davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I have paid off all my federal student loans in full. According to the Administrative Forbearance ( Payment Pause ), I am able to get some of my payments refunded that were made on/after XX/XX/XXXX. I selected 3 payments from my payment history made after XX/XX/XXXX that I wanted a refund for. The 3 payments, amounts, and their effective dates are listed below. 

XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3700.00} XXXX : {$10000.00} I called Mohela on XX/XX/XXXX and requested a refund for those XXXX payments that were made after XX/XX/XXXX. I was on hold for about XXXX hours and the lady I spoke to assured me that the refunds were submitted. In addition, she said my refund will be processed in 60 days and the balance would update on my Mohela homepage. 

After about 30 days, I called Mohela back and spoke to another customer service agent to make sure my refund payments were processing. She told me that they were and to wait out the full 60 days. 

It has now been 60 days and I have not received any refund or had any loans reinstated on Mohela. I have tried to call Mohela and their customer service wait times are insanely long where no one picks up. I have also tried to email them and no response from that as well.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Cap total one/Walmart for XXXX dollars someone used my identity and they never paid it. I never applied for it. Its in my credit and I want it off. This is not my card please help me I cant get a house bc of this for 60 years. If its not off I will sue.
Consumer complaint received 2022-04-07
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. (CA)

Upon viewing my Credit Report I noticed several inaccuracies. So I filed a Police Report with the XXXX XXXX Police Dept. on the date of ( XXXX ) Report XXXX : XXXX. I attached this report with disputes & sent them to the credit bureaus ( Equifax, XXXX, XXXX XXXX ). Unfortunately I have yet to receive a response. 

In accordance with the Fair Credit Reporting Agency Act U.S.C. 1681 & Fair Debt Practices Act 15 u.S.C. 1692 ( XXXX XXXX XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1692 section 805A states : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place, or time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 section 806 section 5 XXXX a phone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I used to have insurance with progressive and then I got a cheaper rate so I cancelled them but the didnt canceled and kept it on and called multiple times to get it turned off but they never did and now they are charging me for something I didnt want. They are charging a lot of people for wrong reasons. Firstly they said I owed them {$1000.00} and then when I called disputed that they still charged me this amount.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : US SM BUS ADMIN ODA Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2017-09-21
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: World Omni Financial Corp. (GA)

I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

My Dispute is for not receiving services listed below : -- One Night at the Hotel in XXXX {$730.00} for Friday XX/XX/2018. 
-- Transportation to the Hotel {$170.00} for Friday XX/XX/2018. 
-- Private City Tour of XXXX {$220.00} for Friday XX/XX/2018. 
-- XXXX XXXX Private Tour {$150.00} for Friday XX/XX/2018. 
Grand Total of {$1200.00} Reason for not receiving the services was that XXXX cancelled the flight from XXXX to XXXX for mechanical reasons. 
I started the process for the of the refund thru XXXX XXXX, I was told by XXXX XXXX that I needed to request the refund thru XXXX, which I did, I requested the refund and was told by XXXX that since i didn't purchase the ticket directly thru them but it was done thru a 3rd party I needed to go thru XXXX XXXX, I went back to them and was told that they will not refund me. 
I then started a dispute with my credit card Chase Visa for the charges, the Credit Card Dispute Department closed my dispute saying that the vendor stated that I did receive the services which is not true but my Credit card closed the dispute after several attempts by me to reopen the dispute.
Consumer complaint received 2023-02-08
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In the month of XXXX I became a victim of fraudulent transactions. These unauthorized transactions were placed onto my checking account with Wells Fargo. Usually notifications of all transactions are immediately sent to my phone, but for these transactions no alert was sent at all. I called Wells Fargo to dispute these transactions which totalled {$1000.00} dollars. I asked why was I not sent any alerts on these transactions and they could not explain why, but they provided a temporary credit to my account until the investigation was complete. I declared that I did not authorize those transactions and thought my account would be protected, but I was let down. My bank sent notice when the investigation was complete stating I authorized those transactions, which is completely not true. The credit that was issued has been removed and I am held liable for unauthorized transactions which should be reversed. Please help with ensuring the bank does the right thing and issue the rightfully due credit to my account, I am not a fraud.
Consumer complaint received 2017-09-21
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: FIRST CITIZENS BANCSHARES, INC. (GA)

I have made several attempts to rectify this matter with First Citizen Bank  and XXXX. I have notified First Citizen Bank and XXXX that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MD)

I am writing this complaint for Regulation E complance by American Express. On XX/XX/2022 I had 3 fraudulent transactions that posted to my American Express Gold Card that was lost from my possession in the XXXX XXXX. I called on XX/XX/XXXX and informed American Express of the issue and was told they would investigate the charges. Per Regulation E I was supposed to receive provisional credit within 10 days for the transactions that I did not authorize while they investigate the fraudulent transactions. I have only received provisional credit for 1 of the 3 transactions and that credit was posted on XX/XX/XXXX. After discovering that I did not receive credit for those 2 other transactions I called back on XX/XX/XXXX and was told that they were indeed apart of the initial report and that the report was still open and being worked on. After not receiving a letter to confirm the transactions or hearing anything back I called once more on XX/XX/XXXX and was told that the investigation team only received confirmation from the merchant, where the 3 transactions originated and that I have no relationship with, that they only heard back about the 1 charge being unauthorized but they did not get a confirmation about the other 2. Nonetheless, I was informed that I would receive a provisional credit on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a credit.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (NY)

