davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

MY ACCOUNT THAT I WAS PAYING ON THROUGH XXXX WAS TRANSFERRED TO MOHELA. I WAS PAYING ALL ALONG AND CONTINUED TO PAY THROUGH MOHELA. MY RECERTIFICATION IS DUE XX/XX/24, EVEN THOUGH ALL INCOME WAS REPORTED TO THEM, ( XXXX XXXX XXXX XXXX XXXX RETURNS ), AND THE PAYMENTS SUDDENLY STOPPED IN XX/XX/24 AND THE PAYMENT OF OVER {$4000.00} IS DUE ON XX/XX/24. I APPLIED OVER THE PHONE XXXX MONTHS AGO, BUT FOR SOME REASON THEY NEVER DID THE APPLICATION OVER THE PHONE, OR AS STATED, " A GLITCH IN THE SYSTEM '', SO AFTER XXXX COMMUNICATION FOR MONTHS I GET A BILL ON XX/XX/24, THAT MY BILL OF {$22.00} ( WITH AN XXXX  OF {$37000.00} ), WAS NOW OVER {$4000.00}. NO EXPLANATION, NO COMMUNICATION REQUESTING ANYTHING, NOTHING, I PHONED IN ON XXXX, BEING ON THE PHONE BETWEEN XXXX HOURS EVERY DAY, AND FOUND OUT THAT NO ONE DID THE SAVE PLAN APPLICATION, SO THE REPRESENTATIVE DID IT OVER THE PHONE, BUT THAT WAS NOT THE ONLY ISSUE. THE MAIN ISSUE WAS I NEEDED THE XXXX XXXX XXXX XXXX DEPARTMENT ( AS THEY TOLD ME TO CONTACT A SUPERVISOR ), WAS THE ONLY DEPARTMENT THAT SIMPLY NEEDED TO RESET MY ACCOUNT BACK TO MY IDR AND REVERT MY PAYMENT TO MY ORIGINAL IDR. I WAS TOLD IT WOULD BE DONE IN ABOUT XXXX  DAYS, BUT ONLY TAKES A MOMENT TO DO IT IN THE SYSTEM, WELL FAST FORWARD TO TODAY, XX/XX/24, NOTHING IS DONE AND NOW THEY ARE CLAIMING THEY DON'T KNOW ANYTHING AND CAN'T DO ANYTHING BECAUSE THEY NEED MY PAYMENT HISTORY FROM XXXX AND EVEN THOUGH THEY HAVE BILLED ME EVERY MONTH SINCE TRANSFER AND I PAY THROUGH THEIR WEBSITE OR OVER PHONE, THEY CAN'T HELP ME. SO NOW, THEY WILL REPORT THAT MISSED PAYMENT TO CREDIT REPORTING AGENCIES. THAT WILL DESTROY MY CREDIT. IT WILL NOT SHOW MY XXXX PAYMENT EVEN THOUGH I MADE A PAYMENT FOR XXXX. THEY SHOULD NOT BE LEGALLY ALLOWED TO REPORT ANY PAYMENT TO THE AGENCIES WHEN I NEVER MISSED ANY PAYMENT, THEY MADE IN ERROR IN NOT GETTING MY ENTIRE FILE FROM XXXX, WHICH XXXX CUSTOMER SERVICE JUST TOLD M E THIS EVENING THAT THEY JUST REQUESTED IT AND IT WILL TAKE SOME TIME TO GET IT TO MOHELA. WHY DID THEY WAIT XXXX MONTHS TO GET MY FILE? WHY DID XXXX NOT SEND MY ENTIRE FILE AND PAYMENT HISTORY WHEN THEY TRANSFERRED MY ACCOUNT? WHAT IS ACTUALLY GOING ON. I HAVE BEEN TOLD NUMEROUS TIMES THAT IT IS A SIMPLE ACCOUNT RESET SINCE I AM CERTIFIED UNTIL XX/XX/24 AND IT WAS JUST A " GLITCH IN THE SYSTEM ''. I ASKED FOR THE PHONE RECORDS TO PROVE THEIR UNTRUTHS OF NO ONE HELPING ME BUT MAKING XXXX EXCUSE AFTER ANOTHER THAT THEY HAVE TO REQUEST SUPERVISORS, DAYS UNTIL THEY CALL YOU, IF THEY CALL YOU, AND THAT NO ONE HAS ACCESS THE THE HIRE UP DEVISION THAT COULD FIX MY ACCOUNT BUT WONT. SO NOW, I CAN'T MAKE PAYMENTS ON MY ACCOUNT BECAUSE IT STATES I OWE OVER {$4000.00}. I CALL IN TO MAKE THE PAYMENT, BUT THAT IS GOING TO CAUSE A CREDIT ISSUE. 
I NEED ASSISTANCE IN THIS MATTER AND ALL CREDIT REPORTING STOPPED UNTIL MY LOAN IS FIXED DUE TO SOMEONE'S INCOMPETENCE, OR COMPUTER " GLITCH ''. 

