davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (TX)

My Dad purchased a refrigerator at the XXXX Store in XXXX, Texas, through XXXX ( aka Tempoe ) on Saturday, XX/XX/2019. I paid for half of the price from my debit card while he paid for the other half cash. This was the beginning of our problems. The refrigerator was supposed to have been delivered on XX/XX/2019, The delivery team was rude to my XXXX, XXXX  father, and never delivered the merchandise. On XX/XX/2019, I rushed my father to the emergency room where he was subsequently admitted into XXXX. On XX/XX/2019, prior to being XXXX, he gave verbal notification to XXXX that he would be cancelling the refrigerator. Sadly, he died on Saturday, XX/XX/2019. On Monday, XX/XX/2019, I went to XXXX and spoke to the manager to submit paperwork to XXXX  to inform them of his death and to have them process the refund in my name. The documentation was faxed while I was at the store office. I had been following up with XXXX, but, to no avail. From what " XXXX '', the district operations manager for Tempoe told me, documents received between Monday and Wednesday would yield a check release on the Friday of the same week. By his statement, the check should have been mailed to me on Friday, XX/XX/2019. For reasons unknown to me, XXXX did NOT process anything in the timely manner alleged and the check was allegedly mailed on Friday, XX/XX/2019. I have attempted to get the corporate telephone number to Tempoe to formally complain about the rude and insensitive manner in which I had been treated by " XXXX '' and XXXX/Tempoe. When I asked for the corporate number, XXXX would not provide it to me. Instead, he talked down at me and was quite rude. He kept giving me toll free numbers that wound up being answered by people who were not even in the United States. When I demanded the corporate telephone number, I was given what turned out to be a mobile phone contact. As of this writing, I have not received a refund.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I used B of A electronic banking to pay a B of A credit card bill of {$1000.00}. In paying the bill from my B of A checking account, their electronic banking system made three debits to my account for {$1000.00} ( totaling {$3200.00} ) when only the payment to the BofA credit card account should have been made. The banks representative apologized but said the wrongfully withdrawn funds would not be returned to my account for 10 days with no financial consideration for the loss of use of these funds. I asked to speak to a supervisor at B of A but was refused. The loss of the funds would have caused me to be delinquent on other payments had I not transferred addition funds into my B of A account.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IL)

XXXX XXXX XX/XX/year> I have a Macy 's American Express credit card through Citi Bank. I bank with the Department of the Treasury, which consolidated my credit cards and paid them off before the due dates. The Treasury sent each check directly to the company. All creditors received their checks via the XXXX XXXX that was given. All creditors updated my accounts as paid in full. My bank sent all checks out on XX/XX/year>. Each company had received and posted payments paid in full to my accounts by XX/XX/year>. I noticed the only company not posting to my account was Macy 's. I called Macy 's customer service to verify if they received the check. They said they had not. I continued to call each day, repeatedly explaining which XXXX XXXX the check was sent to. Customer service verified that the XXXX XXXX. XXXX was correct each time, and they had not received the payment. I was told by the representative to give it a few more days each day I called. I sent a copy of the XX/XX/year>, check that the Treasury sent to Macy 's XXXX XXXX XXXX along with the USPS tracking number to which the check was delivered. The check was delivered to the XXXX XXXX XXXX XX/XX/year>. After calling every day until XX/XX/year>, the Treasury Department Bank canceled the check from XX/XX/year>, and issued another check on XX/XX/year>. Macy 's customer service representative had given me a different XXXX XXXX to which the Treasury could send the check. 
On XX/XX/XXXX, my account was listed as paid in full for {$9400.00}. This was correct, and I was elated that this would reflect positively on my credit reports. 
My credit reports have been without late payments. I had excellent credit before this issue with Macy 's. I learned that Macy had reported me as 30 days late on the payment for the month of XXXX after trying to refinance my vehicle with my bank, the Treasury. The reason for not granting me a refinance was due to late payment reflected on my credit reports. My Macy 's payment was due on XX/XX/XXXX. I contacted Macy 's to dispute the XXXX payment they had reported to all three credit bureaus, and their response was to send them all the documents. I uploaded and sent the Treasury 's email and the XX/XX/year> check, along with the USPS tracking number and email detailing the payment delivered to their XXXX XXXX XXXX XX/XX/year>. I uploaded the XXXX check sent on XX/XX/year>, along with the USPS tracking number. Macy 's refuses to remove the XX/XX/year> late payment from all three credit bureaus. Macy 's is making it my fault they never checked the XXXX XXXX to retrieve the XX/XX/year> payment, which was the first check the Treasury Department sent them. Macy 's continues to send me emails stating the payment was posted. My dispute is about the reporting of 30 days late that they are reporting to all three bureaus. My dispute isn't about the {$9400.00} posting to my account. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MD)

On XX/XX/XXXX the XXXX XXXX enjoyed the SAVE program. I have been on the SAVE program since my REPAYE was converted to the SAVE program. In XXXX, my loan was put into the administrative forbearance and I have been unable to change to another program. I have made regular payments to my consolidated federal loan since XX/XX/XXXX. My current loan servicer is MOHELA. 

