davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CT)

My husband used bill pay to pay our bills. He meant to click on a XXXX  card payment but clicked on CITIBANK instead. He paid {$1000.00} to an OLD CITIBANK account with last four digits are XXXX, instead of paying XXXX bank. We went to our bank they tried to help but CITIBANK says they need last 5 digits on card. We dont even have the card anymore all we have are old bills from XXXX which has last 4 digits. When we call CITIBANK they say they dont see an account with last 4 digits XXXX which was connected to that bill pay. The payment was CASHED BY CITIBANK ON XX/XX/XXXX. So they CASHED it NOT having any record of this older account. We do have bank copy of it being cashed and CITIBANK just keeps giving us the run around! Its over {$1000.00} and no one will help us!
Consumer complaint received 2024-07-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLOBAL CLIENT SOLUTIONS, LLC (NY)

Hey I have been paying this company XXXXXXXX XXXX  a month since XXXX. They have not settled any of my debts were sole even went to collectors. I wrote them to give me a full refund so I can enroll in a better debt collecting program and they only are trying to refund me XXXX XXXX  which is insane. I reach out they never help me take days to respond back and has been frustrating. Please help me recover my funds back to get to the right program to help me get out of debt please and thank you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I noticed unauthorized inquiries on my credit report. These inquiries appeared on XX/XX/XXXX- XX/XX/XXXX. The amounts in question are 25 Hard Inquiries I did not authorize and I have not had any recent interactions with these companies involved. I have taken steps to dispute these inquiries with the credit bureaus, including contacting the company directly and also contacting the 3 credit bureaus without any luck. Please investigate and remove these unauthorized inquiries from my report.
Consumer complaint received 2024-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

I do not have an escrow account. Therefore, I pay my own property taxes. I paid my property taxes for the tax year of XXXX in full ( State of Illinois ) in XXXX of XXXX. I sent an email with the pdf from the XXXX XXXX which showed XXXX taxes due to the following emails addresses on XX/XX/XXXX - XXXX and XXXX. I requested written confirmation from Mr. Cooper that they received proof that my taxes for XXXX were paid in full. I was advised that I would receive a response in 5 to 7 business days. I never received a response. I contacted Mr. Cooper by Chat because it is impossible to reach a person at the company. The chat person was not able to confirm that Mr. Cooper received proof that I paid taxes. I re-sent the information again to both email address today w/ the same pdf from XXXX XXXX XXXX The chat person asked for 5 to 7 more days, but I do not believe I will get any response from Mr. Cooper without your help.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (VA)

Cavalier Portfolio services placed a collection notice on my credit report without giving me a validation notice. I never received any form of contract from Cavalier Portfolio services, to show where I signed a contract with them for payment. I would love for these to be removed from my credit report because this is against the law.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (TX)

XXXX Credit Report I downloaded the Experian App, and they continuously prompted me to sign up for the free trial for their Experian XXXX XXXX Membership, and said there was a Free Trial and I could Cancel Anytime before the trial ends. As the trial came to an end I realized there was no place in the app or online that I could cancel the membership. When the trial ended I was charged the Membership Fee of {$27.00}. I emailed the Experian Customer Service asking to cancel the membership, and I locked the Debit Card that was connected to my Experian account. It has been a few months now and every few days since the XXXX month when they tried to charge me again, I have been getting multiple emails and alerts that they are trying to charge me and that my payment method needs to be updated. I have emailed them three times now but have gotten no response. When I log into the Experian App, it immediately prompts me to update my payment information and will not let me log into my account unless I pay the membership fee, so I am unable to even remove my Debit Card from my account. I have read online that many many people have had this same issue and that it takes months of emails, and many XXXX minute phone calls with repeated attempts to up sale and total disregard for customer wishes. ( i.e. trying to switch customers to Basic Memberships when they ask to cancel, asking irrelevant questions about their experience in attempt to get the customer not to cancel, and stalling on the phone for 30min-1hr in attempt to have the customer hang up so they dont cancel the membership ) Please look into the Experian Credit Report Company and their shady Membership Fee practices and their terrible customer service while canceling memberships and general hospitality towards customers. I have still been unable to cancel my membership and have just sent my 4th email to them, and I am hoping to not have to call them, but I will have to if this keeps going on. Thank you for taking my complaint.
Consumer complaint received 2024-07-19
Product: Credit 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: DISCOVER BANK (IL)

Hello so I was in hospital when I got a notification of statement I opened it and there was a transaction of XXXX $ on my account that I quit using months ago I was using my other credit card. I called right away to Discover credit card fraud team and let them know they send a new card and opened a new account for me and told me not to worry about anything. My balance was now normal but after 1 month or more yesterday I got a call and they said am responsible for this because whoever used this card put your phone number, address and used your email in the order. I have written a letter and sent it to their adress too. I received emails for XXXX saying my data was leaked and not safe I thought its a AD So I didnt reply to them.I would really appreciate if this charge gets removed from my account Thank you for helping.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent.

Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please update my records to reflect that I was not late for the payments in XXXX, XXXX, and XX/XX/year>. I request that you correct my credit report accordingly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have contacted these companies and done numerous Disputes with all 3 bureau 's and sometimes the Dispute results come same day and next day there is no way they are still reporting after Ive asked for cease and desist of all communication especially reporting on my credit report and the bureau 's are allowing it. According to fcra code 15 usc 1692 ( c ) these debts should not be reporting on my credit file for any bureau. The files are as follows : XXXX acct # XXXX {$520.00XXXX XXXX  acct # XXXX {$290.00} XXXX XXXX  acct # XXXX {$110.00} State employees credit union acct XXXX XXXX {$480.00} XXXX XXXX XXXX acct XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX acct # XXXX {$760.00}
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello Sir/Maam! 

