davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America failed to identify and prevent Bank and/or Check fraud. A yet unknown person/persons/organization created fraudulent checks that had a routing number and checking account number matching our Bank Of America checking account numbers. The name and address on the checks " identifying '' the account owner did not match our name or address and the check pretended to be issued by XXXX yet the routing code on the lower left was a Bank Of America routing number. Starting at XXXX on Friday XX/XX/XXXX fraudulent checks have been deposited with at least XXXX of them using " XXXX XXXX XXXX ''. The total amount of all checks was {$4200.00} which Bank Of America allowed to be taken out of our checking account while it was obvious and very clear that those checks were fraudulent. It is unclear to me how the bank can miss the obvious discrepancy of a check saying it is from XXXX but the routing number going to Bank Of America. Additionally the name and address of the account owner printed on the fraudulent checks didn't match any information of the real account owner. Right there the processing of the check should have stopped and a fraud alert being triggered. 
Bank Of America 's failure to identify and stop this fraud resulted in multiple legit transaction ( utility payments, credit card payments, etc ) not being processed. While Bank Of America has refunded all of the overdraft fees associated with the fraudulent checks we believe that Bank Of America also should reimburse us for any fees imposed on us by XXXX parties ( utility and/or credit card companies ) and for the substantial time we are investing to fix this issue.
Consumer complaint received 2023-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings (MS)

First Heritage has my phone number but instead they call my job every day sometimes twice a day and almost has made me loose my job this is not cool at all. I have asked them to stop they will not do it.. 

First Heritage Credit XXXX XXXX XXXX  reviews Loan agency in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : Open Closes XXXX Phone : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

XX/XX/XXXX signed into Citi account and found 8 fraudulent transactions. Called Citi Fraud, spoke with XXXX. She disabled that card and promised to overnight new cards, as we needed for upcoming purchase. 
XX/XX/XXXX new cards arrive. Login to Citi to activate, to find fraud alert. Talk to XXXX at Citi, who tells me that new cards had to be cancelled also, as 2 fraudulent transactions were posted on XX/XX/XXXX. Told her I thought those were part of the 8 original fraudulent transactions that likely were mistakenly transferred to new card, but to be safe, XXXX cancels card, and promises to XXXX  a second set of replacement cards. 
XX/XX/XXXX new cards haven't arrived. Call Citi, speaking to XXXX, then XXXX, then XXXX, all of whom seem to be confused and can't figure out if the first replacement card was ever cancelled, but they do seem clear that the ( second ) replacement cards promised by XXXX were NOT actually sent. I ask to be forwarded to someone in the XXXX, as the communications seem very scrambled. Speak to XXXX at Citi-XXXX  XXXX who says it looks like the first replacement cards are good. She puts us on hold to speak with her Security center to be absolutely sure ( would be embarrassing to us if she's wrong ), then comes back and tells us we are good to go. 
XX/XX/XXXX Login to Citi, and find that yet another card number has apparently been issued. Call and speak with XXXX. She says Citi records show that, after we spoke with XXXX on XX/XX/XXXX, my husband spoke with someone else at Citi and asked that the second replacement card be cancelled and replaced. This is ABSOLUTELY NOT TRUE ... this call never took place! Not sure who they talked to, but it wasn't my husband or me. XXXX tells us that another set of replacement cards were mailed on XX/XX/XXXX. 

This customer service group is so scrambled. They can not keep their facts straight, they give conflicting information, and cancelled the replacement cards and mailed new ones without giving us any notice, and after assuring us repeatedly that the first replacement card was good. And their records indicate they cancelled the first replacement card at my husband 's request, which is not true. Citi 's websites make it impossible to complain to anyone directly. All phone numbers lead to long wait times only to speak with people who try to help, but are relying on scrambled and inaccurate information.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I applied for a XXXX XXXX XXXX on XX/XX/2020. I was approved for a credit card through, XXXX XXXX. A letter was sent to my house several days later explaining my credit score and how the line of credit was established. On the letter, my credit score from Experian Credit Bureau was recorded as XXXX on XX/XX/2020, the date of the application. 

This information is incorrect. I tried several time on XX/XX/2020 and XX/XX/2020 to resolve this issue. Each time I asked to speak with a manager, the phone call ended. My credit score is near XXXX, I checked this information on XX/XX/2020. I am puzzled, why the credit bureau would fabricate in accurate information, jeopardizing my credit report. 

Please assist me, XXXX XXXX
Consumer complaint received 2020-04-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I would like to file a complaint on Pennymac Loan Services regarding the servicing of my mortgage loan. Also, I do not believe the appropriate guidelines relating to the foreclosure process were followed. I was formed that the demand used for foreclosure expired on XX/XX/XXXX, but I made multiple payments in months of XXXX and XXXX to bring my account current. My home was referred to foreclosure again on XX/XX/XXXX, and ultimately placed on hold XX/XX/XXXX due to COVID-19th. I was still allowed to make payments over the phone on XX/XX/XXXX and XX/XX/XXXX. I attempted to bring my account over the phone again on XX/XX/XXXX and Pennymac Loan services wouldnt accept payments even after doing so on the dates I stated above.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

PayPal credit reported my account as 30 days late after they returned my payment for no reason. I make my payment every month but they keep returning it. When I called my bank to see if there was an issue with my account I was told the funds were available and PayPal were the ones that returned the payment.
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-04-17
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-04-22
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: Skrill USA, Inc. (WV)

