davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I made a purchase from a store in XXXX XXXX that I often visit the country. The store name was XXXX XXXX the very next day I took that purchase back because I couldnt fly home with it. They gave me a receipt and explain within 10 to 15 days the money review returned to my account about 21 days later my money didnt show up so I contacted the Dispute team from the credit card at fifth third bank. They expressed that the receipt was in XXXX the dispute team claim that they did an investigation, and determined that I did not take the product back. I later discovered there was no investigation, and the Dispute team gave me a XXXX denial the fifth third fifth third Dispute team shows a level of incompetence that is frightening Dispute team, representatives and supervisors .insouciant behavior is shameful as a US citizen using their services and complying with their terms of service. Fifth Third is obligated to do what they can to protect me their client from scams related to purchases and returns. Five months later I returned to the XXXX XXXX and went to a print establishment and they translated the receipt into XXXX and that receipt explains that there was a return made and gives an XXXX number for that return fifth third has still refused to return my money and denied me the proper protection as their client is supposed to receive now as a XXXX XXXX  citizen, I question what is their motivation?
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OR)

This complaint is in relation to CFPB Complaint : XXXX I initially filed a complaint because my lender/servicer, Freedom Mortgage, wasn't getting in contact with me about their refinancing programs. Since about the middle of XXXX we've been working towards agreeing to terms and closing on our refinance with Freedom ( after a fair amount of back and forth and rate adjustments/comparisons with XXXX XXXX ). I was told that we'd be closing at the end of XXXX. 

As of today I have spoken to more representatives of Freedom Mortgage than I thought I would ever need to speak with. I've been continuously sent back to underwriting for errors that Freedom admits to such as not providing {$1500.00} in lender credits as it just " disappeared '' off of loan estimate paperwork.

I have now had to pay two additional mortgage payments ( about {$350.00} more per payment than our refinanced monthly payment will be ) for XXXX and XXXX during a pandemic where our dollars are already stretched. I have requested that Freedom Mortgage provide approximately {$700.00} in credits as the loan did not close back in XXXX as promised but have been told I'm already being offered the maximum amount of credits. 

I have been passed around to various employees and have asked to speak with supervisors and managers with very little success. Most people are nice enough on the phone but have not been able to resolve any of my concerns at at this point I believe they are stalling to close our loan in hopes we go elsewhere. 

Thanks! 
-XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I was contacted via Chime 's support number by someone with my name, my user name, my debit card and my social security number. They gained access to my account and possibly cloned my debit card and made 7 transactions from XXXX XXXX PST on Saturday, XX/XX/2020 until XXXX XXXX  PST the same day totalling {$8200.00} ( nearly all of the funds in my account. ) These transactions were made by another chime user ( {$2000.00} to " XXXX XXXX " And the rest was made to " XXXX XXXX '' in North Carolina. I have read on XXXX  about many people having this same issue with Chime, and it isn't just the customer 's fault. Chime needs to do something about user security. I work very hard for my money, and it is all gone. I disputed these transactions the minute they happened with Chime 's support, as well as filed a police report with the XXXX XXXX Police Department, emailed The XXXX XXXX, filed a report with IC3.org and the FTC, as well as made a claim with the XXXX. Please help me get my money back.
Consumer complaint received 2021-09-14
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. (AL)

Equifax is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

Sears/CBNA continues to report the account status of an account discharged in a chapter XXXX bankruptcy, every month on XXXX. A letter was sent to Sears/CBNA to ask them to stop, but in response, Sears has now updated that status to current on XXXX  as well. Credit score dropped 26 points. 

They must stop monthly reporting and updating the status fields status updated on and balance updated every month. This can be seen as an attempt to collect a debt that has been discharged in a bankruptcy, a violation on the FCRA.
Consumer complaint received 2020-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/2020 American Honda Financial add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the Fair Credit Reporting Act American Honda Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you
Consumer complaint received 2020-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In early 2019 I deposited a check from a company which proved to be no good. Bank of America charged me {$10.00} for the check and closed my checking account. Bank of America then reported me as a perpetrator of check fraud rather than a victim. 
Their false reporting has kept me from opening other bank accounts. 