I'm XXXX XXXX and i want to report the paypal comment because they took my money without any reason and i search over internet and they doing this to many of here paypal users hope you help me because that money is for my mothers medication they took my money last XX/XX/year> Transaction ID XXXX Gross amount - {$460.00} USD i didnt even owe on them because i only accept money from my family members
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the unauthorized inquiries on my credit report for the second time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 
I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

Hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JPMCB Card dated XX/XX/XXXXXXXX  After contacting, I received no information or deletions from my credit report.
Consumer complaint received 2024-07-23
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: ADP Inc. (TX)

On XX/XX/XXXX, a transaction with XXXX XXXX XXXX was processed by my company Wisely at {$210.00}. However, the services I requested were not directly provided. I did not have electricity at all for the entire duration of my stay at the hotel. As this is included in the service bill, I demand a full refund. It is imperative that I receive a refund to serve as a compensation for the services I was promised yet did not receive.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (AZ)

There are two major issue .First, have a checking account in the bank and im currently living abroad. XXXX XX/XX/XXXX, my suddenly lost my acces to my mobile banking account. During password recovery process, application was insisting my SSN and other information does not match their records. contacted the costumer support next day, and after spending an hour trobuleshooting, issue wasnt resolved.Eventually, She told me that her logs was telling her that password recovery was succsesful each time when i tried and got the same error i mentioned above. She told me that her system shows everything perfect and there is nothing they can do as if im imaginig the error. This issue still persist to this day.Second, Furtermore, Since the occurance of this probleam, The bank has been declining any monetary transaction via bank account and debit card. Reason was not disclosed to me during my call. So i have lostany access to my money. tried reaching costumer service XX/XX/XXXX for this issue as well, but failed after being put on a hold for terribly long while. m calling form abroad, and its terribly expensive to call. Only thing CS agent could come up is to me going to a store, witch is not possible. need your help, please help me in retriving my account.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (CA)

Its a buy now pay later site, I made XXXX purchases for items and they never showed up the website was deleted and I told klarna they refuse to refund my money, or get me the product..
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (WI)

On XX/XX/year>, I was XXXX  and XXXX  in XXXX XXXX, XXXX ( see attached official letters from the XXXX XXXX XXXX of the XXXX XXXX XXXX, the XXXX XXXX Municipal Police Report and Official XXXX Analysis showing substances found in my XXXX ), and my phone and computer were stolen which were used to fraudulently utilize my Remitly account. In association with this crime, my phone and/or computer were used by those who stole them from me to access my XXXX account, and XXXX separate UNAUTHORIZED transactions were made without my consent or knowledge. ALL TRANSACTIONS BETWEEN XX/XX/XXXX and XX/XX/year> WERE UNAUTHORIZED. 

A total of USD {$15000.00} was fraudulently transferred out of my XXXX account and XXXX has denied my claims and has not returned my money. 

These transactions have the following XXXX  reference numbers : : Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every XXXX of the above transactions was not authorized and was transacted without my consent. I request that these transactions ALL be reversed and that the money be returned to my associated bank accounts for each transaction immediately. I am submitting the attached letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as well as the police report from the XXXX XXXX XXXX of The Public Prosecutor in order to support my claim of fraud and unauthorized transactions. Please find attached both the original Spanish versions and the translated XXXX versions. 

Due to the unauthorized transactions listed above and listed in the attached XXXX XXXX between XX/XX/year> and XX/XX/year>, the associated bank accounts must be reimbursed for the associated amounts per transaction. 

Sincerely,
Consumer complaint received 2024-07-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC. (FL)

XXXX XXXX XXXX - I was in the middle of canceling my XXXX  because they never XXXX XXXX XXXX XXXX and the next thing that happen was they closed their company due to bankruptcy. I was financing my teeth through health care finance direct and they are telling me I still need to make payment regardless if they fit or not until they hear otherwise. I sent them an email stating I want to put in a claim for consumer credit act section 75 as it is a breach of contract. my total amount was {$2700.00} and I put a deposit of {$490.00}
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MI)

I have disputed an account with Cavalry Portfolio Service asking them to validated the account and asked them for their purchase agreement concerning the account. I didn't get a response with a validation or purchase agreement request. The reason for asking for the purchase agreement is I had also disputed this account with XXXX. The results of the dispute with credit bureaus stated ( Meets requirement of the fair credit reporting Act ) The credit report states date opened XX/XX/2021 which looks like when the collection company acquired the collection there is no original date open, no schedule payments made or not made, no date when the account was originally open. They do state that the original creditor was XXXX. I contact XXXX which didn't show anything information in there records and told me to contact the collection agency.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Mediation Service (FL)

An agency called Southwest Mediation Services of Nevada. XXXX XXXX XXXX XXXX has received a phone call on about me ( XXXX XXXX ) getting a potential civil action they are telling me 'failure to respond will result in a law that will result in the processing of the case. '' I just filed bankruptcy and no creditor is allowed to contact the plaintiff. I do not know the company or the debt. This is a scam. They have called my family leaving messages and trying to scare me. I just had the Bankrucptey meeting on XX/XX/XXXX and have been getting these calls even after filling it. I have never heard of the creditor ; they are not on my credit report, and I am not getting statements in the mail. This sounds like a scam The number is XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.