAME ON SAVE PLAN. Please check my XXXX.
Consumer complaint received 2023-02-19
Product: Credit card or prepaid 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: DISCOVER BANK (LA)

DISCOVER continues to inaccurately report a dispute about an alleged " late payment '' on a {$200.00} secured credit card. DISCOVER responded to my attempt to correct the record by sending a copy of the statement. I asked for validation of the accounting but received a template response. 

This account ( & all of my credit accounts ) are PAID AS AGREED. 

Please help my correct this issue as it is the only negative mark on my credit report & I was not given any way to find remedy. 

To date ( XXXX/XXXX/23 ) I continue to have issues with the DISCOVER app as my login information returns server errors & the autopay STILL does not work, after 3 calls to set it up.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I was signed up for automatic payment - I submitted this paperwork well in advance of loan payment restart in XXXX. They apparently did not process my automatic payment ( though I received documentation that my auto payment should have started by XX/XX/10 ) so I was told it was late. I paid the loan the day I received notification ( but not before XX/XX/10 because I was told automatic payments should start ). My automatic payment on XX/XX/10 came out with no issues. I have now logged into my loan account to make sure that there would be no issues with my XXXX payment to see that I have been put into a forbearance. I did not request a forbearance. I did not get any notification my loan would be put into a forbearance. I have received no communication from Mohela about this whatsoever and do not know why this happened. I now have 2 payments ( XXXX and XXXX ) that will not be counting towards my PSLF. This is ABSOLUTELY RIDICULOUS.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Fidelity National Financial, Inc (IL)

THIS IS NOT A DUPLICATE COMPLAINT. I HAVE RECEIVED NO ANSWERS OR ASSISTANCE FROM THIS COMPANY WHO IS ATTEMPTING TO UNLAWFULLY FORECLOSE ON MY PRIVATE LAND AND SHELTER AND CFPB IS THE PURPORTED AUTHORITY TO REPORT THIS TO, YET THIS BUREAU HAS FAILED TO DO ANYTHING ABOUT THE PREDATORY LENDING, VIOLATIONS OF TILA, RESPA, HOEPA, EQUITY STRIPPING, LOAN FLIPPING, FAILURE TO RESCIND THAT THESE SERVICERS AND TITLE COMPANIES, APPRAISERS, ROBO SIGNERS, NOTARIES, BROKERS AND THIRD PARTY COLLABORATORS ARE ENGAGING IN. THIS IS A CRIMINAL RACKET. MY HOMES EQUITY HAS BEEN STRIPPED, I HAVE INVESTED OVER $ XXXX IN LAND, MY PRIOR HOME SALE PROCEEDS {$110000.00} AND OVER {$600000.00} IN MONTHLY PAYMENTS FOR A $ XXXX CONSTRUCTION LOAN THAT WAS IN XXXX. I BUILT MY OWN HOME WITH MY OWN MONEY AND SAVINGS. THESE PREDATORY LENDERS ARE FILING FRAUDULENT DOCUMENTS IN THE COUNTY RECORDS WITHOUT PERMISSION OR CONSENT, THEY ARE HAVING TITLE COMPANY/WHO POSE ALSO AS FORECLOSURE MILL LAW FIRMS TO ROBO SIGN AND FALSIFY DOCUMENTS TO STEAL PEOPLES HOMES. WHAT ELSE DO YOU NEED TO GET INVOLVED WITH THESE ILLEGAL TORT ACTIONS AGAINST THE AMERICAN PEOPLE. OR IS THIS JUST ANOTHER FECKLESS GOVERNMENT SUBSIDIZED " CONSUMER RIGHTS '' ADVOCACY GROUP THAT PUTS OUT THE FRONT OF " ASSISTING PEOPLE '' BUT INSTEAD ONLY RUNS COVER FOR THE CRIMINAL VIOLATIONS OF SUBSTANTIVE AND CONSTITUTIONAL RIGHTS OF HARDWORKING, LAWFUL, TAX PAYING AMERICAN PEOPLE. THERE HAS BEEN BILLIONS OF DOLLARS PAID TO THE GOVERNMENT REGARDING VIOLATIONS OF XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND ON AND ON, AND YET BECAUSE THESE CRIMINALS HAVE UNLAWFULLY E-RECORDED COUNTERFEIT ENCUMBRANCES ON MY PRIVATE SHELTER AND LAND THEY IS ABSOLUTELY NO ASSISTANCE OR INVOLVEMENT WITH ANY REGULATING AUTHORITY, OR AGENCY, INCLUDING THE CFPB? THE ATTORNEY GENERAL, THE COUNTY RECORDER, THE OCC, THE FTC, NO ONE? JUST A FULL ON CRIMINAL RACKET AND NOT ONE GOVERNMENTAL OVERSIGHT AGENCY IS GOING TO DO A DAMN THING ABOUT IT. THIS IS NOT A DUPLICATE. NOW THE ENTITY WORKING WITH THE TITLE COMPANY/LAW FIRM TO UNJUSTLY ENRICH THEMSELVES OF MY PRIVATELY BUILT HOME AFTER OVER TWO DECADES OF OWNERSHIP. THE RULES THEY ARE SUPPOSED TO ABIDE BY IS FROM THIS AGENCY??? YET THE ONLY THING A FORMAL COMPLAINT YEILDS IS A RESPONSE THAT THE COMPANY " ALREADY LOOKED INTO IT AND DIDN'T SEE ALL THE CLEAR FRAUD, FEDERAL VIOLATIONS AND DISREGARDED LAWFUL TILA RESCISSION, THEY CAN JUST IGNORE IT AND RESPOND " NOTHING TO SEE HERE '' AND CFPB BACKS THEM??? ALLOWS THAT OVERT VIOLATION OF LAW AND CLEAR FRAUD, AND THEN HELPS THEM BY CLOSING WHAT THEY CLAIM IS DUPLICATE COMPLAINTS? UNREAL. I KNEW IT WAS A WASTE OF TIME TO ATTEMPT TO FIND ANY JUSTICE OR HONESTY THROUGH THESE AVENUES. ABSOLUTELY A DISAPPOINTMENT AS I AM HANDING ANYONE THAT CARES ALL THE PROOF, ALL THE FRAUD, CLEAR AS DAY, PROOF BUT NOW I HAVE TO GO LITIGATE THIS TRASH MYSELF. UNBELIEVABLE.
Consumer complaint received 2024-04-19
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. (NJ)

Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

This complaint is against Hyundai Motor Finance. On XX/XX/, the loan for my car was paid in full. Statement as well as account history indicates that. But till date a title has not been sent to me. I have now moved to a different state and unable to register the car in this new state as I am not able to show proof of ownership.
Consumer complaint received 2023-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (VA)

I was seen at XXXX XXXX  XXXX to receive stitches in my hand. I provided my insurance information to the XXXX. I received a co-pay bill from the hospital for {$170.00}, which i paid. Then received a bill from the doctors office later on. XXXX XXXX XXXX XXXX XXXX, who said it showed that I was self pay. I informed them that this is incorrect, and provided them with my insurance information. I was assured it was taken care of. I then received a collection bill from RMP Services LLC. I reached out to RMB Services and relayed the same information with my insurance information, and was assured that they would settle the debt with XXXX XXXX XXXX XXXX. After financing a vehicle, I noticed that the debt had gone to my credit report. I contacted the credit bureaus today and filed disputes, as well as again contacting RMP Services and speaking to XXXX. I gave him my health insurance information, and he assured me that they would go through XXXX XXXX XXXX XXXX to address the insured debt. At this point, I've contacted both agencies numerous times via phone, and received no resolution. I now have a collection reported to my credit that was handled before the debt ever went to collections and no one seems to have any information to assist. Honestly unsure how to proceed from here
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OR)

This is not a duplicate complaint. My previous comment complaint was closed but the company did not address my concern. This is a repeated issue with them where they seem to misunderstand the question and provide a response that isn't what I am asking about or needing them to fix.. they have done this repeatedly to me via their online portal and now here and at this point it seems like a tactic to not kick the can down the road and not resolve the issue.

My issue is that the actual discharge of my student loans under PSLF is extremely late. My XXXX payment period was XXXX XXXX XXXX my last ECF was sent in XXXX XXXX, my counts update on Mohela 's site in XXXX XXXX, and my loans STILL have not been discharged. Mohela 's said they have sent the stuff at least twice to Federal Student Aid. Can Mohela please address whatever the hold up is and discharge my loans and provide a timeline for that? This is impacting my financially in a variety of ways. 

To be very clear my question is NOT how many payments I have certified, whether I qualify for forgiveness, or whether they have sent that info on.