davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NH)

On XX/XX/XXXX, I spoke to a MOHELA representative because my payment amount on the SAVE plan seemed unusually high. The customer service representative had me re-complete the application and gave me an estimated payment amount of roughly {$210.00}. This estimate lined up with their payment calculator as well as my own math based on the SAVE plan. 

On XX/XX/XXXX, I called again because I had been sent a statement saying that my monthly payment would be {$580.00}, more than double the amount stated last time. I was told to disregard this statement. 

On XX/XX/XXXX, MOHELA reached out to say that my SAVE application was rejected. On XX/XX/XXXX, I spoke with a customer service representative who gave another estimate of roughly {$230.00}. I had the representative add a note that my account had been miscalculated multiple times. 

On XX/XX/XXXX, I received another notice that the SAVE plan application has been rejected. 

According to my math, MOHELA is neglecting to take my spouses federal student debt into account despite that being a part of all IDR plans.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I was contacted by phone by a male impersonating as a deputy sheriff. I was told that a warrant for my arrest was issued by a local federal court due to a failure to appear at a federal criminal trial. I was told that I could avoid arrest by transferring {$3000.00} to the court via XXXX. As directed, I transferred {$3000.00} via XXXX to the account and information provided by the scammer. 

On the same day, I contacted my bank, Truist, to try to get the transfer cancelled which was unsuccessful. I also filed a police report with the XXXX XXXX Florida XXXX. 

On XX/XX/2023 I submitted a fraud/scam claim with Truist. Truist denied by claim. I tried to find a way to file a claim with XXXX by was directed by the XXXX website to contact my personal bank. 

Truist already has the necessary documentation of the incident and claim.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA (MI)

On XX/XX/year> my Apple cash account was locked due to it not abiding apples terms and conditions. They have yet to explain the honest reason why it was locked because what was given as an explanation it was not a formidable reason once so ever. I currently have {$1500.00} permanently locked on there. It was not a suspected fraud case because it came from the same card Ive had on Apple pay for the last 2-3 years. I would greatly appreciate some assistance in getting my account unlocked because the money I use on Apple pay is strictly for my bills and without it I am in jeopardy of facing late bills and maybe even eviction. 

Thank you.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (AZ)

I applied for a XXXX XXXX XXXX credit card on XX/XX/XXXX and was denied by Wells Fargo. As per 15 U.S.C. 1691 ( a ) ( 3 ) it's illegal to discriminate against any applicant with respect to any aspect of a credit transaction. I have attempted numerous times in a private setting to resolve these issues with Wells Fargo. I have sent an Adverse Action letter, two ( 2 ) Notice of Default & Opportunities to Cure, and three ( 3 ) Bills of Particulars. All signed by me, notarized and sent via certified USPS, w/ return receipt.

Wells Fargo has been complicit in breaking the law and I have been forced to submit a complaint in AZ District Court. 
On XX/XX/XXXX I will be submitting the complaint, unless Wells Fargo responds to my demands & complies with federal banking & consumer law. 
This is my third CFPB complaint & nothing has been done on Wells Fargo 's end.
Consumer complaint received 2023-11-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts XXXX XXXX XXXX XXXX/NELNET XXXX XXXX XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXXNELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, XXXX XXXX XXXX/NELNET XXXX, and XXXX XXXX XXXX/NELNET XXXX.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bright Capital Inc (TX)

Ive used this company before with no issues recently my withdrawal limit was decreased I needed the money for an emergency and for XXXX weeks and XXXX request no results each agents states the same thing the issue will be fixed and if I ask for a manager there will keep on hold for long periods of time and disconnect the call.
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

Yes, I had a collision while driving and my car was totaled. I had full coverage car insurance and gap insurance. XXXX sent me a letter and said that they did not have to pay out the remainder of my loan because I accepted less of a settlement than what the car is worth and that since the document was signed that I accepted the loan I could not contest it. XXXX the agent I spoke to said that there is a grandfathered clause on the contract that I signed that says that if you accept less than the value on the car you have to pay out the rest of the loan and he offered me a refund of the {$580.00} I paid when I signed the contract. First off, could you please let me know where it says that on the contract? Othewise, why even charge me for GAP insurance at all? Why would you make me think I had Gap insurance when I didn't? Also, the insurance valued the car fairly at approximately $ XXXX. I hit multiple pot holes and got flat tires several times. That actually happened that Sunday prior to my accident and I had to call XXXX.Then, someone tried to steal it in XXXX and broke my rear window. The insurance sent XXXX to fix it and the mechanic told me that whoever did it broke it with a crowbar and in order to fix it he put the window back but the door would need to be replaced eventually because he could see where the window was thrown off track. I looked at the XXXX value just now and it said that my car in rough condition with the mileage was valued at XXXX which is what the insurance paid out to the lien holder so I'm trying to figure out what XXXX is talking about.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (MA)