I sought to apply for a different IDR program as I am and have previously been employed at qualifying employment for the public services loan forgiveness program ( non-profit legal services and now the federal government ). With that, I was slated to make my XXXX payment in XX/XX/XXXX and wanted to continue on that path. However, if I may a payment it is unclear if it will count. So I wanted to apply for a different program, even if it mean paying more.

I called MOHELA and because I could not apply online. They stated they would accepted paper applications. I confirmed this with the XXXX XXXX XXXX XXXX. I have since sent XXXX paper applications and uploaded a paper application for a new payment plan and have received no response. 

Additionally, when I call there is no guidance on next steps. 

I want to make payments not only to keep working towards forgiveness but also because my current payment goes into the calculation for a debt to income ration for applying for a mortgage. Without a payment that I can prove I am making, I will be calculated to be paying more than I am, making me unable to qualify for a mortgage appropriately.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX is charging excessive amounts of late fees and interest, more than half of amount owed in fees and interest even though I stopped using the card more than 6 months ago the amount accumulating is outrageous
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XXXX XX/XX/XXXX : I contacted USAA to dispute their practice of burying a higher interest rate balance beneath a lower interest rate balance on my credit card in violation of the Credit Card Act of XXXX. USAA claims that because the balance was a cash advance, that they are not beholden to the rule of allowing consumers to pay off higher interest rate balances. USAA also opened a complaint for me XXXX.
Consumer complaint received 2024-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE EMPLOYEES CREDIT UNION (NC)

We asked for a forbearance because we were flooded. They extended us the forbearance until XXXX. When we called back at that time they said we would have to complete an application whether we resumed payment or got an extend. They sent an application in XXXX. The information was wrong on the application so we asked them to correct it so we would not look like we were falsifying the document. We never heard anything back concerning the application. When we did hear from them it was to say we didn't pay in XXXX and now everything from the beginning of the forbearance in XX/XX/year> was bow due. We let them know we were still put of the home and they asked us to send documentation. We were waiting on the company that was doing reconstruction on the home to send the break down of what we paid. Next thing we get letter telling us they denied it. When we called they said we could still communicate and it wasn't closed they just had to put something down because the inquiry couldn't stay open. We then asked someone at the company should we make payment in good faith. They said no wait until everything is over. We called again and found out we were in foreclosure and couldn't work anything out. When we spoke to someone else at the company would was in another department they told us they never extend for the current situation it would have to be something else. We just feel like if it would have been made clear from the beginning that nothing was going to change and just to make the payment we would have done that but nobody did. It appears that our home is an opportunity for the bank to take our home, sell it for more because it's newly renovated. It just is unethical and deceptive the way this whole situation handled.
Consumer complaint received 2023-04-11
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. (CA)

I am disputing inaccurate information that transunion is reporting ( Bankruptcy ). First they replied saying they're receiving information from the courts public documents and from XXXX I have already reached out to the courts and XXXX about this bankruptcy and XXXX was not able to validate this bankruptcy and has since deleted it from they records. I have submitted XXXX letter of deletion to transunion and they have not submitted proof of their verification. Due to section code 1681i if they can not show proper validation ( original contract, signature, ID etc it must be removed. The courts have also verified they do not report to the bureaus! I am in the process of buying my first home and this is greatly affecting me!
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

This is a repeat of complaint XXXX that I am submitting to address updated deadlines that are, once again, missed. 

I am a member of the XXXX v. XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/XXXX. Some loans were discharged in XX/XX/XXXX and refunded in XX/XX/XXXX, over three months late. 

Mohela and the Department of Education were given an extension to address any outstanding loans by XX/XX/XXXX. I have two consolidated federal loans, totaling {$20000.00}, that are a part of this settlement class that has neither been discharged nor refunded. 

On XX/XX/XXXX, the parties in XXXX XXXX 's courtroom confirmed that all loans would be discharged by this time and refund checks would be " in the mail. '' I have multiple " escalated '' tickets with Mohela and the Department of Education 's Borrower 's Defense teams. 

I remain unclear as to why and how Mohela can ignore the direction of a Federal Judge. I am also unclear as to why consumers face financial penalties for late payments, and Mohela does not. 

I anticipate a response from Mohela that they do not have the necessary information from the Department of Education, Borrowers Defense. While I believe this to be true, I have no indication of the proactive management of my accounts. Mohela 's passive management is to their benefit and my expense. 

Further, Mohela continues to direct me to facilitate communication between Mohela and the Department of Education. I have done this work in an effort to conclude this financial ordeal. It is at the cost of a significant amount of my time and energy. Why is Mohela paid to manage my accounts when they outsource their labor to me?
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PR)

Citi ( the Company ) is charging interest rates in 0 % APR period on purchases.