I wanted to add money to a third party paycard named Skrill. They assured me that once I submitted proper documentation such as my state ID and a face identification photo that the money would transfer from my prepaid XXXX  XXXX XXXX Visa debit card to the newly made account that I made at XXXX on XX/XX/2020. The charge was made and is now pending but the actual account through Skrill does not say I have any cash on it. Please investigate the Skrill company. My account was at a balance of {$420.00} cents and now at {$360.00}.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like Experian XXXX  and XXXX  have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues
Consumer complaint received 2020-04-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX., unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hoursXXXX XXXX XXXX  The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.
Consumer complaint received 2020-04-23
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 — Investigation took more than 30 days
Company: Clarity Services (TX)

Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX, unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

On Friday, XX/XX/XXXX, I received two pending transactions from XXXX XXXX on my account that I didn't authorize. I filed a dispute with the bank ( BB & T ) as well as with XXXX XXXX as soon as possible. 

Thursday, XX/XX/XXXX, I received a XXXX XXXX debit card that I hadn't requested. I let XXXX XXXX know, and they were able to trace the card to the account that was opened using my information. They closed the account and told me they would work with my bank. 

Friday, XX/XX/XXXX, my bank told me that they closed my dispute and I wouldn't be receiving my money back. I told this to XXXX XXXX, and they told me they wouldn't help me either. I'm currently at a loss, even though I can show that I didn't authorize these transactions.
Consumer complaint received 2020-04-22
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: STATE FARM BANK, FSB (CA)

I AM VICTIM OF AN IDENTITY THEFT, THE THIEF HAS OPENED A CRAUDULENT CREDIT CARD WITH STATE FARM BANK USING MY PERSONAL INFORMATION, THE CHARGES ARE FRAUDULENT, THE CREDIT CARD IS FRAUDULENT. I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX  AND TO STTE FARM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

On XX/XX/2020, I filed for unemployment through XXXX. After countless hours over a course of several days being in touch with XXXX, I was approved for unemployment benefits and they said I would be receiving a prepaid MasterCard  through Way2Go. For unemployment benefits, the Way2Go card can take anywhere from 7-10 business days to arrive. On XX/XX/2020, I received an e-mail stating my prepaid card had been shipped. Although, technically it should have shipped weeks before this. I have not had any updates since then. I spent XX/XX/2020 trying to get in touch with customer service on the whereabouts of my card. Also trying an array of ways to get in contact with them. I've spent well over 15 hours on wait time with no answers, the call has been disconnected, or have not gotten any answers as to where my card is.
Consumer complaint received 2020-04-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Re : XXXX XXXX XXXX XXXX To whom this may concern. I have attempted to reach customer service without success, is there a conspiracy? Its being over two weeks and snail mail no responded as well. Recording may say an hour delay, but calls are getting disconnected while waiting, I will give an opportunity to rectify before heading to the Consumer Finance Protection Bureau. I have contacted both XXXX and XXXX asking for a refund of ticket purchased, per USDOT https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However they have not processed the refund, both airlines canceled their services, and was advised to dispute charges, something done in writing here. I am copying this mail to the US DOT - XXXX XXXX XXXX Thanks. XXXX XXXX XX/XX/XXXX XXXX XXXX Airfare ... XXXX {$1900.00} XXXX, FL XXXX Merchant Website Purchased : Tue, XX/XX/XXXX Posted : Thu, XX/XX/XXXX Appears on statement as : XXXX   XXXX XXXX FL XXXX XXXX XXXX XXXX Airfare ... XXXX {$460.00} XXXX, FL XXXX Merchant Website Purchased : Thu, XX/XX/XXXX Posted : Sat, XX/XX/XXXX Appears on statement as : XXXX XXXX XXXX FL Capital one send paperwork to be filled exactly what is described above and asking to be faxed, name of merchants and amounts etc, if they would read the complaint they will see all need data, they have failed to reach out as well.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Due to the fact that Experian failed to verify, correct or remove this bankruptcy per FCRA requirements, they need to remove this immediately.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc. (MI)

I have a current auto loan with consumer portfolio services. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and CPS offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute CPS would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

The CARES act is giving {$450.00} Billion to the Fed who is turn buying up bad debt of the five major banks in return for a paltry 0.25 % interest rate. There appears to be no stipulation that the banks on the receiving end of these bailout funds has to reduce or remove the high-interest rates it charges its customers. ( 15 % -24 % ) Given essential free money being given by the taxpayers to fund the risky investments made by these banks, don't we have a right to have our interest rates reduced? 

In essence, the Fed is taking my future tax dollars and lending them to these banks who are then turning around and offering them back to me at 20x the interest rate. How is that legal?
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (CO)

I am trying to add money but Serve will not let me. Their fraud department has to resolve the issue and during the Covid pandemic it takes more than 3 hours to get a person on the phone. 
I called 2 times on XX/XX/2019 I called 1 time on XX/XX/2019 I called 5+ times XX/XX/2019 ( I spent 3+ hours first call, 3+ hours second call ) They did not resolve the issue. Every time I add a new card this happen even though they have already verified my new debit card source of funds by sending transactions to the debit card being and I verified them successfully the serve card never loads and the people that work there are unable to resolve it without calling a multiple number of times. Now with multiple hours on hold each time.