davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

On XX/XX/XXXX I send {$100.00} dollar to my sister using the Remitly aplicacin, my sister never received the money, she went to the bank and they told her no money was sent, they provided her with statements showing her no transactions from Remitly nor United States. Ive been calling but no solution, nothing solved, just the transaction of the day I sent the money. I send them email and nothing either, its been a lot of times that I called trying to solve this issue and they are not doing anything.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

I have been getting e-mails from Paypal addressed to my partner. I want to " UNSUBSCRIBE '' from them but there is no tab to do this. 

My partner died 8 years ago and I did not know he had an account and DO NOT CARE ABOUT THE ACCOUNT. 
I called the company and was told I need to send a copy of the death certificate and documents showing that I am the estate executor, which is absolutely absurd. 

I've never had a desire to deal with Paypal and with the inexcusable process of simply trying to stop the e-mails, I know I never will.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (FL)

Around XX/XX/year>, I submitted a pre-approved personal loan application to BHG Financial via a custom offer on XXXX XXXX. 

By XX/XX/XXXX, a Finance Manager from BHG sent an email with the subject " Your BHG Loan Approval '' and a message stating " XXXX XXXX with BHG. Great news, we got you approved! Is there a time today or tomorrow that we can schedule to discuss everything? Please let me know when will work best for you and congratulations. '' The entire thread of this correspondence is attached. 

I spoke with XXXX and, by XX/XX/XXXX, I had submitted all the necessary information ( via unsecured email ), agreed to the loan terms, and signed the contract. Everything was supposedly set. 

Then later that day, I received a very sloppy email ( also attached ) from a " Funding Coordinator '', XXXX XXXX, who had the professionalism of an inexperienced intern, asking for additional information including 3 months bank statements and another photo ID verification, confirmation of my address, and another email address. 

I questioned why I needed to submit all this additional information when I'd already sent my financial details, verified my ID, and my approved loan contract was already signed. I received very dubious reasoning in response ( see email ) with demands that my loan won't be funded unless I complied. 

So I sent the requested information, again via unsecured email, and confirmed the questions they asked. I only refused the additional " ID verification '' because it actually required me to download a dodgy app to my phone and take photos of the inside of my home that was very creepy/stalkery ( and it wasn't simply another ID verification as stated ). They also pressed again for additional email addresses to contact me and added the requirement to now submit personal bank statements of my husband ( who had nothing to do with this loan ). 

Ultimately I refused providing anything else. I felt very uncomfortable providing so much personal information via unsecured email and especially the requirement of taking photos of my home and sending my husband 's bank statements ( again, he was not named on the loan ). 

I asked multiple times why my loan had already been approved with contracts signed, but then I was required to submit so much more information for it to be " actually '' approved. I never got a clear answer. 

At this point I had lost all faith in the security of this institution and told them to cancel my loan and delete all my personal records ( who knows if they did ). 

I've never had such an unprofessional experience and don't believe they're adhering to banking regulations.
Consumer complaint received 2024-09-26
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 (KY)

On XXXX XXXX XXXX my account was charged for {$100.00}, it was an unauthorized transaction that I was unaware of, once I noticed the charges I contacted my bank chime and told them that I didnt make the purchase. They immediately cancelled my debit card and issued a new card, I was told they will summit a chargeback and let me know the outcome, however within less than a day I got a email saying my claim was denied and I could request a copy of the document that was received from the merchants stating that I made the purchase. I knew that they were lying and immediately call and told them that I never made that purchase and requested a copy the documents that they told me the merchant sent them. I was told that I will receive a copy of the documents by email, after days of not receiving what I was supposed to get, I reached back out and spoke to multiple agents and with multiple back and forth I requested a supervisor who than told me that it was indeed a lie and they never did an investigation or contacted the merchant to get my money back. But was told that legally they dont have to contact the merchant or do an investigation but they decided to deny my request for a refund. I was told by the supervisor that the representative that toke my complaint made the decision to deny my claim without contacting the company or doing any investigation because they are allowed to do that and her agent decision was finalized. She was very rude and told me that I was not getting a refund for an unauthorized charge on my account. By law banks are require to do a chargeback or provide credit back to customers for an unauthorized charge, and are also required to provide documentation.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 XXXXXXXX XXXX XXXX  which falls under XXXX according to XXXXDebt 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC is holding my money. I made a wire transfer of XXXX XXXX  for my child 's tuition. And now they won't release the funds. They won't tell me why or when.. My child will be dropped from college soon. The reps just tell me the same thing. I am just to wait, a supervisor will get back to you, its been approved, it will take a few days, this can take up to 30, 60, 90 days. Someone will.get back to you. We will send you an e-mail. I am very frustrated and angry that they are treating me like a criminal. Not cool. 
I made this transaction XX/XX/XXXX. Since then they have not given me any answers as to what they are looking for, why they stopped this transaction, etc. 
I told them to.close my account and send my back my funds. Again they say it will take 90 days to close my account.????
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