I was victim of id was the person was arrested I asked the credit union to give me my money back but they refused I did everything I supposed to do I went to the police I went to the prosecutor and the person was charged and arrested I want my money back and I want it now
Consumer complaint received 2018-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

Please see letter of communication sent to the merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Bogus XXXXXXXX XXXX credit card account number ending in XXXX ; Alleged bill of {$52.00} To whom it may concern ; I continue to receive bogus bills from XXXX XXXX for a credit card I did not initiate, authorize or receive, much less use. I continue to receive harassing Robo calls from you XXXX XXXX regarding this. 
You have submitted my name and bogus credit information fraudulently to financial institutions, damaging and defacing my credit history and my name. 
I demand you cease and desist any further harassment and I also demand you expunge any negative reports you have fraudulently submitted. 
Additionally, I want an investigation done at your expense, as to WHO initiated this. 
I want the sales clerks name as I NEVER authorized any such credit card to be initiated in my name. I know the scam that the sales clerks use in order to get their spiff money in closing a new credit account. If they opened up an account in my name without my express permission or if they did not make it clear to me that they were doing so, they AND you are guilty of fraud. 
I have attempted to go online to your website at comenity.net/paymenthelp ; however, not to my surprise, there IS no help there. 
If I do not hear from you in 10 business days with a satisfactory solution in my favor, I will be forced to file a complaint with XXXX and with FTC. 
I know you will do the right thing by your customers, of which I have been a loyal customer of XXXX for many years, and even decades.
Consumer complaint received 2018-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX I cosigned for an auto loan through M & T Bank for my friend. I've never been late on paying anything in my entire life. On XX/XX/XXXX I received a phone call stating the account was overdue, and I immediately paid the balance. They kept asking me to verify my address, but would not accept my address, as somebody other than myself somehow changed my address without my permission. I then proceeded to ask how late the payments were and if this was going to negatively impact my credit. I was told that it already had. I pulled my credit report, and it dropped 114 POINTS. I asked how this could even be possible, why they never bothered to try contacting me until it was too late. I spoke with 7 different people, and nobody could answer the question. All I was able to find out was that this loan has been delinquent since XX/XX/XXXX, that my cell phone had been put on a " do not call '' list, and my address completely removed from their files. I am the cosigner on this loan and we are both equally responsible for this debt, so why is it that I was never informed it was delinquent- and for 8 months?! The moment I finally received a phone call from them I paid the balance! The last person I spoke with said he would file a dispute, but said their response would be sent to that address on file which is not even mine!!! I am severely concerned that a bank of this size would allow my information to be changed or removed without my knowledge- this is a HUGE privacy concern! And for them to act like it's perfectly normal is another issue. I am upset that the bank failed to contact me, had no respect for my outstanding credit history, and additionally the fact they never reached out could have been due to a security breach. I am taking this step to avoid further potential legal action against M & T Bank for damages to my credit character.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

We had damage to our home after Hurricane Irma. After 9 months the insurance company finally issued a check in the amount of {$120000.00}. By that time we had already taken the money out of our retirement account and the house had been completely repaired. The check was sent to Ditech in XX/XX/2018 as they hold the mortgage on the property. Also sent to them was all documentation requested including a signed waiver of lien and copy of statement from contractor stating payment had been made in full. An inspector from Ditech finally came to do the inspection on XX/XX/18. He submitted his report stating all work had been completed in full and the house had been totally repaired. Our adjuster spoke with Ditech on Tuesday XX/XX/18 and was told the inspectors report had been received and the check had been issued. On Friday XX/XX/18 we received a check for {$18000.00} made payable to our public adjuster. This was the exact amount he was owed. We spoke to Ditech that afternoon regarding the remainder of the funds and were told they were releasing another {$31000.00}. When questioned about the remaining {$75000.00} they responded that it was a lot of money and they had to check with the contractor to assure he had been paid before they released it. They agreed they had the signed release and statement from him showing he had been paid in full in their files but would not release the funds to us. Even though we sent them all required documentation we still have not received any funds from Ditech.
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (AK)

A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim.

This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect.

No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NH)

I have been a credit card ( master card, Citi ) customer since XXXX. I discovered that my credit card account had been closed on XX/XX/XXXX and called the company. They did not give a reason and said I would receive a letter in the mail. I received a letter on XX/XX/XXXX stating the card has been closed for late or returned payments. There were never any late payments. There were a few online returned payments due to a routing number error but it was paid through another bank account successfully. There was never any overdue balance. I received an email on XX/XX/XXXX from the company that I had XXXX thank you rewards points inviting me to redeem those points. I have been saving and accumulating these thank you points to redeem for a particular purchase. However, there was no way to access them online from the account. I reached out to a Citi supervisor on XX/XX/XXXX who said that he will arrange to access the thank you points and advised to call this week to check on details on how to access. However, in today 's call ( XX/XX/XXXX ) another supervisor said that the points are forfeited and there is nothing they can do at this time. I would like to submit that the credit card closure was without adequate reason and the forfeiture of the rewards points is essentially a theft by the company. I request you to have the company return the points or cash equivalent.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MA)

The deposit amount one was {$990.00} the second was {$900.00} the deposit date is XXXX/XXXX/XXXX via moble banking. I 've contacted the corporate office and no accurate reasoning or solution. Please help me get answers.