davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/25 I received a call with a BOA name and number on my caller id. She knew my name, was very friendly, and asked if I had made a purchase for approximately {$450.00}. I said no and she said that she would make sure it was cancelled. Then asked if I made a large purchase at XXXX which kinda got my trust cause I go there. So I said no and she said no worries again and told me she took care of it. 
Then she started texting me numbers and asking me to read them back, which I did all this with the BOA logo in the text box. So again Im a little more trusting. After 40 minutes she asked me if I will stop a transmission for {$8000.00}, and I texted yes. And at that point the call was over. 
When I looked in my account the {$8000.00} was gone. This is All I have. Im a XXXX  and it took me forever to save this money. 
BOA Has told me 3 times that I lost the case, but when I threatened with a law suit they reopened it. At one point they said I did it, it which point I told them they know I didnt and again they reopened it. I have never had a companies name and number come up on my ID and not had it be the actual company. This is all new to me. This should not be my fault. BOA Said they send out plenty of security emails out. This is a LIE,, Ive never received one until the 10 Ive gotten since this case started. The levels of unprofessionalism from BOA I could go to would take 10 emails. Two of their reps told me I would definitely be getting my money back that I was covered under fraud protection. First they told me to close my account, then they told me to keep it open. It seems every rep Ive talked to says something different. I've noticed in the letters they're sending me they seem to have to person who stole my moneys account number. What??? is going on here???? This is pretty scary. These people impersonated a bank stole my money and BOA knows there account number?
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

Chime allowed a transaction to take place at XXXX on Friday, XX/XX/XXXX for {$14.00}. I did not make this purchase at XXXX. I received an email from Chime stating that someone had tried to use my debit card at XXXX and because that individual put in the wrong pin number, Chime canceled the transaction. However, the money is still missing from my account and no one at Chime can tell me why. My mother and I were also promised {$100.00} dollars for referring her ( XXXX  XXXX ) to Chime and they refuse to pay us. I have XXXX other transactions that were canceled by XXXX XXXX for {$42.00} and XXXX for {$45.00} that Chime has failed to return to my balance. I requested that my Chime account be closed permanently and Chime agreed to do so on XX/XX/XXXX, I believe. I am worried that Chime will close my account without refunding any of my money.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I am a XXXX student at XXXX XXXX who received a late notice bill for my loans on XX/XX/XXXX, which shocked me since I did not even know that I had a payment. I have tried calling and messaging MOHELA 's customer service about this but to no avail. I am also concerned that my interest on my loans is even correct. I have seen the issues other borrowers face with MOHELA and their incompetence.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Several times spoke with agent online about the account and the status. Was making payments during the pandemic and they closed the account. Upon closing, they sold account to collection company. They then sent me a payoff amount. I later found that they are still reporting account as active and being late and with a high balance on my credit report. 

XX/XX/XXXX XXXX - XXXX XXXX L ( ChargeOff ) Alert from : Experian A Charge-off occurs when a creditor considers a debt to be 'uncollectable. ' Once a Charge-off is initiated, the unpaid debt is shifted to a non-receivable bad debt. From here, the creditor can either continue to report the entire amount as debt obliged to them or they may try to recoup some of the debt by selling it to a collections agency at a reduced price. Once sold, they must report the fact that the debtor no longer owes them a debt by updating their reporting to {$0.00}. However, the entire debt remains with the collection agency until paid. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I keep getting billing statements and collected interest while the Servicer is delayed on completing my student loan lower payment application. The Delay is not caused by borrower but by Servicer to complete my loan payment application. Servicer said it would be completed around XXXX but it is XXXX and not yet completed.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

I applied for XXXX through the gov website. The application has been sitting in Mohela 's queue unprocessed for almost XXXX months now. I have sent XXXX messages XXXX and XX/XX/24 through their website asking them to get on with processing it only to get useless canned responses and no action.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

