davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela has been utterly incompetent and has consistently failed to service my account and loans to my monetary detriment, including failing to process my IDR plan request, which was incorrectly denied by Mohela over XXXX  months ago and still has not been fixed because of multiple Mohela errors. Specifically, I timely applied on XX/XX/XXXXXXXX  for the new SAVE plan via the REPAYE selection on the IDR application. I correctly submitted all necessary information, and Mohela 's website showed that I was eligible for the SAVE plan and what my estimated monthly payment would be. Despite that, Mohela denied my SAVE IDR request on XX/XX/XXXXXXXX  and said the reason for the denial was because : " Based on your Adjusted Gross Income, family size and outstanding eligible federal student loan debt, you do not qualify for the repayment plan you requested. '' This was outright incorrect. I promptly called Mohela and requested they fix this. The Mohela representative said maybe they denied it because I did not submit complete information, which was purely his speculation even though my application was complete. I pointed out to him that his speculative reason was not the reason Mohela stated in the denial. He said he would resubmit an IDR SAVE request on my behalf and that it would be fixed. Months passed and nothing. Instead of being fixed, Mohela continued to make errors -- so many I can not briefly state them here. Over the course of the next few months until the present, I called Mohela a handful of times. Each time, they would tell me someone made a mistake and put an unresolved hold on my account and payment request. Each person told me my issue would be " elevated '' and fixed within XXXX business days. Then, after each call, weeks would pass and nothing. After last calling end of XX/XX/XXXXXXXX  ( over XXXX weeks ago ), I have concluded Mohela is utterly incapable of processing my payment plan request despite how patently easy it should be for them. They incorrectly denied it over XXXX months ago and thousands of dollars ( approximately {$3000.00} ) in interest has accrued on my account since then because I have not been able to make payments on a plan. They are costing me money and treating my issue like I just have to wait for them to get it together, which is unacceptable. I properly submitted my request XXXX  months ago and they should have correctly processed it back then. My remedy should not be waiting perpetually for them to correct their mistakes all the while I am financially hurt by their countless mistakes.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (PA)

I consolidated my loan in summer of XXXX as I was told I needed to do this to get the best repayment plan. I then contacted Mohela in XXXX to apply for SAVE program. I was told that my loans should not have been consolidated and they no longer qualify for SAVE program. I requested Mohela to return my loans to their original status ( they gave me incorrect info in the summer ). As of XX/XX/XXXX, Mohela reverted my my loans to their original status but they did not remove the consolidated loans. My loan balance has increased {$100000.00}. This increase in my balance has been since XXXX. When I call Mohela, customer service tells me that this issue is too complex and they need to send it to the supervisor. I then get a message that the supervisor will call me back. As of XX/XX/XXXX, I have not been able to correct my account.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (SC)

Third Party Loan check was issued on my behalf from XXXX. The check did not have correct complete information regarding my XXXX XXXX  to Wells Fargo, XXXX XXXX. Check was cashed and deposited into Wells Fargo general vehicle loan account. Wells Fargo will not return the funds to XXXX or work to apply it to the correct Wells Fargo XXXX  XXXX. I have pleaded with XXXX and they state there is nothing they can do since the check was cashed by Wells Fargo. I am attaching a copy of the cashed check and the vehicle purchase agreement.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

This complaint is for EXPERIAN. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK CHECKING ACCOUNT BALANCE, Ending Amount {$1800.00} XXXXPresent CHASE BANK processed and released my funds making funds available in my account and then took the funds back and blocked my account not allowing me to withdraw the amount of {$1800.00} that was available in my account. 
I Called to request a release of funds Unsuccessful attempts to claim ending balance From CHASE BANK
Consumer complaint received 2023-11-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (CA)

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : # collection bureau of a has violated my rights. 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I don't recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024 Bank of America illegally went into my personal account and ceased {$6200.00} to pay off a business credit card debt. I did not give them authorization. They illegally utilized my XXXX as a means to access my personal account despite my business account having its own XXXX. FYI I never not once gave them my XXXX to open a line a credit for my business. They was illegal obtained. They did not advise me via written or verbal notice that this was going to occur. I have called them numerous times explaining my situation with business and advised them I would continue to pay as much as I possibly could. They refused to negotiate with me. They closed my account without prior verbal or written notification. They lied to me and said my file states do not contact. This is a complete lie. Why would I not want contact with a bank I do business with and have a personal account with for over XXXX years. This security and financial fraud on their behalf and I am seeking legal action.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

In early XX/XX/XXXX, an associated told me I could submit a formal letter with instructions about how to handle payments over the minimum payment. The intent was for extra payments to apply directly to principal on my loan balances. I mailed that letter to Mohela around XXXX and it was approved on XX/XX/XXXX. I submitted a large payment to one specific loan using the app on XX/XX/XXXX. That payment was applied first to the interest on my loan, contradicting the instructions in my letter. I called around XX/XX/XXXX and an associate assured me that the letter was still in processing, and once that was complete, the adjustment would be made to move that payment to principal on the specific loan I paid. When I checked my account a few days later on XX/XX/XXXX, an adjustment had been made to move my payment from the specific loan I had paid and had been spread across every loan that I have with Mohela, covering almost entirely interest. Approximately 90 percent of this large payment is now applied to interest across six loans, rather than only principal on the one specific loan I paid. Moreover, the very small portion of my payment that went to principal was moved to a lower-interest loan. I called customer service and was told that written instructions for how to handle payments are not applicable and Mohela will always put payments toward interest first. I pointed out that their website specifically states that written instructions apply first, and the default structure of interest-first payments only applies in absence of written instructions. I also pointed out that three other associates had given me different information. Furthermore, there is nothing to suggest that payments can be moved from the loan that was specifically paid by the borrower to other loans under Mohela 's management and distributed however they please. I believe this is in violation of my rights as a borrower in repayment and that this is dangerous and corrupt practice. I am deeply concerned about my ability to manage my own account or to successfully work with this company to repay my debt.
Consumer complaint received 2024-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (TX)

I have had several offiers for the home and Midfirst/Midland Mortgage has denied all of them. The offers are for more than what is owed on the home.

