davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (DE)

I submitted my income during repayment ( IDR ) application on studentaid.gov in XX/XX/XXXX. It was then processed by studentaid.gov in 2 weeks and sent over to MOHELA for processing. I received two letters from Mohela the first stated that my form was received and the second stated that I was placed on the SAVE plan with a monthly amount that I would pay. Since that time I have been removed from the SAVE plan, my selected payment plan ( which was in effect throughout the payment pause ) the repaye plan, and placed on the level plan. This was done without my knowledge or consent and without my IDR being calculated. I have contacted mohela multiple times to inquire why I was placed on the level plan and not kept on the repaye plan, so that I would have a repayment amount that would be affordable. All of the representatives I spoke to confirm that I was on the repay plan, and they were not aware of why I was taken off of this payment plan and placed on the level plan. None of the people I have spoken to, which include a supervisor were able to answer my questions. They were not able to give me an accurate timeline for when my IDR would be calculated. I have received multiple letters from Mohela with conflicting information and new processing dates.It has been almost 6 months and now I received a bill stating that I will have to pay over {$5000.00} a month starting XX/XX/XXXXXXXX XXXX XXXX 
I explained to the supervisor that I spoke with that {$5000.00} was outside of my ability to repay, and I requested that my IDR calculation would be fast tracked and that my account be placed into administrative forbearance. She stated that she was not able to do either. I inquired why I was not placed in administrative forbearance, as it was MOHELAs responsibility to calculate my IDR within the timeline that they said, for, after it was submitted to them by studentaid.gov. She was not able to answer that question. 

Im currently on the public service loan forgiveness program ( PSLF ) And these months that I have not been able to pay, do not count towards my public service loan forgiveness payment counts. MOHELA is refusing to place me on administrative forbearance while they calculate my repayment amount under the safe plan that I applied for. I have lost six months worth of payments, and now my public service loan forgiveness timeline has been pushed back six months. I am being punished for their inability to complete the tasks that have been set for by the federal government. I work as a XXXX XXXX XXXX, and this whole situation has caused a lot of mental anguish, frustration, and fear. I chose to XXXX XXXX because I wanted to help my community and now this whole situation is making me rethink working as a public servant, and as a XXXX XXXX XXXX in my community. I want to pay my loans back, but I would like mohela to allow me to do so in a way that doesnt financially burden me and cause me undue stress. Please help me Im not sure what to do at this point.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

Mohela is THE most incompetent company I have ever had the displeasure of dealing with. 

1. Some phone numbers listed on the contact us aren't even correct : XXXX - what even is this? Why was a woman trying to tell me I qualified for a device in case I fell and needed help? I hung up. ( And yes I triple checked to be sure I dialed the correct numbers ). 

2. Once you find the correct number to call, you are forced to listen to an obnoxiously long automated voice without ever giving an option of speaking to a representative. You have to select a number that doesn't apply to you, just to listen to more nonsense, before suddenly being transferred. The wait time is ASTRONOMICAL. 

3. THE INFORMATION IS DIFFERENT DEPENDING ON WHO YOU SPEAK TO. I do not need to explain how wrong that is. 

4. Most people are in training, and no one who can actually help is ever available. I was on hold for over 40 mins and had to hang up before I got to speak to the " senior representative '' who was going to talk to me about forbearance while await PSLF to go through. No one has time to be on hold for that long, especially without the option of a call back. 

5. The customer 's account page is a joke : a. why would my account say I'm in " good standing '' when really it just means my consolidation hasn't gone through? b. why would all my balances say {$0.00} when really it means my consolidation hasn't gone through? c. WHY ISN'T THERE A NOTICE ON MY ACCOUNT THAT EXPLAINS ALL OF THESE THINGS RATHER THAN FORCING ME TO CALL AND SUFFER THROUGH THE MOHELA EXPERIENCE TO HAVE A REP WHO IS MOST LIKELY IN TRAINING TRY TO EXPLAIN IT ALL? d. why does my IDR consolidation application say " canceled '' on my documents received page when in fact it means it was " manually processed '' WHY DOESN'T IT JUST SAY " PROCESSED ''? 

6. It takes way to long for someone to respond to a message- about a full month or longer in some cases. 

7. No one is reaching out to customers to share one time account adjustment info. If you happen to suffer through calling Mohela and actually getting to speak to a minimally competent representative, ( and if you're lucky - like I was ) you may be told that your remaining loans that you were always told weren't eligible for PSLF ( or they would be but would start back at XXXX ), actually are now if they're consolidated. I took it upon myself to tell other borrowers I know all this. They looked at me like I was crazy bc WHY HADN'T THEY HEARD ABOUT THIS FROM PROFESSIONALS? 

