davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (MA)

I have been a Foreclosure Prevention XXXX with a Nonprofit, HUD XXXX XXXX for over XXXX years. I have been trying to assist my client since XX/XX/2016 who clearly qualifies for XXXX. The servicer, Fay Servicing, has done nothing but put my client in a situation where they will lose their home. Fay Servicing acknowledges the investor on the loan participates in XXXX, but Fay Servicing refuses to communicate how they calculated the client 's income to state the borrower does not qualify for XXXX. XXXX XXXX has verbally communicated with me that the loan was approved for an " In House XXXX XXXX '' which will be almost $ XXXX more than the current payment. Fay Servicing then forwarded a XXXX letter dated XXXX, to the borrower stating the borrower must respond on XXXX, yet the borrower received the letter on the XX/XX/XXXX BUT the letter does not include any information about the Trial Period Plan whatsoever!. Therefore, what is he agreeing to??!!! I just now called Fay Servicing and although I was verified as third party authorized on the account by the woman that answered the phone, I am now being told by the supervisor, XXXX I am not authorized on the account! I have been told that they will not answer my questions yet they will not give the homeowner anything in writing. This is an unbelievable situation that the homeowner has been put in!
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXXXXXX 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 EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

XXXX hit and I was paying a lot down on my student loans. Then the XXXX XXXX announced forgiveness and I was eligible, so I requested a refund of {$14000.00} ( the amount I had paid in during COVID ) which bumped my balance to {$19000.00}. This is what my account showed at that time after the refund settled. 

When I requested my student loan refund they sent me like one check for each payment I had made in the mail. I cashed these checks and all was well. A week later I got another set of checks identical to the first. I did not cash these checks and Nelnet called me almost immediately and said " Hi { my name }, we sent you duplicate checks in error. Please destroy these checks and confirm they have been destroyed. '' I complied and gave confirmation to them. 

Then about a month later I got a letter in the mail saying " Send us the duplicated checks back or else we will be forced to add that amount back to your account ''. I had an hour phone call with them explaining the situation and telling them that they had already called and told me to destroy the checks myself. After this they agreed that I was good to go and that the balance would not get added to my account. 

Fast forward to today when I logged in and the balance was added to my account, now saying I owe over {$34000.00} when it should have been {$19000.00}. 

Apparently their error in sending me those checks caused them to add that amount to my account since they never got them back. They told me to destroy them. This may be hurting my XXXX XXXX in the interim since it's showing an additional $ XXXX needing payment. 

Now when interest starts accruing I'm going to be paying interest on this money that was added to my account in error by Nelnet. 

Additionally this has added lots of undue stress on me when them having some sort of process to catch this error on their end would have prevented this situation.
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Credit Audit, Inc. (PA)

I have a case where I was sued in XXXX and the original creditor debt collecting attorney won. They won XXXX and XXXX but in turn I sued there attorney and won XXXX for him violating the fdcpa. The original attorney never came to collect the balance.It was from XXXX. Now central credit added fees to it and the original creditor was only aloud interest and attorney fee. I disputed there attorney fees. Central credit added items past the statue of limitations on there and they collected it from settlement oy home.Theycollected items not included in the lawsuit that was past the statue of limitations, the attorney for the original creditor was sued due to the items that was there. Now central credit added those items back to it that was past the statue back in XXXX and now added over XXXX in collection fees that was not part of the lawsuit and I refuse to pay there attorney due to the contract was broken when he violated the law. And I was wondering if you may be able to help with this. I also from XXXXnever delt with central credit, never got any letters for them to add fees is unjust. I requested the original creditor to send me information that they are collecting an they refused. Also they were awarded from the second quarter of XXXX And central credit was paid that and added items that was in violation from the attorney to it. They collected more then the contract from the lawsuit illegally, refused me of my rights, items past the statue of limitations that was sued over by the fight debt collector attorney and added there own fees that was never in the court document. Never sent me anything after XXXX. The original attorney was uSed and never contacted me again after he was sued. I have that proff and proof they was XXXX and XXXX only. And I will not cover there attorney fee due to the violation. central credit statement shows items not to be on there.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