I recently found out that Midfirst bank has went to court on this house and I was NEVER informed. I have never been served and Midfirst Bank/Midland Mortgage knows my address they send me mail all the time..They knew the home was vacant. 
This is just XXXX discrimination. I am a single XXXX female that has been trying to sell this house for over a year and I have been denied each offer for XXXX reason or another. Midland Mortgage has went to court behind this house and I was NEVER aware of it. And I have been in constant contact with this bank.

Midfirst Bank/ Midland Mortgage think I am a XXXX XXXX person. This XXXX person is going to see about getting a nice civil attorney and also see about making this a news worthy and social media vival and see of other XXXX people are experiencing the same issue I am having with Midland/MidFirst. Let 's see about a class action lawsuit..

I have filed many complaints against this bank. I have it in writing. And I also have the fact they midfirst bank knew my address at the time you filed a case in court and never notified me of the case.
Consumer complaint received 2023-09-26
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. (GA)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-26
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. (AZ)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc. (VA)

I think i was unlawfully charges interest rates and charge offs with Omni financial. 

The charged me XXXX, XXXX, XXXX prepaid finance charge that and it seems confusing reading about my loan and the repayment I was violated under the MLA and SCRA due to me being the XXXX  and the unlawfully charging me and pulling from my account
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I recently requested a credit report from Experian, and the information on the report really shocked me, it mixed up my report with another personal. We have totally different names, birth dates, and SSN numbers ( the other person had one, but I do not have one ).

I contacted Experian, they said there is NOWAY to do the adjustment since I do not have an SSN, while this is not my fault to mix up the information on my report and they mixed up it and let me have this BAD credit history with me for the whole life? It really affects my daily life when checking my credit history. 

I provided the screenshot of the credit report and my passport & bank statement as proof. 

Please help to connect with Experian and adjust my credit report. 

Thank you so much. 

XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.please see attached account number as follows # XXXX 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
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

I never applied for this apartment and never lived there and never agreed to pay anything to this company. They are demanding I pay a balance of {$220.00} and Im constantly getting denied for other rentals due to this issue. When I reached out to the leasing office they demanded I pay this amount even though I didnt authorize this and have no clue where this came from. According to FRCA section 605B it is illegal to report information on my credit report without my permissionn please remove this off my credit report thank you
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

This complaint is similar to one that was recently resolved by Key Bank. 
I did not realize I could have also mentioned a second check. 

Please see the facts outlined in my prior complaint XXXX. This complaint involves a second check that was compromised at the same time. 

Basically, checks were washed from two of my accounts for the XXXX XXXX XXXX back in XXXX, XXXX. Despite me immediately notifying Key Bank and completing all the required forms and filing a police report, the funds were not refunded to the accounts. I did everything possible to resolve the situation. 

At this time, there is one outstanding check for {$3200.00}, which funds have not been deposited back in my account.

From one of my recent calls to the Key Bank fraud line, I was advised that they filed a demand with XXXX. I asked when it was filed and was advised it was about 6 months ago. I asked if it was normal for it to take that long for a reply. 

As you can see from the prior complaint above, there were issues with the representative in the fraud department on my many calls, including being told that a supervisor would not take my call or call me back. 

I am hopeful, from the recent resolution of the other check, that this matter can be resolved with the depositing of the above amount back in the account.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I checked my account and noticed a {$600.00} charge not authorized by a company called XXXX. Usually my bank will decline transactions unrecognized but failed to do so. I called Wells Fargo and was told that it will take up to 10 days for the fraud department to do an investigation. I had some apple store charges as well and told the agent helping me I would resolve that with XXXX. Fast forward with 11 hours on the phone seeking answers and information, visiting my local branch and spending 4 hours of time between 2 visits, as well as even going as so far to add people on XXXX to that worked for the company, I finally received my refund. The same day I received it I was sent a letter they reopened the claim and now will be taking the amount back on XX/XX/XXXX. Another letter was sent on XX/XX/XXXX that its resolved and closed so the amount was permanently in my account. I was sent over 13 letters with constant changes and I am unclear why. Its a case that was closed the day I called on XX/XX/XXXX and said it was fraudulent. 

The money was again taken from my account and I provided endless information showing I never authorized the charge and had a letter from XXXX showing they have no information of mine and also no account. 

This has kept me awake at night. I stayed a customer with Wells Fargo despite how terrible I was treated and trusted they would abide by the XXXX XXXX XXXX as its one of the reason I became a customer. I now have 2 separate claims with no understanding what charges are on each one. I told WF endless times to not include XXXX XXXX charges but its a continuous disconnect as the attachments show arbitrary numbers. It should be one charge. For {$600.00}. 
No one will help me, yet again Im in a spot of despair. I can provide any information possible and need someone to please help me as this has taken time from my extremely stressful job as an analyst, stopped me from flying to my families for holiday and made me unable to sign up at other banks bc of a negative amount in my account. I started this claim almost 2 months ago and my notes regarding the claim are inaccurate and I cant get a person to look up from the screen and realize its an operational error on the companys part.