THANK YOU, XXXX XXXX XXXX
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AL)

Pnc acquired our accounts in merger & buyout -- our banking with bbva has been great. Pnc has repeatedly locked me out of online banking, terrible wait times for tech to help me get in -- 1 time i was told she couldn't find my personal accounts -- after i provided the numbers! They sent no debit cards, but that # or pin is needed to unlock access. Our joint accounts require my husband to give the rep his permission for them to help me! Ive done online banking since 2001 -- never had any problems like this. Ive read numerous complaints from others online. We are changing bank as soon as we can. Did our bills get paid for XX/XX/XXXX as usual? Nooo because I was locked out & website takes me in circles, with no resolution.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Contacted the company on several occasions company did not respond back told me I had to send in a letter to the CEO twice regarding the initial letter and then letting them know that I did n't receive a response 2 weeks after the initial letter was sent out XXXX XXXX 2017 and I sent out another letter 2 weeks after then I received a letter stating that they would not do a courtesy removal
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (SC)

The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company PROFESSIONAL DEBT MEDIATION to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XXXX XXXX, 2017, has not provided any response in over 30 days. An unverified debt that PDM has on file containing unconfirmed information associated with the consumer. The information PDM is reporting is therefore Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ].
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP (NY)

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 XXXX to reinvestigate these accounts : Account name : XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Account name : 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. Also 42 USC 408 states that asking for anyone 's social security number on any loan is fraud and a violation of RICO for double dipping.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (MA)

An impersonator of Santander bank called from their customer service number and had all my account and security information, moved {$8500.00} to my checking account from savings, and then took {$4400.00} from my account. Santander will not reimburse the funds because they are blaming me for authorizing this, even though I was fully convinced it was the real Santander due to the accurate information that was provided to me. 
This is an APP scam that should be refunded. My funds landed in XXXX XXXX  on a card with XXXX as the last 4 digits. They have all the transaction times dates and amounts and partial card number, chime is being negligent on this investigation. I don't understand why I can not get my money back.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

I made a mobile check deposit on X/X/2018 in the amount of {$890.00}. I paid a 2 percent fee ( {$17.00} ) for an " express deposit '' allowing the funds to clear immediately. PNC charged the {$17.00} but then still put a hold on the check. I called the next day and asked why and they said the check was flagged as fraudulent, even though I cashed checks from the same payer often and have never had any issues. The check cleared payers credit union within 18 hours, and payees credit union said check cleared normally. 
PNC claims XXXX held check, which is not true. XXXX XXXX XXXX paid check XX/XX/XXXX (  see screen shot of XXXX statement ). 

I am just asking for the refund of my " express deposit fee '' since I did not receive the " express deposit service ''. I paid for the funds to be available immediately but the funds were not. PNC admits this happened but is giving me the run around on a refund ( see screen shots of chat where they admit error and blame XXXX XXXX ). 
PNC at this point refuses to refund the {$17.00} fee. PNC has given me reference # XXXX as tracking for my complaint. Thank you.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

on XX/XX/24 ( day before XXXX ), my phone was stolen from me when i was home visiting my family. they immediately changed my apple id password, turned off track my iphone, and hacked into my Wells Fargo and XXXX XXXXXXXX account. I was able to buy a new phone and get my XXXX  XXXX card replaced, as well as i turned off my Wells Fargo account within the hour and ordered new cards/new account numbers, i flew home with no money or cars. Wells fargo did not end up turning off my card and the robbers were able to keep charging it at XXXX  and XXXX XXXX  they did not have my physical card so im assuming they used XXXX XXXX or my card numbers through my phone. wells fargo knew of this, ive been on the phone with them 10 times and opened up 3 fraud cases ( my credit card, debit card & savings account was all messed with and charged ). wells fargo has notified me that they have closed the case and are not refunding MY money back to my account. i have tried to get in touch with them multiple times, put in 3 manager called and they called me and hung up. i went into a physical branch, they said they can not help me and i have to call. they have not contacted me once for information ( i have police reports, statements from XXXX, etc ). i am looking to get my money back from wells fargo that was illegally stole from me. the total for purchases was {$1400.00} that came out of my account. wells fargo will not talk contact me. thank you. -XXXX  XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (VA)

I used an online system to close my Belk credit card account. There was not an issue with them closing my credit card account, but I discovered later in the day that they had run a hard report on my credit while I was attempting to close my account! This lowered my credit score because of the number of times my credit had been pulled in the last 3 months. Why did Belk ( Synchrony XXXX XXXX ) pull a hard credit report against me for closing my account with them? Even with this event, my credit score is exceptional at XXXX, but it was even higher prior to them hurting my credit for absolutely no reason.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I applied at XXXX XXXX XXXX XXXX and was denied opening an account. I was not given a reason instead I was sent a letter from XXXX XXXX XXXX in regard to account that I had with USAA which was closed by USAA without notice to me. The account status according to early warning is closed and no balances are or were owed upon the closing to the account. Since then my name and social have been submitted and I am unable to open a new account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help me.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (MD)

I the federally protect consumer XXXX XXXX has submitted complaint to Equifax for they're violation of my consumer rights. They haven't remove and deleted the requested accounts and I am requesting they're method of Verification pursuant The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Reporting these false information is in violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 602 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, and respect to the consumer 's right to privacy. Remove all information in the document attached or will be held civil and criminal liable for damages pursuant to Sec 616 of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

I purchased a XXXX  gift card from XXXXXXXX  a company of US Bank at XXXX grocery store. 