The alleged debt is reporting as a charge off and still has a balance that's inaccurate reporting. And 15 U.S.C. 1681b States they have to have written authorization and they violated my rights. No permission was authorized. No validation of the alleged debt nor any verified proof of any steps taking to verify the debt.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Identity theft and improper use of my credit and information.I have no knowledge of none of these hard inquiries, it wasnt done by me and I never gave any consent to use my credit information From these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I spoke to 9 bank representatives over 2.5 hours on XX/XX/24. None of them knows how to load their credit card into XXXX wallet so I can get 5 % rewards at XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XX/XX/year> stating that I owe a debt. Pursuant to fair debt collection practices act, 15 U.S.C 1692, I am requesting that you provide me with the following information to validate this debt. A copy of the original signed contract or delete this account
Consumer complaint received 2024-06-27
Product: Credit reporting 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: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I previously requested information regarding the debt by LVNV funding LLC reporting to the credit bureaus that XXXX was owed to them as of XXXX. I never did any business with this entity. I also filed a complaint with CFPD former case # XXXX that case was closed due to the company providing FALSE INFORMATION. The company stated that " The Account originated on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXXXXXX The Account charged off on XX/XX/XXXX with a balance of {$860.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$860.00}. Bill statements and terms and conditions on file for the Account are enclosed for review. '' They also stated that the account was charged off. Which is not correct this account is paid and closed and it originated with XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX and last payment date of XXXX XXXX, XXXX with the highest balance being {$850.00} I paid the amount due to the original creditor on XXXX XXXX. Therefore the information provided is incorrect and invalid information reporting to my credit report and is illegal please delete from all credit reports.
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (PA)

I contact Swiss colony about a debt that has been lingering around in my credit report no matter how many times I dispute it so finally I seen the number on my report and I called I told them my name and said to them you guys are reporting on my credit that I owe you all XXXX dollars can you tell me how is this I never did any business with you all and I keep disputing this telling you this was a fraud account so the lady was kind enough to look for this she ask my name and social I gave it to her she put me on hold came back and said your right you do not have an account with us I then said then why is your company reporting on my credit saying this can yall stop reporting on my credit report she said I would love to help you but you do not have an account so you would have to contact you credit report agency and ask them to remove it I did as she said contact XXXX XXXX XXXX  and XXXX which all said they cant take it off I had to contact the company that I have an account with its a lot of back and forward for along time with this account can you please assist me with getting them to remove this that company already confirmed I do not have an account all Im asking is that with that being said about the account is that they take it off my credit report and stop reporting it because its a fraud account
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Before XX/XX/year>, I transferred XXXX points from my Citi XXXX credit card to my other Citi XXXX credit card. 

On XX/XX/year>, I then chatted with customer service to change the Citi XXXX card to a Costco Anywhere card. 

On XX/XX/year>, I chatted to change the second Citi XXXX card to a Citi Rewards+ card. 

Recently, the transferred XXXX points completely disappeared from my account. These points are valued by Citi as at least {$830.00} in cash, and more when redeemed on their travel portal. 

I contacted Citi customer service and they informed me that the XXXX points expired because I cancelled the original Citi XXXX card. This is clearly incorrect, as I transferred my points beforehand, and then product changed it ( so I still have an open account ). 

Furthermore, I never received any warning or notice that this was possible, because no consumer in their right mind would let hundreds of dollars of points expire. The Citi rewards portal did NOT show me any notice either. 

Additionally, even after the points disappeared, there was no trace of their existence on my portal, as if to intentionally deceive the consumer. Lastly, this practice of expiring points is unlike the standard practice of all other credit card issuers. XXXX XXXX pools all membership rewards across all cards, and XXXX does not expire transferred points. 

No consumer would anticipate this deceptive practice, and no bank should be able to remove {$830.00} worth of points without recourse or reimbursement. 

I request that Citi reinstate my missing points, because this practice is deceptive, poorly labeled, and unfair to consumers.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (FL)

Accounts Affected by the Crime FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX Email : XXXX I have never authorized these charges on my credit. I have not supplied proof under the doctrine of estppel by silence, Engelhardt v. Gravents ( mo ) 281 SW 715,719, i presume that no proof of alleged debt, noe therefore any such debt, in fact does not exist.

Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$9500.00} Fraudulent Rental of Apartment or House Company or Organization : XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5800.00} Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2800.00}
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Credit Karma (CA)

I had a Credit Karma Save Account that was closed by Credit Karma. At the time of account closure, the total amount on the account was XXXX. 

After the account closure, Credit Karma was supposed to transfer the full amount of money ( {$220000.00} ) that was on the account to XXXX of my linked banking financial institutions XXXX XXXX XXXX XXXX and XXXX XXXX ). 

On XX/XX/year>, Credit Karma transferred {$100000.00} to one of my linked financial institution XXXX XXXX XXXX XXXXXXXX ). 
Credit Karma also transferred {$110000.00} to my other linked financial institution ( XXXX XXXX ) on XX/XX/year>. 

The total amount of the two transfers was {$210000.00}, which is {$9900.00} less than I was supposed to receive. 

I contacted Credit Karma multiple times on the phone and by email and told them about this situation. They opened a case # XXXX on XX/XX/year> and promised to escalate and resolve it. 

As of today ( XX/XX/year> ), the issue has not been resolved and the amount of {$9900.00} has not been returned to me and every time I communicate with them about it, it feels like they don't know how to resolve the situation or just don't want to resolve the situation at all.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (AZ)

XX/XX/XXXX {$140.00} and XX/XX/XXXX {$190.00} my wallet was stolen and I reported 2 unauthorized charges to my cash app account XXXX XXXX. They denied my request attached.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have information about my education that is supposed to be private on my credit report, Family Educational Rights and Privacy Act ( XXXX ) The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I am writing to request the removal of an invalid Discover account from my credit report and from Discover Banks records. I opened a Discover account between XXXX XXXX XXXX when I was a minor, born on XX/XX/year>. As I was underage at the time, the contract for this account should be considered invalid. 

I have contacted both Discover and XXXX to dispute this issue, but they have not taken action to resolve it. Meanwhile, XXXX and XXXX have already removed this account from my credit report.