A fake company posed as XXXX and got my information to charge my card for a utility bill that was due. The amount was supposed to be {$100.00}. They charged {$220.00} on XX/XX/23. Made a claim with my bank but their investigation determined there was no error, but it was a fraud charge.
Consumer complaint received 2024-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OR)

I am writing to file a formal complaint against Wells Fargo regarding their refusal to allow me to open an account online, which has adversely affected my ability to manage my car loan account and resulted in late payments on my credit score. 

In XX/XX/year>, I entered into a car loan agreement with Wells Fargo to finance the purchase of a vehicle. As part of my banking preferences, I attempted to open an account with Wells Fargo online to facilitate payments and manage my loan account conveniently. However, despite multiple attempts and inquiries, Wells Fargo has consistently denied my requests to open an account through their online platform. I have been unable to view my loan balance, make payments, set reminders, or set up auto-pay since inception of the loan. Instead, I relied on receiving phone calls from a Wells Fargo representative to remind me to pay my loan each month after the due date. They were unable to add my card or account to recurring pay automatically because I had to have atleast two months on time payment and then call back to set up myself. I have XXXX  and can not remember on my own, nor can I even keep a calendar. 

As a result of Wells Fargos refusal to provide online account access, I have encountered significant challenges in making timely payments on my car loan. Without the ability to manage my account online, I am forced to rely on alternative, less efficient methods of payment, which have led to late payments and negative repercussions on my credit score. 

I believe Wells Fargos actions constitute a violation of consumer protection laws and represent unfair and deceptive practices. By denying me access to online account management, Wells Fargo has failed to fulfill their obligations as a financial institution and has caused undue harm to my financial well-being. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Wells Fargo to ensure compliance with consumer protection regulations. Additionally, I seek assistance in resolving the issue of online account access and obtaining compensation for any damages incurred as a result of Wells Fargos actions, and/or having the late payments that were unfairly reported removed from my credit history. They have made me unable to apply for a mortgage, get an apartment ( no co-signer available to me ), or get a credit card, further causing me to incur late fees and high dollar value security deposits. I WAS LATE BECAUSE I MOVED AND GOT A NEW PHONE NUMBER, CAUSING ME TO BE UNABLE TO RECIEVE LATE PAYMENT REMINDERS I AM ALSO UNABLE TO LOCATE A LOAN OR ACCOUNT NUMBER.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MI)

My complaint regarding Marcus Goldman Sachs. 

I called on XX/XX/XXXX to request a wire transfer of $ XXXX to my checking account on file as I am closing on a house the week after and need to make sure the money is available. I tripled checked that they let me know if there are any issues as this was a time sensitive matter, and they agreed. 

Fast forward XXXX  XX/XX/XXXX and the wire transfer still hasn't been received. I called again the same day and inquired and they confirmed that the wire transfer has been sent but I need to contact my received bank ( XXXX ) as maybe they are having trouble processing it. I called XXXX and they confirmed that no wire transfer has been sent. I then called Marcus back and they said that there was a problem with the wire transfer but that they are unable to tell me what the issue is. I remained patient ( albeit furious on them not taking any responsibility ), and after wasting another XXXX mins over the phone they said they sent an expedited wire transfer. Later the XXXX, I called to double check so they said that the wire transfer has been sent AFTER the cut off time which contradicts what they told me and that will waste another business day when I have a deadline to close on the house that I need to meet. I asked again why the negligence and she laughed it off rather than taking any responsibility. And still I have no idea when I will receive my money.
Consumer complaint received 2023-11-14
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)