XXXX XXXX
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/2020 my daughter made a deposit for me at the TD Bank, XXXX XXXX XXXX, XXXX, DE through the ATM. The deposit consisted of {$110.00} cash & a draft in the amount of {$50.00}. The machine returned the draft indicating it could not be deposit at this time. It then returned my debit card but no receipt for the {$110.00} cash. We went to the drive through teller & explained the situation and asked her to help to get a receipt & to deposit the check. She basically cashed the check & said for me to check my account online for the deposit. I did check my account & it did not show the deposit. I immediately called the bank & spoke with a representative ( XXXX ) who filed a dispute complaint on my behalf. I also asked her to retain the video of the ATM of that day. I did receive a complaint number via email from a XXXX XXXX ( XXXX ) I was told it will take a day or two to balance the ATM. 
Called on XX/XX/2020 & had to leave a message. On XX/XX/2020 I spoke with XXXX who indicated that there was no indication on my complaint yet & it takes 7 to 14 days. XX/XX/2020 I checked my online account & still no deposit. XX/XX/2020 left another message. Called again & spoke with XXXX & left a message for XXXX XXXX to call me. XX/XX/2020 its now 2 weeks & no response from anyone. I left another message. 
I called my branch of TD Bank and spoke with a gentleman named XXXX, who went over & above to help me. He located my complaint and indicated that a not was only recently placed on the form indicating it was being denied because the representative who filed the complaint did not put the terminal number on it. He checked everything possible & called the branch on XXXX XXXX & was told that there was no transactions on my card and Im basically out of the {$110.00} I deposited. This is unacceptable!
Consumer complaint received 2020-11-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NY)

I have been trying to apply for a refinancing of my mortgage with XXXX XXXX since XX/XX/XXXX. What is standing in the way of my receiving this refinance is my HELOC bank, which is XXXX XXXX. They have been giving me the run around for months. XXXX XXXX requested a copy of my subordination agreement with them. They said that they originally sent it on XX/XX/XXXX. XXXX XXXX has no record of receiving it. They keep changing their story, and stated that they needed my credit report in order to process the request. I submitted my credit report to XXXX on XX/XX/XXXX. Still no answer. I have reached out to a Manager at XXXX, XXXX XXXX, 3 weeks ago, still no answer. 
XXXX XXXX is about to cancel my refinance, due to my application missing this document. I keep reaching out to XXXX with no answers, and so has XXXX XXXX, with no results either.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DC)

I requested a payment refund from XXXX XXXX for overpayment of my graduate plus loans during XXXX pause under the XXXX XXXX on XX/XX/XXXX, being quoted XXXX days to issue the refund. However, I've received no confirmation or status updates from XXXX XXXX  via email or when calling. They've now quoted me via phone up to XXXX days. I'd like to have my refund processed inmediately so I can apply for student loan forgiveness.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

Discover Card received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 informing Discover Financial that all of my debt with Discover has been discharged in bankruptcy court under Chapter XXXX. Discover Card is in complete violation of The Equal Credit Opportunity Act ( ECOA ) under federal law for credit discrimination by denying my application for approval for a Discover Secured Credit Card on XX/XX/2020.
Consumer complaint received 2020-11-13
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: JPMORGAN CHASE & CO. (OH)

I was looking over my Chase/amazon  credit card XXXX statement. When I closely got to looking at it. I noticed I was being charged for amazon XXXX, amazon XXXX, and was getting double billed. Amazon XXXX was billed on XX/XX/XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX I was charged XXXXfor Amazon XXXX. Then on XX/XX/XXXX I was charged XXXX for Amazon XXXX, and then again on XX/XX/XXXX for XXXX. I only agreed to pay for the one amazon XXXX. Which I was told included the music free shipping, and video. As I was talking to them. I decided to look at another old bill. When I got to looking at that one, I noticed back on XX/XX/XXXX and on XX/XX/XXXX I was charged XXXX for amazon XXXX, On XX/XX/XXXX I was charged XXXX, and on XX/XX/XXXX I was charged XXXX for amazon XXXX. Now before I mention the old bill the lady said they will reimburse me the 2 months of music. When I mention the charges that go back to XXXX. I was told that they would pay me for the double billing, but not for the music. After question that they ended up paying back the XXXX  and 2 payments of the music. The total amount XXXX. Then when I went to ask any question. The lady couldn't answer any of my question. Then I called Chase. I explained to the gentlemen what was going on. He went to look it up. Then told me then I have been charged for the music since XX/XX/XXXX and the video since XXXX of XXXX. Never did tell me about the double billing on the XXXX. Then he told me that since there was so many transactions he had to send me to another department. Where I spoke to a lady. She explained to me that she could only go back to XXXX of XXXX. So now I am out of that money that they took out for a year.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-10-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account names XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXXXXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's 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 my consumer report containing other than records of convictions of crimes
Consumer complaint received 2021-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

I received a call on my phone, with the caller ID as Coinbase. The message that was left said that my account was exposed to suspicious hacking activities. 

