davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (VA)

I requested an international wire transfer with my bank, Discover card, on the following dates, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX, I found out I was scammed so I called Discover card that I was scammed with those amount. I asked the lady on the phone is there anything we can do to reverse or cancel the transaction. She apologized there is nothing that the bank can do since the money had been wired out. On XX/XX/XXXX, I found out from another bank that all bank does swift recall meaning the sender bank can reach out to the recipient bank and put a freeze on the amount that was transferred. So I called back to Discover card and requested a swift recall on those amount since it was a scam. I am upset because the swift recall could have been done a lot sooner and the lady on the phone was not genuinely concern that I had been scam. This delay the dates on the recall by 3 business days and this allow the recipient to withdrawn the money from the account. I am also upset that the lady was not aware of such recall exists and that the transaction can be freeze instead I was told there is nothing that the bank can do. The lady who helped me was not knowledgeable about the recall and she was clearly incompetent at her job especially such a large amount of money XXXX total was involved.
Consumer complaint received 2021-10-25
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: PENTAGON FEDERAL CREDIT UNION (IL)

My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. PenFed is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with PenFed. Once the CARES hardship programs ended, my ACH auto-draft was canceled by PenFed without my knowledge. PenFed told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to PenFed 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to XXXX, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from XXXX, XXXX, or XXXX. I want these late payments and inquires removed because XXXX, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Consumer complaint received 2021-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pacific Credit Exchange Corporation (CA)

Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled.
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Beginning XX/XX/2020, I became negative on my account. Recurring charges continued to post, causing a total of 9 NSF/OD fees. I contacted my bank in XXXX when it all began and I was told they could not waive any fees as a courtesy. Since we are in a pandemic, my business has taken a hit and financially I have been struggling. I attempted to resolve this again via phone on XX/XX/XXXX, and was on the phone for several hours. The first person I spoke with was able to refund me 2 fees, totaling {$70.00}. This was after being told back in XXXX, no fees would be or could be waived. I decided to call again because if this one individual was able to refund me 2 fees, I wanted to see if more could be waived since I was being given contradicting information. I spoke with customer service again and I asked to speak with a manager, and they said no and instead transferred me to collections. Collections simply said I had less than 40 days before my account could potentially charge off and be closed. They told me I was not supposed to have been transferred to collections because my account is not in collections and is open and active. They told me to call regular customer service, which I went ahead and did again. I called again and spoke with a rep who I asked to speak with her supervisor, XXXX ( XXXX ) and he was unprofessional. He kept cutting me off and repeating information as though he was not listening to what I was asking for. He kept insisting I speak with Collections even though I told him I had and they had said I did not need to speak with them because of my account status still being open. I then asked to speak with his supervisor, so I was transferred to XXXX ( XXXX ). This woman 's customer service was even worse, as she was condescending and simply told me she would not waive any fees. I have been a customer for many years and my account has never had any fees in the past. I am simply asking that the bank, in light of everything that is happening, waive the remaining 7 fees. I am going to be making additional deposits so the account will be in good standing once again. I am just simply disappointed that after banking with BOFA so many years and never asking for any refunds since I have not had any fees in the past, see they are so unwilling to work with me. I have plenty of family and friends who also bank with BOFA because I recommended them to open an account. I will definitely be letting them know of my experience as I can't believe how insensitive this institution has been with me, despite me explaining to several people my situation. I just want these additional 7 fees waived.
Consumer complaint received 2021-10-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (MA)