My company sends {$150.00} per month to my student loan servicer through XXXXXXXX XXXX has sent payments in XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Only XX/XX/2023 and XX/XX/2023 have been applied to my account. I called EdFinancial in XX/XX/2023 because payments had not shown up at that time. They asked me to wait another 30 days. After 30 days, XXXX and XXXX payments were applied. I called EdFinancial in XXXX and was told to wait another 30 days. I called EdFinancial today XXXX, and was told that XXXX was not sending payments. I have email confirmation that payments were sent in XXXX, XXXX, XXXX, XXXX and XXXX. EdFinancial is receiving these payments and not applying them to my account. Each time I speak with an EdFinancial service representative, they ask me to call at a later date. No one will help me.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

This has been going on since XXXX of 2023 I was robbed by someone they took every thing I had and left me destitute I reported this to chime who refused to refund me I filed with the XXXX and they still lied and refused to refund my money while they continue to falsely report a {$6700.00} balance to the credit company every month and it's destroying my credit score I reported over {$10000.00} in stolon money amd they will not reimburse my money instead they closed off my access to my account and continue to falsely report to all the credit bureaus I really need you to step in and make this company give my money back and stop there false reporting of my account.
Consumer complaint received 2023-08-09
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: MOHELA (DE)

Please correct my inquires to remove from my credit report. I have had numerous identity theft, data breach and non-verified accounts. Please see attached detailed letter. This is also for incorrect payment history on my student loans. This is just a mess to my entire financial wellbeing. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized. 
your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any suc document is immediately mailed to my address listed above so that I may review.

it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX and Transunion said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it
Consumer complaint received 2023-08-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA (CA)

they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my XXXX XXXX XXXX, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA, XXXX phone number : XXXX organization : they have XXXX step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out
Consumer complaint received 2018-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Navient withdrew an unauthorized payment from my bank account on XX/XX/2018. I did NOT authorize this payment and I certainly did NOT authorize it to be taken automatically. They did not withdraw this amount in the month before, so Im confused as to why they withdrew for XX/XX/XXXX. This is not the first time this has happened.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

On XX/XX/XXXX, an authorized party accessed my account with Chime ( XXXX ). The party disabled alerts and changed my email and phone number. After alerts were disabled, the unauthorized party transferred around XXXX out of my savings account into a checking and a secure credit card account. Both accounts were emptied via cash app transactions. My account was taken for over {$23000.00} in a few hours. I realized the issue the following day and reported it to my bank. They said they would file disputes for all charges and follow up by email. The disputes were filed but no communication from the bank. I have called multiple times a day for almost a week to try to get my account repaired and funds returned. This is a clear case of fraud. As requested, I have sent copies of the emails showing the unauthorized party entered my account around XXXX XXXX on XXXX. I have provided a fraud case number from XXXX XXXX. I do not have a XXXX XXXX account and did not authorize anyone to remove funds from my bank account. 

Today, I received a notification that all my disputes were closed and that I would receive {$600.00} back on 28 disputes. I filed over 600 disputes last week for over {$23000.00}. No one can tell me where the other 570+ disputes went or the almost {$23000.00} still missing went. They keep bouncing me between departments. Every agent 's answer is you need to member services or you need to speak with the dispute team. Don't even get me started on the online chat support. I went through 9 agents before someone got me to a supervisor. They had " technical issues '' and dumped me on another person. I used to love Chime but this is awful. I spend hours everyday trying to get them to help me and all their agent do is read scripts to me. Please help me!!!
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

On XX/XX/XXXX I submitted my employment verification forms for my PSLF forgiveness. After speaking with a customer service rep, I was told it would take up to 30 days to process and apply the paperwork. After 30 days have passed, I called to check on the status and was then told it could be up to 90 days and that they would get to my account/paperwork when they could. This is unacceptable as the deadline for resuming payments and interest are quickly approaching.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TN)

I need my final official letter showing I qualified for PSLF! I have been in the PSLF program since XXXX. I submitted my final PSLF form on XX/XX/XXXX. On XX/XX/XXXX my loans were showing a XXXX balance on the Mohela website. On XX/XX/XXXX my account on Federal Student Aid had a XXXX balance and in early XXXX my credit reports showed my loans as " paid in full '' with a XXXX balance back dated to XX/XX/XXXX. As of the writing of this complaint I still do not have a letter showing my employment by employer with the associated number of qualifying payments. I also do not have the official congratulations letter that states I qualified for Public Service Loan Forgiveness and my loans were forgiven because I qualified for PSLF. I need the official documentation that proves I qualified for PSLF and my loans were forgiven through PSLF. I have emailed 4 times and called twice regarding this matter and am still being told to wait due to a " glitch. '' Today I got a response to my most recent complaint that states : " Thank you for contacting MOHELA. We sincerely apologize for any inconvenience, we are currently working on generating those letters. As soon as it is available we will send it out to you. " It has now been neatly 3 months since my account XXXX. I need my letter!
Consumer complaint received 2020-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (OR)