I was in a Driven income loan plan before I filed bankruptcy due to lost income and me living in low income housing recently I filed bankruptcy and I never applied for my loans to switch from driven income loans to forbearance MOHELA did that on their own without my consent or knowledge I looked at my account and everything looked different now theyve switched me to a repayment plan unfortunately I cant afford that is the reason I was on a driven income loan plan from the beginning MOHELA did things to my account with only sending me Acknowledgment only after they did it and Im not OK with that now I have to repay and I dont have the money to do it
Consumer complaint received 2024-04-02
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 paid three months of payments to Mohela for my student loan. they infromed me in XXXX that they put my loan in administrative forebearnce via an email dated XX/XX/XXXX. The letter states that I could ask for a refund for those months. I called and was told that it was being processed on XX/XX/XXXX. I called agaon in XXXX and XXXX and was told it was being processed. The last time I spoke to someone she I was on the phone for a total of 4 hours and still no idea when I would get refund
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

I have been asking for information and trying to get them to review my loans, specifically the loans that were disbursed 20 years ago to get them forgiven. I have not been able to speak to any customer service agent as I am put on hold for 45+ minutes. I have contacted them through the messaging on their site, and they give me canned responses. They told me they would have a customer service agent call me and I have not received a call yet.
Consumer complaint received 2024-04-01
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 (CA)

This is the 3rd time I am submitting this complaint through CFPB. The reason for this is because I opened a new case from wells fargo last week to look into refunding back my stolen money that happened on XX/XX/year> and the total money that was stolen from me is {$4500.00} which wells fargo would not acknowledge to give back to me. I have provided a lot of evidence to prove that all the transactions were illegally charged on my checking account without my authorization. I did all the necessary steps needed on my part to try to prevent this but still, wells fargo after multiple attempts to dispute the charges, are still not resolved. The new case that was re-opened on wells fargo was on XXXX XXXX ( last week tuesday ). I was informed that a case manager will be assigned to my new case that was opened within 24-48 hrs. It has now been close to a week since then, I keep on calling every single day since XXXX XXXX to check in for an update and talk to the case manager assigned to my case and each call, I was informed the exact same thing, " We will note down that you called and we will be sure to let the case manager assigned to you to give you a call back today or tomorrow ''. This same convo has been happening every single time that I called and still nobody is assigned to my case to handle it. I called the executive branch at wells fargo again today and I was still informed that there is a delay and somebody will reach out to me soon. I have been frustrated since I have to send a lot of time sensitive documents to them so they can further investigate my case and see about refunding me back my stolen money. This whole process has been time consuming, stressful and has impacted my life very negatively to know that my bank, who I have been with for more than 10 years with no issues, DOES NOT have my back when my checking account was compromised. I feel like there has been no real support from wells fargo and now here I am again going to CFPB to file this complaint so somebody from wells fargo will be assigned to me, rather than me waiting on wells fargo and try to call them everyday. I have attached all the documents needed for this case investigation so Wells fargo can further look into my case. 
I also attached a document outlining the complete timeline of the fraud charges incident and all the steps and actions I have taken to prove the illegal charges that happened on my checking account.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

THIS FRAUD NAVY ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED NAVY FEDERAL CREDIT UNION XXXXEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2023-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (OH)

Goldman Sachs did not properly follow lending processes and Truth Lending. I want this account deleted from my credit reports. The loan payment statements were sent to an incorrect address in Florida. I knew nothing about this loan or payments until Goldman Sachs filed a judgement against me in court. I also found out that Goldman entered the wrong phone number.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL CREDIT UNION NAVY FEDERAL ACCOUNT XXXX WAS REMOVED BUT PLACED BACK ON CREDIT REPORTS UNDER NEW ACCOUNT NUMBER XXXX XXXX5usc 6801 Protection of Non- Public Information NAVY FEDERAL has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NAVY FEDERAL did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL CREDIT UNION Account XXXX 15usc 6801 Protection of Non- Public Information NAVY FEDERAL has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy NAVY FEDERAL did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2024-03-30
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: NAVY FEDERAL CREDIT UNION (TX)

I wanted to acquire Vehicle with low interest but unfortunately I Have Damages on my credit report. According to the 15 U.S.C 1681-Law their should not be any damages on my credit report its a deformation to my character.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (MO)