I opened a new account a few month ago. Since that time I have been trying to set up an on line account so I can have my direct deposit go to my account. After numerous very rude and unhelpful calls they are unable to help me. I checked my balance at a foreign ATM and TD bank charged me {$3.00} leaving my bank in the negative. I tried again to set up an online account as I am home bound at this time. Once again, it could not process my request. I then called XXXX atXXXX XXXX XXXX. She s the person I set up my account with. Once again rude unhelpful people calling me honey sweetie etc. and still no help. I then called XXXX at the XXXX office XXXX XXXX XXXX and told him I wanted to close the account to which he replied you have to come in to do that because you have a negative balance of {$3.00} ... I told him I was unable to come in and he said that he could not close my account. At this point I was so frustrated and angry I yelled CLOSE MY ACCOUNT NOW! I detest this bank and their rude unprofessional unhelpful customer service. Can you please help me to close this account. Thank you
Consumer complaint received 2018-06-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystems continues to violate all of the FCRA laws in place to protect consumers and victims of identity theft. Not only did Chexsystems advise they wouldnt assist me with the inquiries they let go through WITH A SECURITY FREEZE ON MY REPORTS. Additionally these inquiries are duplicated and triple. I did not authorize these nor did I apply for any bank accounts. Also they have fraudulent addresses listed on my Chexsystems reports I have disputed these as well as requested this be blocked. The FTC is a Government Agency setup to assist consumers and protect their rights. As a victim of identity theft and by the FCRA laws, and also according to your website. If I provide you notice of Identity theft, also provide you a document declaring Identity theft, I have a legal right to ask the consumer agency to block this information. Additionally you stated XXXX XXXX inquiry in XX/XX/XXXX was authorized, however I havent applied for any account or service with them in XX/XX/XXXXat all. Therefore that is false and you continually put fraudulent information on my reports abusing me as a consumer.
Consumer complaint received 2021-10-25
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 (IL)

XX/XX/XXXX I sent Navy Federal Credit Union a letter for Validation of a Alleged debt under the Fair Debt Collection Practices Act, On XX/XX/2021 they received it. 

The letter Clearly states that Navy federal Credit Union had 30days to validate the account and respond to the account listed on my XXXX account and they failed to respond in the allotted timeframe bearing my signature meaning the original contract. 

The letter also states that their claim can not and will not be considered if any portion of the form I sent is not returned and completed with all requested documents, they failed to do that as well in accordance to the Fair Debt Collections practices Act within 30 days It is now XX/XX/2021 and Navy Federal sent me a letter with none of the information requested, no documents bearing my signature.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (IL)

I reported to The three major credit bureaus ; XXXX, XXXX  and Experian that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.
Consumer complaint received 2021-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (DC)

I am writing to dispute the accuracy of a late or delinquent payment reporting by Freedom Mortgage. Freedom Mortgage failed to apply funds they had on-hand prior to the due date and subsequently reported I was late in payment because, they overpaid DC Office of Tax and Revenue for property taxes from the escrow account. Freedom Mortgage stated their decision to not apply funds is based on internal policies and agreements that allows them to hold funds ( and not apply them for payment ) when there is a shortage. The justification for the shortage ( e.g., their lack of proper due diligence and care ) was irrelevant to their decision.

Similarly, after recognition of the potential error and oversight by Freedom Mortgage ( they were given a copy of the revised tax assessment letter ) in the overpayment ( i.e., I was told but not given evidence of their attempt ( s ) to contact DCs Office of Tax and Revenue for clarification ) they did not provide sufficient time for a response by the DC government. I say sufficient time as it is widely known there are ongoing delays in US Postal Service delivery services and delays and challenges with government agencies ability to respond to requests due to COVID-19 constraints.

Freedom Mortgage reports derogatory information to the credit bureaus they refuse to later correct while they are in the process of clarifying and understanding their own errors as later corrected by their overpayment notice and payment check to me for funds due. When calling Freedom Mortgage to request a retraction of their notice of late payment they refuse stating they have internal policies ( not shared ) to prohibit such retractions unless they made an error. I was unable to reason through how this was not an error and did not get an answer as to why if there was no error, I was sent a check for the amount overpaid. Again, they simply did not allow time to understand their error and allow for a practical resolution, then failed to make whole ( e.g., return funds and correct the credit record ) following their error, all while having funds available to apply for payment.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

My FHA mortgage was put into a forbearance during the pandemic under the CARES Act. My lender is demanding all of the back payments due now. My understanding is that they are required to work with me to set up payments. 

Attached here are pictures of the most recent statement they've sent me, which arrived XX/XX/XXXX, as well as their XX/XX/XXXX response to a complaint I made to CFPB last month. In that, they confirm that I'm on a forbearance through XX/XX/XXXX. If the loan is in forbearance, how can they be demanding {$36000.00} from me now? Their XX/XX/XXXX letter says " payments are not required during the forbearance period '' and " During the forbearance period, no late charges incur on the account '', so why are they sending me a statement that says " You are late on your mortgage payments '' and threatening late fees ( {$54.00} ) if not paid by XX/XX/XXXX? If it's in forbearance through XXXX, why does the statement say " failure to bring your loan current may result in fees and foreclosure- the loss of your home. "? Their XX/XX/XXXX letter also said " Please note, this Mortgage Statement is not a demand for payment by XX/XX/XXXX, '' but their statements as you can see quite plainly say " DUE DATE '' and " Due By XXXX '' and " Please mail so that your payment reaches us by the due date. '' Their XX/XX/XXXX letter makes it sound like they're merely updating me on the balance but these statements are demanding payment and making threats of fees and foreclosure. Please help.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (IL)