When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the XXXX at XXXX and the sid they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. 
They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. 
I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I have my Best Buy Store Credit Card Serviced by Citibank. I have had this card for more than 3 years and I have always had my automatic payments set up so I never miss a payment. This payment method has helped me keep an excellent record with all my credit cards and as of today I have a 100 % on-time payment history with all credit reporting bureaus. I have never missed a payment or paid late. On XX/XX/2022 I received an email from Best Buy/ Citibank telling me that I missed a payment and that I had a payment due. When I called the company they told me that my automatic payment was cancelled, something that I NEVER DID. They told me that there was anything they could do. As per as Supervisor my Automatic Payment was cancelled online, something that I never did, neither would I try to do so. No one other than me has access to my account online. I have no record that my automatic payment was cancelled, I never received and email or a phone call to let me know that my automatic payment was cancelled. This is an outrageous and irresponsible way to treat a customer. Now I have to pay the consequences of a malpractice that I was not responsible for. My credit history is impeccable. This action by y the company will damage my credit reputation when I do not deserve it.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.
Consumer complaint received 2018-01-08
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. (MI)

I received a call from " XXXX XXXX ''XX/XX/XXXX, The call entailed a man requesting a payment from me for a closed, pre-paid truck lease and in receipt of payment he would not damage my credit. 
This prepaid lease was a 24 month lease that ended XX/XX/XXXX and I do have a receipt from dealer and XXXX XXXX  of return of vehicle. 

He was willing to accept less if I paid 'NOW '' I then informed him that my contract was satisfied 6 months prior to his call and that no payment was due or owing. I just received informationXX/XX/XXXX, that my credit reports were updated to reflect missed payment? ( thats an impossibility ) This is my second compliant to the BBB about this company in less then a year now on two major issues. 

Desired Resolution : Correction to a credit report The Credit bureau reports that the last information added to XXXX XXXX was XX/XX/XXXX and sense that date someone added " missed payment 30-59 '' which just appeared on my report XX/XX/XXXX? How is that even possible?
Consumer complaint received 2017-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

In or around XX/XX/XXXX purchase a property for XXXX. 

violation of TILA and RESPA Forensic Audit CFPA violation Any and all XXXX transaction XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (DC)

Received a collection notice, but I am a victim of mortgage fraud, and have been out of my home for over a yer. Please see DC XXXX XXXX XXXX XXXX XXXX CA XXXX B and XXXX CA XXXX XXXX
Consumer complaint received 2020-07-09
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. (CA)

These ppl are XXXX  of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Ocwen loan servicing is the servicer of my loan. 
1. They refuse to talk to about anything. 
2. They refuse to send me any papers. 
3. They will not send me my statements4. They will not send payment statement. 
5. They will not return any letters or phone calls. 
6. They refuse to let me know what owed on loan. 
7. They refuse to let me know if they received my payments. 
8. They refuse to let me know what my payments are. 
9. They but forced insurance on this property when I have insurance on the property. They refused to take it off after 3 months of sending them proof and calling them over XXXX times. 
10. They double charged me for insurance. 
11. The only thing that they will say when I call, is that they were told not to talk or send anything to me due to I filed litigation against them. 
XXXX. I have over XXXX documented calls to Ocwen and copy 's of letters sent to prove this. 
I believe they are doing this because I filing a lawsuit and complaints against them in an unrelated mortgage that they are servicing for XXXX XXXX XXXX. ( Case, XXXX in XXXX County ). This has noting to do with this loan which is owned by you, XXXX. There is no reason for there conduct in the servicing of this loan. I have no complaints or lawsuits against you. I have not missed any mortgage payments. Its not in foreclosure. I want to make payments on time and have been making payments for the last 4 months not knowing what my payments are, and if they were even credited ect. 
I believe they are going to to try to foreclose on this loan even though I have proof of all of this, just like they illegally did on the loan with XXXX. This is the loan I filed the lawsuit on. This letter will be sent along with complaints to other agency 's including the press. 
The nation is in a foreclosure crisis and the courts are full of foreclosure cases. There is no excuse for this conduct by Ocwens loan servicing. They may cause this loan to go in foreclosure for no reason what so ever.