davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (CA)

When receiving an " XXXX XXXX '' loan, customers are prompted to " Leave a tip ''. Consumers are provided with a tip recommendation of {$2.00}, and tip amounts range from {$0.00} to {$16.00} on an advance of {$100.00}. After selecting {$0.00}, on the next screen, consumers are prompted again to leave a tip and this time {$2.00} is automatically included in the transaction and as part of the total amount of the loan. Consumer has to remove tip amount to proceed without paying a tip. Consumer can also modify the tip amount as in the previous screen to an amount ranging from {$0.00} to {$16.00} on an advance of {$100.00}. On the following screen, customer is offered a " XXXX XXXX  '' for {$8.00} to send the loan to their account instantly ( versus 2-5 business days for free ). On the final screen, consumer finalizes the loan details. If a consumer selected a tip of {$0.00} on a loan of {$100.00} and did not select a XXXX XXXX, the total repayment amount due will be {$100.00}. The deceptive practice comes on the screen after the final loan screen which is titled, " XXXX doesn't grow on trees '' and again prompts consumers to leave a tip. Suggested tip amounts are {$0.00} to {$16.00}. At the very bottom of the screen is a " No thanks I'll tip next time button '' but right above it are the highest suggested tip amounts of {$10.00} and {$16.00} which have the largest button. A consumer attempting to skip this screen can accidentally hit one of the large tip amounts or automatically hit the {$10.00} tip amount thinking it is {$0.00} because this is the only screen that does not offer a tip amount of {$0.00} as in the other screens. Additionally, the term XXXX is deceptive because the loan is not instant unless the fee for the XXXX XXXX is paid.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NJ)

I was taken in by an employment scam, wherein they sent me checks to set up a home office but in reality were draining my account. When they had taken everything, instead of working with me at all, as a customer of over 20 years Citibank immediately closed my account and said I owe them over {$500.00}. Filed a police report about it, but obviously that's just to have it on the record, as I doubt my local precinct is going after cyber criminals.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (WA)

My husband and I have an account with discover. He has XXXX so we used it for the hotel and lodging fees during his XXXX XXXX. We also used it to pay for the ferries and items from XXXX. We noticed that the balanced skyrocketed despite some items being returned and making large payments and balance transfers. So, I took a look at the statement. This is an instance of how our usual statements. One month we would spend about {$500.00}, we would pay {$800.00} or well over what was owed, and still end up owing a balance of {$900.00}! How is it even possible? We understand there is interest. We have other cards and we are fine with those. But, it seems that we were still charged interest on items that were returned and the interest seems to be excessive. So, I contacted the company and asked if we were charged interests for returned items. She could not help or answer my question, but only offered to give us 0 % interest on future purchases which also does not seem to have applied. There is some clear problem with this card and we would like an audit of our account and a return of the interest we paid for items that were returned and any interest in excess of what we signed up for. It is calculating at an interest of about 40 % although it is stating to be lower. We don't want anything extra beyond what is reasonable. We see there is a clear problem here that we are not experiencing with any other card company. They have promised 0 % interest on future payments, and we are grateful. But, the previous amounts we have already paid or transferred were incorrect and has caused a serious hardship that my husband is not able to take care of along with the hardship due to his XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/24 i made a call to GM Financial to make my car payment. The women over the phone took my account information down and put it into her computer. She said the payment was made and we hung up. I have a confirmation from GM on their website saying the payment was made. Today I get a notification from XXXX saying that I am delinquent more than 30 days. I called GM and spoke to XXXX he told me the woman I gave my info to put it in wrong and the payment wasnt made. I said well why didnt you contact me? No one called texted or emailed. I asked him to remove that report from the XXXX credit bureaus, he said he couldnt because the payment was more that 24 days after the due date. His supervisor was supposed to call me back and never did. I have reported this to the credit bureaus today. 

GM should not be able to do this they had a responsibility to contact me to tell me they put the information in wrong. Can you please help I have uploaded a picture of my account stating payment was made on XX/XX/24.
Consumer complaint received 2020-06-30
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. (MD)

XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

Today XXXX. I received a reply to my previous complaint. It is the same response that I received previously. Both times that received a call back from Wells Fargo they admit that I received the incorrect information from their representative but will do nothing to rectify the situation. I now have all the proof including bank statements that prove that I sent in the payments that I was told to by the representative and later on because I declined a modification which they offered which would have extend the loan to 40 years ( I was more than half way through a 30 year ) they maliciously put my home in foreclosure. My records show that in 2019 I sent in numerous payments more than what my total annual payment would have been some of the payments were applied and some were returned to my bank because they wanted to start foreclosure proceedings. 
I am aware that millions were paid to some customers but I was not included and this shows that there are a lot more customer that did not get the compensation that they deserved. 
The authorities need to get involved in Wells Fargo deceptive practices
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MN)

Morning, XXXX XXXX sold our account to Selene Finance, the worst company we have ever dealt with. Long story short, we were behind XXXX payments, called to pay and they wanted XXXX payments even though next month not due yet. This went on, we had {$9000.00} dollars to give, they refused, house went to pre-forclosure, had to file bankruptcy XXXX to keep house. NOW they have a memo when we sign into our account that our payment has increased by {$100.00} with no explanation!! It just went up XX/XX/2023! We will NO LONGER deal or contact them as right hand doesn't know what left hand doing, plus they refuse to put a supervisor on the line. MANY, MANY complaints on XXXX and their website. Please help, we are strapped and now attorney needs to redo our payment plan, we just can't do it!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Bridge IT, Inc. (GA)