It's really not difficult to have accounts accurately reflect what is happening for the customer. The need better ACCURATE COMMUNICATION : " hey, we saw you applied for consolidation - here 's what's going to happen to your account in the meanwhile... ''
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC (MA)

I was called about transaction that were returned to my bank account. These were from XXXX XXXX XXXX XXXX, why they were returned was unknown. They stated that the charges didnt go through even though I held the proper balance in my account for 48 hours plus. I payed the debt and have a receipt from their email, I was told this covered the two transactions in question, and the only two that were of issue. I got a call the following day from the same company multiple times, including emails as well. After explaining I paid, having the receipt, and having the verbal confirmation that my debt was payed in full. They said I owed them more money, even though I was charged more than what the two transactions were worth in the first place ( one was {$17.00} and change as well as {$25.00} and change, I payed {$52.00} which can be seen in the receipt )
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

About {$20000.00} in cash advances without there even being enough to pay current outstanding debt. 

How can financial companies expect people to trade narrow money 11x to solve the debt? 
I have submitted another complaint for XXXX 's threaten to sue, but my lenders are still accruing interest before an eleventh of the outstanding debt is even paid with the existing lot of money ... That's impossible and the unforeseen circumstance is the Federal Reserve not keeping up. Otherwise the acuquiecense to the impossible debt-contract under duress is based upon the unrequited consent of the borrower 's employer or customer. If your agency really protects people financially you would consider invoice speculation and credit intervention abuse, automatically rendering it void because it is impossible without the Federal Reserve printing against or garnishment from savers without their consent.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IL)

I recently attempted to purchase new car insurance and was notified of an adverse claim record being reported by LexisNexisXXXX. 

Ive emailed and called XXXX to discuss the inaccurate claim history, however the rep will not share any information after identifying myself and will not update their record.
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I made an original purchase in XXXX, 2023 of one dishwasher. I used my Lowes credit card to receive the discount. The first statement showed a purchase of 3 dishwashers. I have been back and forth with Synchrony, Lowes management all the while being told my dispute was resolved. I continue to get statements showing I have a balance. I paid off the one dishwasher I initially purchased.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One purchased my account from another company and then claimed that I made a late payment with them, but I did not have this account with Capital One at the time they are reporting a late payment. Now that I have disputed this account, they have reported a disagreement code with a resolution of dispute to all of the credit bureaus without my permission. This has blemished my credit report further.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$140.00} DATE XX/XX/XXXX and XX/XX/XXXX reporting miss payment XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XX/XX/XXXX XXXX account XXXX {$1500.00} Transworld System Inc. XX/XX/XXXX, XXXX {$1800.00} I have made more the one complaints against XXXX AND XXXX prior to this letter. I am holding the accountable for violating the following code of the Fair Credit Reporting Act. 
15 U.S.CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORT They did not get my written permission, nor did I give authorization this a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat. 146 ) states that any agency can only get your report in response to a request by the head of the state or local child support enforcement agency ( or a state or local government official authorized by the head of such an agency 12CFR 1022.3 DEFINITIONS anything added to my/ your reporting without your consent can be considered identity theft.

I wish to enforce 15 U.S.C 1681C block of information resulting from identity theft, I will provide the appropriate proof of my identity along with a copy of the XXXX REPORT. 
and also, The Privacy act of XXXX ( 5 U.S CODE 552a ) XXXX AND XXXX are a consumer reporting agency and I am a consumer, I have the right to make sure is not shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's nonpublic personal information, " Furnisher of information to the credit agencies is a financial institution by definition under the title. 15 USC 1681 SEC 604 A SECTION 2 states that " In general subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer of which it relates. " FURNISHER OF INFORMATION TO CREDT AGENCIES ) the financial institution and the reporting agencies, XXXX and XXXX do not have my consent to furnish this information and they do not have written consent. 
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

Monthly payment changes- says I have to pay $ XXXX a month. When I spoke to a representative on the phone, they stated my monthly payment should only be closer to {$200.00} a month. 

On top of that, interest started and they didnt bother to notify it would be starting back up. 

PLUS everytime I try to renew my XXXX, somehow my documents dont get submitted when I was approved the first time Ive applied. My employment is federal, and I should have my payments approved for XXXX.
Consumer complaint received 2021-11-29
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. (UT)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been trying to get Equifax and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. Created Online account 2. Sent money to said account ( nearly XXXX ) 3. Account locked.