I am requesting the agency to assume jurisdiction ; I want a reimbursement on the interest charged without consent during the 0 % APR period.
Consumer complaint received 2023-07-21
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Advance America, Cash Advance Centers, Inc. (WI)

Got a letter from Advance America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX The letter states that I, XXXX XXXX had open a installment loan for {$1000.00} on XXXX/XXXX/2024. I never even know what or who Advane America is, this loan is identify theft. 
I froze my credit after this already. I look at all 3 credit burea and there is no Inquires about this loan. This loan looks fake doesn't even look real, the interest rate on this is 231.85 % which is ridiculous. I can not tell if this company is the theft itself. I need them to close this account because I never open it. I never provide them my ID or SSN. I call there phone number at XXXX and they told me to report to FTC.gov which is why I'm on here.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

Us bank said that I deposited and cashed a check. I did not physically do anything. Again, I am in jail fighting for my rights. They also said they listened to a representative on the phone and they acted accordingly. That is a lie because I did not physically speak to anyone at US bank either. Us bank needs to prove the check belonged to me and made out to me and that I cashed it. They also need to provide me with transcripts of the conversation they claimed they had between me and a representative. Again, us bank is in violation of my rights and needs to remove me from XXXX XXXX. You need to investigate who actually sent the check. Thank you.
Consumer complaint received 2023-10-31
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. (NJ)

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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX.. XXXXXXXX XXXX.. Account Name XXXX XXXXXXXX XXXX XXXX.. Account Name... Experian XXXX XXXX... 
15 u.s.c 1681 section 602 A. states I have the right to privacy...

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (CO)

On Friday at approximately XXXX, I went through the drive-through at Huntington Bank, located at XXXX XXXX XXXX XXXX , XXXX XXXX, CO XXXX and deposited {$2000.00} in my checking account. When I pulled up and stated I wanted to make a deposit, the teller, who was XXXX, asked how much money was there. I stated XXXX XXXX dollars. I made the deposit, stuck my receipt in my wallet and drove away. The next morning, I was looking at my bank account online and realized there was not enough money in there. I looked for the deposit I had made and saw that it showed {$1000.00} had been deposited. I then went to check the receipt in my wallet, which also showed only {$1000.00} had been deposited. I called and filed a complaint with Huntington Bank. The woman on the phone gave me the Case # : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FinCo Services Inc DBA Current (AZ)

I logged in to pay a utility bill, and got a message saying " an error occurred. something went wrong. '' It has been saying that for XXXX hours and I need the money now. 
I called the number on the back of their card, and was told " don't worry. '' I got decently upset and asked more questions and for a manager. I was told that if i send a screen shot that " maybe '' she can escalate the issue. I asked when that will get it fixed and she said " maybe '' in XXXX hours but she doesn't know. 
Put me on hold, and after XXXX minutes disconnected me.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

Subject : Material Breach of Contract - Arbitration Agreement Dear Wells Fargo, I am writing to address a serious concern regarding the material breach of contract committed by Wells Fargo Bank , N.A . ( " Wells Fargo '' ) concerning our binding arbitration agreement. 
In 2023, I engaged in arbitration with Wells Fargo pursuant to the arbitration clause included in our credit agreement. This agreement explicitly stated that any disputes would be resolved through arbitration administered by the American Arbitration Association ( AAA ) and governed by the Federal Arbitration Act. 
Despite having gone through arbitration, I have recently become aware that Wells Fargo has taken actions that contradict the terms and spirit of our arbitration agreement. These actions have caused significant harm to me, including damage to my credit score, emotional distress, and potential exposure to unfair collection practices. 
Wells Fargo 's disregard for the arbitration agreement, which we previously adhered to, and its subsequent decisions regarding my account, have directly resulted in these damages. These actions represent a material breach of the agreement we reached in arbitration. 
Moreover, I have recently encountered collection attempts related to the alleged debt that Wells Fargo had previously agreed to address in arbitration. This not only violates our arbitration agreement but also raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits entities from engaging in unfair, deceptive, or abusive practices. 
Given that this matter has already been through arbitration, Wells Fargos actions are particularly egregious. To resolve this situation, I demand the following : Wells Fargo must immediately cease all collection efforts related to the account in question and honor the binding arbitration agreement that was previously upheld. 
Wells Fargo must compensate me for the substantial damages caused by its breach of contract, including but not limited to, any legal fees incurred, emotional distress, and further harm to my credit score.

Wells Fargo must provide written confirmation within 5 days of receipt of this letter that it will honor the arbitration agreement, cease all collection efforts, and compensate me for damages. 
If I do not receive a satisfactory response within 30 days of the date of this letter, I will have no choice but to proceed with filing a claim against Wells Fargo to enforce the arbitration agreement and address this material breach of contract. This claim will seek all available remedies for the significant damages caused by Wells Fargos actions, in accordance with the arbitration clause and our prior arbitration proceedings. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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.