worked out agreement with collection agency that was servicing the loan for XXXX which is XXXXXXXX XXXX XXXXXXXX the party for XXXX XXXXXXXX XXXX XXXXXXXX promised to not only remove and delete the file put also stated the original credtor would remove from credit reporting i dipputed this XXXX XXXX XXXX updated the balance and failed to remove the debt
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2021, I mailed a letter to TransUnion to remove a dispute on the XXXX XXXX tradeline. I am in the process of refinancing and underwriting requires the removal of disputes from tradelines. I never received a response and made a complaint to the Consumer Financial Protection Bureau regarding the lack of response from TransUnion on XX/XX/XXXX, XXXX.TransUnion responded that they were putting a dispute on the tradeline instead of removing it! I again complained on XX/XX/2021. TransUnion responded on XX/XX/2021 that they were going to investigate and close out the complaint within thirty days and mail me the results. It is now XX/XX/2021 and I have not received a response. My refinance is on hold due to TransUnion 's failure to remove a dispute from my XXXX XXXX tradeline. It does not take five months to remove a dispute. Due to TransUnion 's failure to remove the dispute, I may lose the great rate I was offered. I need TransUnion to remove the dispute immediately and send me an updated credit report demonstrating that the dispute was removed. I await TransUnion 's response.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I got the following email from Chime this morning without any further explanation : Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed on XX/XX/2021. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2021, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

When I try calling to speak with someone, it recognizes my phone number and hangs up on me. When I try logging in, it will not allow me. And when I email them they refer me to to reference their agreement titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX : XXXX. 

I have money coming back to my debit card and that company told me to let Chime know but they are not getting me answers. I also have a bank transfer that is in process for {$6000.00} but I have no idea if that will bounce back to the origin bank or if that money will stay in limbo. I am shocked to see how many other people have had the same thing happen to them. In the past, Chime asked me for supporting documents when they tried saying I had unusual activity and I provided them with everything they asked for immediately. I need help and do not know who can help me at this point.
Consumer complaint received 2021-10-26
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: USCB, Inc. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CCS Financial Services, Inc. (GA)

This is XXXX XXXX. my phone number is XXXX. On XX/XX/XXXX, I got email saying my credite score decreased XXXX  points. I checked and found out XXXX send XXXX dollars debt to Credit Collection Serv. Actully this was not my debt. I divorced in XXXX, XXXX and I moved XXXX GA in XXXX, XXXX. I Started my Car insurance from XX/XX/XXXX in XXXX XXXX. 

But I got the phone call from XXXX in XXXX XXXX. I told them I had my car Insurance in XXXX XXXX  and I sent the statments of my car in XXXX XXXX to them. It was my exhusband '' s car Insurance. I gave the XXXX my exhusband phone number and i still called my exhusband about XXXXdollars debt. Then i did not pay any attention on this because it was not my Insurance. 

After I figured out the debt. I Just paid off on XX/XX/XXXX because I want to make my credit score back. They told me they will connect the credit comanies to repair my credit scrore back. they told me it takes 14-30 days to fix back. After XX/XX/XXXX, I did not see anything change about my credit. I called the credit collection company. -- CREDIT COLLECTION SERV. on the phone. They said it shew I paid off the the debt. and asked me to call Credit companies. I did, they told me call XXXX. I did too. but XXXX said there is not debt there. They don't do anything. I confused, I need help. I appreciate if you can help me. Thank you. Attached my car insurance in XXXX XXXX. ( XXXX asked me show my car insurance after XX/XX/XXXX )
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX my check card was cut off by Wells Fargo for any use for one year. Ive never bounced a check or done anything to warrant this. They refuse to give answers the ironic part is i disputed a merchant charge and on the same way i was awarded the dispute the bank Revoked my ATM card from year which is essentially closing my account. This is fraud and should be stoped