4. Went to bank, explained. They said, call.

5. Called. Was told online account has been reset. To Pick a new Username. BUT your temporary password will come in the mail in 3-5 business days. 
6. Nothing came 7. On the 6th business day, a letter came informing me my account has been closed due to lack of verification. 
8. Immediately head to bank to get my money and agree to closing my account. ( At this time I dont want to bank with you already ) 9. Your money has already been sent in the mail via check, and will arrive in 7-10 days. 

This is two full weeks, I havent had access to my student loans, because Bank of America doesnt know how to protect their customers. 


If there was any actual concern, ANY follow up email after the temporary password email would be informative and helpful.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (NY)

On XX/XX/23 I had {$0.00} transferred out of my Discover high-yield savings account. The transaction was titled " ACH Withdrawal XXXX XXXX XXXX ''. The following day on XX/XX/23, {$9900.00} was transferred out ; transaction tiled " XXXX XXXX XXXX XXXX XXXX XXXX ''. I authorized neither of these withdrawals ; they were not made by me and the money was not deposited into either of my XXXX XXXX accounts. I contacted Discover to report the fraudulent charge. They closed the compromised account ( Acct # XXXX ) and opened a new high-yield savings account for me. They transferred the remaining funds and the {$9900.00} into this new account ( Acct # XXXX ) ; the date of this was XX/XX/23. I returned a written statement back to Discover and was told this was taken care of and no further action was needed on my part. 
On XX/XX/23 Discover took back {$9900.00} from the new account - the transaction was titled " Reverse Disputed Item ''. They are claiming that they did not have enough information to prove that the initial transaction was fraudulent and closed the case ( Discover Case # XXXX ). I was told that in order to re-open the case I'd have to submit supporting documentation and file a police report. I was never notified via email or phone of ANY of these instances. They did not inform me of the initial fraudulent account withdrawal or of them withdrawing the funds they had given back to me. I'm trying to file a police report, but I was told I need full documentation of Discover 's investigation into this case. Discover is not releasing those documents to me I've attached statements from my XXXX bank accounts to prove the money was never transferred to me. I included statements from the initial Discover account and the new account showing the money being taken back
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I am re-paying federal student loans using the PSLF program. This program requires income recertification yearly. This recertification was put on pause during the pandemic along with the monthly payment, which had been in forbearance. Beginning XX/XX/XXXX, the payment pause ended and the stipulation that income recertification would restart XX/XX/XXXX unless your assigned recertification date fell prior to XX/XX/XXXX. People with recertification dates prior to XX/XX/XXXX would have their date extended by 1 year. 

For example, my recertification date was XX/XX/XXXX. This date is prior to XX/XX/XXXX and therefore per the FSA website the date should be extended to XX/XX/XXXX. 

The loan company MOHELA was contacted on XX/XX/XXXX and agreed the date should be extended to XXXX. The MOHELA representative stated this would be corrected in 2-3 days. It was not. MOHELA was recontacted on XX/XX/XXXX, they again agreed the date should be extended to XXXX but reported this takes XXXX business days. The date was not changed. MOHELA was again contacted on XX/XX/XXXX at which time the MOHELA representative reported MOHELA was unable to change dates and reported the Federal Student Aid office would have to change the date. All phone numbers provided to this office reach an automated message that disconnects at the end of the message. Live chatting was attempted with a representative from this office ( Federal Student Aid office ) on XX/XX/XXXX however they reported I should contact MOHELA and provided no further assistance. 

To this point it seems the program is violating its own terms with no accountable party. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (TX)

I was given a title loan of XXXX on a cash car that is valued at XXXX. The intrest rate, which was not discussed with me at the time I signed the loan is 400 % which makes the loan amount I must payback 3 times as much as the car. This is a subprime loan and they are trying to steal my car by proxy.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

My loans were previously with XXXX and were transferred to Mohela when XXXX stopped servicing student loan accounts. Everything was ok until I recently incurred about missing pay statements for XX/XX/XXXX ( XX/XX/XXXX is also missing ). I was emailed  that those payments had not be loaded but I would not receive credit toward PSLF because I was in XXXX  XXXX bankruptcy. I inquired about this in XXXX by filing a complaint through this platform and was advised certain language had to be included. My attorney then filed a motion to add that language to the bankruptcy. I was allowed to participate In PSLF after paying almost {$700.00} to add that language. Now Mohela is saying I can not participate in the PSLF program because I'm in bankruptcy. I am only 4 payments away from forgiveness. This is not ethical.