We asked, and presumably, received a pandemic forbearance XX/XX/2020. We paid principle and escrow, yet the lender, Caliber Home Loans would not send us performance information. Such what was applying to the loan and what we needed to do. In XXXX, we asked how we needed to catch-up, and received no reply. We lost about {$10000.00} of income because the COVID 19. We began to make larger payments then received an offer for a loan to cover the arrears. This loan, by the way, was a similar amount to excessive escrow we'd accumulated with our previous lender. Escrow we've asked about since it was part of a Lender Credit in the new loan. Now, the lender Caliber Home Loans has placed us in collections. We've called, forty minutes one day, twenty-five another on hold telling us of unusual wait times. Now we can not access our account saying we can NO longer make payment over the phone, etc. Our bank records show all the money we've sent has been cashed, etc. A payment of {$800.00} was recently sent and may not have reached their remote processing center.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My student loans were transitioned to Mohela about 6 weeks ago as part of PSLF planning. Prior to this transition, I had a XXXX dollar repayment in place on my IDR plan prior to COVID forbearance. Previously, my date for recertification of income was XX/XX/XXXX, which given the last adjustments to forbearance end date and Studentaid.gov policy, should have been extended to XX/XX/XXXX. 

When Mohela took over my loans, they removed these remaining months on my IDR repayment and have listed me for a monthly payment of over XXXX dollars. I called to have this reviewed and adjusted on XX/XX/XXXX. After being repeatedly told, incorrectly, I would need to refile an IDR application, I spoke to a manager and was told they understood the issue and had seen this mistake made with other borrowers. They said it should not be a problem to fix. However, after 3 weeks I still did not hear anything and my account was not adjusted. 
I called again on XX/XX/XXXX and was told the request was still open and they attempted to expedite this. I was given a reference number by Mohela for this issue of XXXX. I was told it should be resolved by the end of last week. However, this did not happen. 

I called again yesterday XX/XX/XXXX and was told the request was still open with no updates. I was able to speak to an escalation agent who told me they can not confirm anything will be fixed and would look into the issue. They said they emailed management as part of the reason for the issue is my loans are currently under 2 separate plans ( REPAYE/SAVE and Graduated Repayment ), despite studentaid.gov guidelines saying borrowers should not have different plans for different loans. The escalation agent, XXXX, said she could expect more information for me in another 7-14 business days. 

This would take me to XX/XX/XXXX at which point forbearance will be ending and I am very scared I will be billed incorrectly for over XXXX dollars next month.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

On XX/XX/XXXX I was locked out of my Chime account. I tried for over an hour to get into my account without being able to. A number popped up at the bottom of my screen and asked do I wish to call I said yes. The person asked what my problem was I identified my issue and he identified himself as chime support and began to get me into my account. After I was able to see my account he began to get me to transfer funds to two individuals which he said was to verify identity and make sure it was my account. Then my money just kept coming out to a grand total of XXXX approximately. The call was then disconnected. I notified chime and initiated disputing charges. They say they didnt find any fraud. I asked to reopen dispute but show no evidence of reopening
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

I had money in my account plus IRS deposits of {$1200.00} and {$5600.00}. I went to prison in XX/XX/XXXX and remained in custody until XX/XX/XXXX. in XXXX of XXXX my federal investigator retrieved my phone and wallet from my federal probation officer, which is when I became aware that my account had been fraudulently used. The investigator contacted chime by email several times and explained the situation, to which they stated they were sorry about the fraudulent activity but needed a power of attourney from her. This wasn't possible at the time. Since me release I have contacted chime and provided all the emails from the investigator along with documents from the sentencing judge stating my incarceration and length aswell as documents from the federal halfway house I am still in and a police report that I could only file once i got out, that states I was a crime victim of fraud. Chime has declined my fraud claim 4 times stating they found no error. There are a total of XXXX transactions amounting to over {$8100.00} according to chime Bank.