Was sent a dated promotional offer via mail with my name and address for a sign-up bonus to bank with Commerce Bank XXXX I took the physical offer to the bank and opened an account within the sign-up period. I met the requirements from XX/XX/XXXX date of opening to the XX/XX/XXXX promotional window. By that time I had held the minimum balance that they required of {$300.00} and had made more than the required 10 transactions. Bonus was stated to be paid out first week of XXXX. Never received the bonus so I went into the bank and spoke with an employee. They said it looked as though I had met the requirements and sent an inquiry to the team that manages the bonuses. A week went by and no answers, no bonus. So I emailed them through the banking portal. The response was, " You did not make 10 debit card purchases in the first 60 days after account opening. '' I replied, stating they have made a mistake as I can count and show 12 transactions between XXXX and XXXX. Have not received a response to my reply and it has been nearly a week. Have not gotten the bonus either.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

There was a fraudulent check that was processed on my account from XXXX for {$2200.00} I never had any paper checks that I purchased on any of my navy federal accounts. I spoke with XXXX and confirmed that they didn't withdraw that amount on my prior closed account that I had with them. This account was closed as of XXXX. I also had them send me a print out that showed all transactions that were processed on the account that I had with them prior. This was not associated with the account and whatever this payment went to was nothing that I was associated with. I have been trying to get these funds back since XX/XX/XXXX. I filed a fraud claim that was denied, and filed and appeal in XX/XX/XXXX and was told it would take 15 days to process. I still have not received any updates nor a refund.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NM)

I opened a Discover XXXX XXXX account on XX/XX/year>. I was told to fund the account to ensure it stays open. 
I funded the account on on the same day as opening the account with my XXXX XXXX. 
I was told that the deposit was posted to XX/XX/year>. I finally got my debit card in the mail on XX/XX/year>. I tried to activate my card but I was told due to fraudulent activity on my account ; it set to close it 15 days. All I was trying to due was fund my account. 
No fraud was committed. It was a brand new account.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XXXXXXXX XXXX XXXXXXXX I had requested that Wells Fargo provide me online access to my account as well as set up the option that when transactions are made I get a text the banker told me she would do it and never did Sometime in XXXX Wells Fargo changed my address on file without my permission as well as updated my phone number and my mailing address. On XX/XX/XXXX I found out that there was about XXXX missing from my bank account when I called Wells Fargo I opened a claim for some of the transactions I still wasnt able to get online to see my transactions and I havent got a statement from the bank at this time I requested that I get a print out of all my transactions so I can see what was going on Wells Fargo denied my claim saying that I made the transitions when I didnt authorize the transactions On XX/XX/XXXX I got my print out of all my statement and I find them more transitions opening another claim however they are saying that I made the transactions using my XXXX XXXX  i spent 4 hours on the phone with XXXX trying to figure out what was going on and how these transactions were made XXXX  told me that my XXXX  XXXX didnt make the transactions and they were not able to see a record of them I called Wells Fargo back and told then that happened and they told me the claim was denied I am completely frustrated with Wells Fargo because they have denied me access to my account they have allowed somome to take my money and they have also done everything that they could to let somome take my money without me knowing and I am hoping that Wells Fargo is able to give me back my money if not I am and will be moving forward with hiring a lawyer and will have to get my money back that way because Im not just going to let Wells Fargo take about XXXX from me and say theres nothing more they can do about it
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I discovered that my checking account had been changed to a Payable on Death Account with a named beneficiary whom I do not know. I changed the account back. My complaint is that Bank of America has not complied with my written request for business records as to this Change of Account under Section 609 ( e ) of the FCRA and is giving me the runaround, thereby delaying and hindering my ability to prevent reoccurances and assisting law enforcement/FTC from identifying, pursuing and prosecuting the person ( s ) responsible for stealing my identity.
Consumer complaint received 2024-04-16
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. (CA)

CFPB Writeup : 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (GA)

In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. XXXX XXXX failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and PNC for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by XXXX XXXX. 


Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that PNC offers. 


I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX  XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that PNC open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.