So with XXXX in USD of being in my crypto wallet. I emailed coin base now coin base customer services does not have any live people to talk to, its all via email This was the first red flag this I came across, but being nervous about the safety of my funds. I followed the instructions provided on their website. These instructions were to temporary lock the account. 

So, after that I was instructed by a generic email reply, not personal. Evidently, a auto reply that everyone gets from coin base to reset their password and set up a two-step verification. So I did as such, at that time I received another auto reply type of email saying that your account is now being handled by a specialist, allow 4 to 5 business days. 

This was on XX/XX/XXXX and the account still hasnt been unlocked, nor has anyone from coinbase has come back to contact me. I have sent numerous emails, but continue to get the same automated generated reply and no help in unlocking my account, granting me access to my funds.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the XXXXnformation being sent to three credit bureaus
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  MY NAME IS WRONG ON MY CREDIT REPORT
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have saving, checking, equity line of credit ( LOC ), and mortgage accounts with Bank of America. 

On XX/XX/2020, I want to pay off the balance on my LOC account and transferred {$140000.00} ( the balance at the time - see the 1st attached file ) from my saving account to my LOC account. Both accounts are in BoA. After the fund transfer is done, I can see the amount of fund was taken out from my saving account, but not fund was transferred into my LOC account. I though it was on-line banking delay. After two days, the fund was still not showed up in my LOC account. I called BoA customer service and I was told it would take 5-7 business day to process it. 

However, the LOC balance remained the same after two week passed. I tried to get help from BoA customer service, I was on-line for hours and transferred from one department to another, equity line of credit dept, on line service dept, customer protection dept, etc. Unfortunately, none of them could provide me a real help. Then, I have to visit my local branch and asked for help from the branch managers XXXX and XXXX. They have to call the back end office to help. Of course, we spent hours there to wait the service lines in the branch. 

First, XXXX helped us to create a case to locate the missing fund. After another two weeks, the fund was located and added into my LOC. However, the fund was not applied to my account ( dated on XX/XX/2020 see the 2nd attached file ) and the balance remains the same. I am not sure why the fund was located and not applied to my LOC account. 

I have to visit the branch again and create another case to request applying the fund to my LOC account. It is XX/XX/2020 today and the transferred fund is still not applied to my LOC account. I have to visit the local branch every week to find out the progress on handling my case because I did not receive any email or phone call to inform me the progress. 

So far, I have visited the local branch 4 times and called the customer service 3 times on this problem. I spent so may hours and efforts for such unexpected transfer results. 
Now, there are total 6 weeks passed and the fund transfer problem is still not resolved. For the meantime, my checking account was still charged with the interest plus principle.
Consumer complaint received 2020-10-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (CA)

In XXXX of 2020 I entered into a forbearance/deference agreement with Morgan Stanley Home loans. Initially, it was for 3 months and it was extended to 6 months. When I last spoke to a representative on XX/XX/2020 I requested that they extend for another 2 months and the representative said that shouldn't be a problem. I received another call and someone else told me something different in that I could not extend another 2 months and that I would have to agree to a deferment so I did so. They told me that I could in a sense put the XXXX payment into the deferment plan and possibility of putting the XXXX payment in the deferment agreement so essentially I would extend for another 2 months. I kept getting automated calls to call Morgan Stanley, everytime I called I would get a different response, this time the representative told me that I had to make the XXXX payment immediately. I would have liked to have extended my forbearance for another 2 months and put that into the deferment plan but I keep getting told different things. At one point a couple of months ago when I asked for the modification package to be sent to me another representative told me that I would only be able to defer 3 months of the payments and the other 3 months I would have to pay as a lump sum.