On XX/XX/year> I took out an advance for XXXX. Also, a XXXX XXXX account for XXXX per month and paid a subscription fee for their service. Immediately upon getting the first advance I paid it off, I then too out a second that I never received. I complained several times via email and provided proof but they are adamant Inowe them money. I cancelled my XXXX XXXX product with them because I do not trust them and now am going to end up having a {$600.00} closed loan on my report. Also, I cancelled my subscription for XXXX a month which just got taken out abd they ae now going to charge me a second time on XX/XX/XXXX along with their plan to charge me {$50.00} on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I don't recall having a contractual relationship with this collection company CREDIT MGMT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

There seems to be some serious data breach that has happened at Citi. I have XXXX Citi credit Card - Citi Master Card and Citi Visa Card ( Costco ). During less than one week - both of my cards has been compromised. Both of them are Chip cards and there is no additional member for these cards. XXXX has been used for transactions in Florida, XXXX and other places. Citi was able to identify the fraudulent activity and issuing me a replacement card. I am working in XXXX XXXX for close to 2 decades now and worked a lot for Credit card, trading and other financial companies. Citi is not ready to accept that there is some data breach happening at their end but there is something very wrong going on - how come XXXX cards both issued by citi are compromised in the same week? It 's inconvenience for me to setup automated bill pay for the new/replacement cards and i might have late fees and other charges also.
Consumer complaint received 2024-03-10
Product: Credit 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: M&T BANK CORPORATION (CT)

I ATTEMPTED to do an XXXX XXXX XXXX with a XXXX XXXX XXXX back in XXXX for which they fabricated medical information and committed medical fraud. They stated I had XXXX XXXX and could get XXXX XXXX XXXX XXXX I simultaneously had my primary XXXX XXXX XXXX XXXX  for which I have the medical records stating that there wasnt any XXXX most likely but possibly there was XXXX and that I was XXXX. In the end I never got the service that I paid {$8000.00} for. This XXXX  clinic could not even supply me with medical records that this was attempted or anything which is another violation of medical law. THE MERCHANT OFFERED TO REFUND ME AND NEVER DID. I put this on my M & T bank credit card for which they did refund me the medication amount but the {$8000.00} clinic amount they are not refunding me despite the fact that the merchant stated multiple times that they would give me a refund! I have an email from the merchant stating they would email me dated XX/XX/year> and the bank is refusing to acknowledge that and take the money back. furthermore, this bank is just sending me copies of an agreement of what I would pay for if I actually went through with this XXXX XXXX XXXX attempt. The bank does not have any record that I actually went through with it. I signed the papers on XX/XX/XXXX do you sign papers, start medication and have your XXXX retrieved in the same day? No the XXXX XXXX XXXX XXXX XXXX XXXX lasts for 14 days. My XXXX  retrieval would have been somewhere between XX/XX/XXXX and XX/XX/XXXX. Where are the records that show that I went through with it and they had a right to keep my money? And furthermore why is it being ignored that the company offered to refund me? They even had me sign a release and still I never got my money. I will include correspondences with that woman, XXXX XXXX, who is their patient relations manager. I signed a release for them and have been asking the whereabouts of my check since then and they never get back to me. They tricked me into signing a release saying I wouldnt sue them. Again MT has a picture of them offering me a refund and doesnt provide any documentation that I went through with XXXX XXXX XXXXe because I didnt, because it was canceled. That is in violation of United States credit laws. If merchant promises a refund, the bank is supposed to take the money back on behalf of the customer, and they are refusing to do so. If this cant be resolved here, Im going to take it to arbitration because you are not providing me with that information which is illegal.
Consumer complaint received 2024-03-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (ID)

I made a payment in full to close the account for this daily accrual interest loan on XX/XX/XXXX but was told that it takes two days to process the payment. I was charged interest over the two days that it took THEM to process the payment which resulted in an extra {$1500.00} that I still had to pay
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (RI)

Dear Merchant and Traders, This morning at XXXX your online customer service XXXX XXXX XXXX refused to close my account that shows {$1.00}, since you broke XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Again this morning this complaint is being filed against you. 

Your employee made many excuses, lastly there is not a Merchant and Traders Bank Branch in XXXX XXXX so your request that a person without a XXXX License ( 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 ) come into your branch to make a closing account violates my Everytown for XXXX Safety position with your bank XXXX profiling me. 

Talking about this can be difficult, but you are not alone. 
We are going to ask you to provide as much information as you can this will help our team of analysts at the XXXX XXXX for XXXX and XXXX XXXX who are trained to review your report, so it can be provided to the appropriate people for possible investigation. 
XXXX : Thank you! 
Reporting XXXX  is an important step in stopping it thank you for the information you shared. 

Your report is number : XXXX The report will now be provided to our team of expert analysts. Please call XXXX ( XXXX ) and reference the report number listed below if you have additional information to add to your report. You will not be automatically provided with an update on the status of this report, but please trust the XXXX XXXX for XXXX and XXXX XXXX is making the report available to the appropriate law enforcement agency. 

You may also go to XXXX XXXX XXXX for additional information related to internet safety for all ages. 

Learn more by visiting XXXX
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Usaa has blocked my access to manage and maintain the loan. I reduced my scheduled payment. Once they give me my access to the loan back I will submit more payments. USAA has deceptive and unfair practices. Their banking division needs to be looked into by federal authorities. I can see how blocking access to an account to the account holder is legal.