davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (LA)

have been employed in XXXX XXXX for over 20 years and in student loan debt for just as long. Specifically, I have worked in public service at a qualifying employer prior to the implementation of PSLF in XXXX until now. As such, I would have been eligible as of XXXX. XXXX XXXXXXXX was my loan servicer. As a loan servicer, it was difficult to get information about PSLF/repayment plans as well as their ever-changing criteria. I was always told I had the wrong loan type or repayment plan resulting in my payments not counting towards PSLF. The Cares Act suspended student loan payments and waived interest between XXXX and XXXX. However, I made consistent payments during this time. Additionally, I was able to qualify for loan forgiveness solely due to the temporary changes made to the Public Service Loan Forgiveness ( PSLF ) program between XX/XX/XXXX and XX/XX/XXXX. In XXXX, my loans were forgiven and I was determined eligible for PSLF as of XXXX. As I believed my eligibility date should have been XXXX, I sent verification of my qualifying employment during XXXX to XXXX and Department of Education as they both instructed for reconsideration of my PSLF eligibility date. As stated, Ive gotten emails from XXXX indicating that there was a refund of payments that supposedly came in a lump sum but they refused to provide additional information such as deposit details or verification. I have filed complaints about them with the Department of Education to no avail. Neither corrected my PSLF eligibility date NOR issued a refund for any and all payments made since XXXX. Immediately upon being notified of the forgiveness, I no longer had online access to view my payment history on XXXX website. I attempted to contact XXXX by phone and email spending countless hours on hold and back & forth emails with no resolution. I am due a refund for overpayments since XXXX. XXXX XXXXXXXX redirected me to the Department of Education, and vice versa. XXXX insisted they issued a refund but provided no other information and consistently redirected me to the Treasury Department. I am due a refund in excess of {$12000.00} plus interest. They should incur the same late fees and penalties we have to incur as borrowers in this student loan debt scheme. I am long overdue a refund for all overpayment/payments made since XXXX. Conveniently, XXXX discontinued their loan servicing while outstanding debts are owed and transferred accounts to Mohela. I have made several efforts to contact XXXX XXXX prior to their discontinuation of loan servicing. I was directed to Mohela although my loans were forgiven. I also received correspondence from Mohela THEREAFER stating that my PSLF is under review. I contacted Mohela by phone for additional information but was told there was no record of me/my accounts in their system. There continues to be a lack of communication and transparency. Neither the Department of Education, MOHELA, or XXXX has taken steps to get this matter resolved. 

T
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. 

On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. 

On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. 

In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. 

The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX Lied to me about bank process that violated my rights civil and human rights i alerted XXXX XXXX of the situation they didn't make it right they just played like signing 10 signatures is part of the process to open up a safe deposit box and also telling that biz accounts were only for biz trying to make it so unfairly that a person with the right mind could not accept i've been doing biz with them for decades and they made it seem like a was knew
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a XXXX balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

My current loan to value ratio is less than 80 % but my mortgage provider is not accepting to cancel my PMI. I recently did refinance and as of today the Loan to value ratio is less than 80 % Mortgage provider - dovenmuhule Mortgage As per the contract signed, my PMI can be cancelled after ltv is 80 % or less
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Ive had my account for over XXXX years and someone hacked into my account and they said they were going to fix it but closed my account down and I didnt get a follow up or call back seeing why my account got shut down. And I would notice money missing out of my account!
Consumer complaint received 2023-11-17
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)

misspeled names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX they did not provide me with original contract as | requested. I do not have a contract with XXXX they did not provide me with the original contract as | requested. I do have a contract with XXXX XXXX they did not provide me with the original contract as | requested. I do not have a contract with XXXX XXXX they did not provide me with original contract as i requested. I do not have a contract with XXXX XXXX XXXX  they did not provide me with original contract as | requested. I do not have a contract XXXX XXXX they did not provide me with original contract as | requested. | do not have a contract with XXXX they did not provide me with the original contract as | requested.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked for a reinvestigation into an incorrect account, XXXX # XXXX. It is my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for the names and phone numbers of the managers that verified the items. You denied my right and instead stated you previously sent papers verifying such information. The paperwork you sent was never received prior to that date from the creditor. This does not verify the information on the account. On the paper transunion provided it states I owe somewhere over XXXX USD. However, its being reporting around XXXX USD. This account is incorrect as I have been complaining and as the credit reporting agency you are Deliberately violating my rights. On or around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you also failed to respond within the 30 days time. In fact, lied and stated you never received correspondence. Its is my right to have this item removed because it is not properly verified.
Consumer complaint received 2020-07-06
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. (TX)

all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXXXXXXXXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXXXXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a XXXX and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NE)

I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these five lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

This complaint is in regards to the Department of Education 's and FedLoan Servicing 's mishandling of the PSLF program under the Limited Waiver. Numerous borrowers pursuing PSLF are attempting to remove an in-school deferment via the " School Related Deferment Waiver Form '' ( Records Code : XXXX ; Version Date : XX/XX/2010 ). Some, but not all, FedLoan Servicing employees are rejecting these submitted forms, perhaps at the direction of the Department of Education, informing borrowers that the form only applies to pre-consolidation Direct loans. Nowhere on the form, which has not been updated in almost 12 years, does it state that. This is therefore causing a considerable amount of confusion, XXXX and frustration among borrowers. Borrowers do not trust the Department of Education and FedLoan Servicing because of outdated forms ; inefficient processes ; and unclear, fabricated, and misapplied PSLF policies.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

I am unable to access my Equifax credit report. It has been like this for the past 8 months!! I have sent multiple letters to Equifax about this issue, I have even called them. They said there was a issue with my report and they will fix it. 8 months later nothing has been done. As of today XX/XX/2022 I am still not able to see my report. I have included a screenshot of the message that I get when trying to access my credit report!!
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the Trans Union and XXXX  and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter  XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. 

In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX
Consumer complaint received 2022-04-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc. (AZ)

I opened a savings account online with XXXX XXXX and it wouldnt let me create a login after putting in all my information and scheduling a XXXX deposit from our chase checking account. I called numerous times and was told they see my profile and the pending deposit, so she said she reset everything and gave me a temporary user name and password, which still didnt work and she didnt know why, so she told me to wait a couple of hours then try it again. So I waited and still couldnt log in, so I called back and then I was told there is no deposit pending and to wait another couple hours. I told her I wanted to talk with a supervisor and got stuck on hold indefinitely. I hung up and called back and I got another person and explained everything and I told her to just cancel the account and cancel my electronic transfer, she told me it would take up to 3 days to cancel the account but ensured me my electronic transfer was canceled. This morning the transfer is pending in our checking account. After doing research on this bank EVERYONE has the same complaint. I called XXXX this morning at XXXX to put in a stop payment. This online bank is fraudulent and needs to be looked into. I am going to the bank this morning to make sure this doesnt go through. Also I tried logging into the account with the information they gave me and it still doesnt work.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 there was a transfer of {$2300.00} from my Bank of America XXXX debit card. I did not make that transfer. BofA said they investigated my claim twice and they say that I made the transfer ( see attached letter from BofA ) and I should try to collect it from the person I sent it to. 
I asked for copies of the of the paperwork they ( The denial letter said I could request that paperwork ) used to come to their conclusion. I still have nothing. 

They just denied it for the third time. When I did the police report they said I had identity theft. The person or persons also got into my XXXX XX/XX/XXXXfor almost {$900.00} but it Ive already been reimbursed for that if Bank of America is so sure of themselves to deny my claim three times, why wont they let me know what they used to make their decision? 
I dont know where to go now for help. 
XXXX XXXX