XX/XX/XXXX I was mailed paperwork from equifax and which they violated several of my fcra rights and privacy rights. They are reporting high balances on several of my accounts which is against the law and violates me as a consumer. They were asked to update the information not investigate there was nothing to investigate because reporting recent and high balances on my credit report without my consent is a violation of privacy and has ruined my reputation to apply for other products. This is an invasion of my privacy according to FTC. Equifax is not complying with Privacy Act of Consumer Information Rule of the Gramm Leach Bliley Act. There is no law that states bureaus report high balances and transactions which if the bureaus furnished that information on my consumer report that is indeed an invasion of my privacy. Furthermore more they claim they updated my information which they didnt which is a violation of FCRA and other violations of the law as well
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the repeated reporting of late open accounts on my credit report, despite previous attempts to dispute and correct these inaccuracies. This ongoing issue has a significant impact on my creditworthiness and financial stability, and I request your immediate and thorough investigation to address and rectify this persistent problem. I have identified multiple accounts on my credit report that are inaccurately reported as late open accounts. These accounts should not have any late payment history as they were opened within the specified terms and conditions. I have previously disputed these inaccuracies and provided documentation to support my claims. However, despite my efforts, the accounts continue to be incorrectly reported as late open. 

I request that your bureau conduct a comprehensive review of these accounts and correct their status to accurately reflect their current standing. The ongoing reporting of these inaccurate late open accounts not only harms my creditworthiness but also raises concerns about the accuracy of the information provided by your agency. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary corrections have been made. Additionally, I request an explanation for the recurring nature of this issue, as it has persisted despite my previous disputes. These late open accounts should be corrected by the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries listed on my credit reports I did not authorize 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (AZ)

I had my identity stolen and the thief was able to use my identity to open two credit cards, a checking account, and a savings account with a Truist Bank Branch in XXXX. I reported this to the company and found on my credit report that a credit card had been fraudulently used to charge {$8600.00} to the card. The bank sent me a letter after a few weeks dated XX/XX/2023 but not actually delivered until XX/XX/2023 XXXX weeks later. The letter said I had a case open XXXX and I had 30 days to respond with all documentation needed. I worked until midnight and the next day XX/XX/2023 sent all the documents along with the completed affidavit to Truist bank using the envelope that was enclosed by the XXXX XXXX  XXXX XXXX. I just received another letter today XX/XX/2023 that is dated XX/XX/XXXX that says, " We have closed our investigation into your identity theft claim as Unconfirmed/Denied because we did not hear from you or receive the documentation we needed to complete our investigation within 30 days. '' The letter also states that the past-due accounts will remain in active collection status. I have contacted this bank over XXXX different times, I have a call log and notes from the calls. I sent the required documentation the very first day possible with all required documentation and I am still being held liable for identity fraud that this company did not do it's due diligence to prevent nor resolve. I am attaching a scan with the letters and documentation that was sent to them.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened up this checking account on XXXX XXXX, 2022, for the bonus promotion. I deposited {$75000.00} on XXXX XXXX, 2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

On XXXX, the following transaction was made on my Meriwest Credit Union credit card for the amount of {$170.00} : Ref # XXXX : XXXX XXXX XXXX NY {$170.00} On XX/XX/25, I noticed the transaction was made on my account and immediately contacted Meriwest Credit Union that somebody had made this fraudulent transaction.

Initially, Meriwest reversed the transaction and credited my account, but in early XXXX, they reversed the credit on my account and charged me for the purchase, even though I had not purchased the item not received the merchandise. 

As a result, I am contacting CFPB to help correct this misunderstanding. Please see attached statement for reference. 

Thank you, XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (MS)

on XX/XX/2021, i sent a letter to MIRAMED REVENUE GROUP , LLC about an alleged debt of XXXX that I do not owe.i requested the validity of the debt on XX/XX/2021 and haven't received anything as of XX/XX/2021. MIRAMED REVENUE GROUP , LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$180.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MIRAMED REVENUE GROUP , LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I had a payment due of {$46.00} on XX/XX/XXXX. I forgot about it because this isn't the card I use for regular charges. I got an email reminder on XX/XX/XXXX and made the payment on that day. They charged me {$32.00} in late fees and interest. When I called to ask them to remove the charge, they refused. I understand a small fee for a slightly late payment, but they are over 70 % of the original charge in fees for being three days late. I think that's obscene.