davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

So recently I had numerous of charges that were on my credit card that were fraudulent. I went ahead and made a dispute with my bank in order to have this rectified, and I was told that they were proceeding with the claim and they would do an investigation after doing my claim couple months later, I get a letter from Chase credit card indicating theyre going to go ahead and close out my account due to this fraud claim that I have submitted Im confused why they give you an option to file a fraud claim when someone is using your account without your knowledge, Ive been trying to do everything in my power to have this fixed with Chase credit card And they failed to do so they are just giving me the runaround and not trying to have this fixed or reinstate my account. This is stressful and an inconvenience for me.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (GA)

XX/XX/year> XXXX Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim that I owe you money and requesting validation. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. This is a request for proper validation, not mere verification of my address or any other superficial details, as mandated by the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under state and federal statutes. Debt validation includes the following : Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide documentation that demonstrates I am legally obligated to pay this debt. What was the original date of delinquency for this account? Provide the agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your receipt via certified mail, or a complete removal in writing of your claim from my credit profile. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also reserve my right to take private civil action against your company to recover damages. I hereby notify you that you do not have my consent to communicate with me through any means. Furthermore, I did not authorize you to obtain or possess my personal and private information. Any such actions constitute aggravated identity theft. Additionally, I did not authorize you to report my information or name to any consumer reporting agencies. Failure to comply with these directives will result in legal action. In addition, the Fair Credit Reporting Act states that during the investigation, you must indicate to the bureau that the account is under dispute and cease reporting this information to the Credit Reporting Agency until full validation has been completed. A copy of this request for validation has been sent to the XXXX national Credit Reporting Agencies to begin their 30-day investigational process concurrently with your own. 


THEY ALL SO SAID THERE WAS NO LETTER SENT TO THEM I SEND CERIFIED MAIL ON XXXX XXXX
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX and I went onto Experian two months ago to check my husbands " FREE '' credit score. It cost me XXXX dollar, and through the fine print when you agree to their terms, what you must weed through is that they'll charge you {$21.00} each month automatically. I found that out today when I checked my bank statement. I explained that it was a misunderstanding and I didn't intend to join any membership that I only wanted that one free, that wasn't free, credit report. I asked for the two months they had deducted refunded. The representative was authorized after arguing to refund only one month. Since Experian is supposed to be a trusted company that has the world at their mercy for credit reporting, I expected that they would make it right. The supervisor XXXX, who isn't required she said to give her last name, but badge number # XXXX, told me that the only refund she would be giving me, after several try 's of asking, would be one month, and not two as I asked for.

Experian I have learned today is a for profit company and can't believe they've not been re regulated on how they operate as they have the fate of everyone 's financial reputation in their hands. They are tricky and know they can't be touched.

They refunded one month of {$21.00}, and I would like the other month refunded as well.

I expect another refund of {$21.00}. When they sent their e mail confirming cancellation, the generic print states, " If you are due a refund, please allow a few weeks for the refund to be reflected on your credit card statement. '' This was the first cancellation e mail. Clearly, they're used to giving refunds to others that aren't clear about their SIGN UP policy. Additionally, when you call the CS number, the recoding will hang up on you if you don't immediately enter you social security number before they connect you. Very scary in these times, but I did it anyway after their phone system hung up on me three times because I didn't want to give any information until I had a human on the line. I want my second month refunded additionally of {$21.00}.

After they sent a cancellation e mail, they sent one that says welcome back. Wow. Horrible company.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Assured Financial Partners (MS)

Assured Financial Partners contacted me stating they bought my credit card account from XXXX XXXX  I paid this company {$1700.00} in 3 payments to pay balance in full. XXXX XXXX is sueing me for the same bill. I have to go to court XX/XX/year>. I have tried contact this company at number provided and it stays busy or wants you to leave a message. I dont have the money to pay it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My account got closed in XX/XX/year>. I sent XXXX emails to the executives but I didn't get a response from them for about a month, I tried to ask them why my account was closed even though I didn't do anything suspicious or violate anything and I never received any complaints from anyone. I was just continuing what I was doing for a year : play online games or do trade in the game with friends/acquaintances. This is not a business or something just a casual thing I do to support myself while I XXXX But they just told me that their decision to close my accounts is final and they won't explain why.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>. XXXX accessing my TransUnion credit report. I attempted several times at different times to access my credit report and score and has been unable to do so. Please refer to upload.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MD)

A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is not accessible. I am unable to confirm if my credit freeze is in place with Transunion. Background : I received notice from my paid identity theft service that my SS # was found on the dark web. XXXX and XXXX were easily accessible and log-in and confirmation of the freeze was as expected. Transunion was impossible to access using NUMEROUS login attempts and two phone call attempts. Worse, the phone robot required me to voice private identification information including my FULL social security number which caused XXXX  about whether or not the phone messaging is legitimate. 

Since I can not access help from Transunion, I turn to you. Please advise. 
Sincerely, XXXX XXXX XXXX XXXX, NC
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CO)

My student loan was with XXXX XXXX, XXXX was my loan company. XXXX has now changed its name to XXXX. My loan should have been forgiven completely because my college was fraudulant- we were told by XXXX XXXX XXXX that these loans would be forgiven. Now XXXX is sending me letters saying my loan is past due and they want to " help '' me. XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2024-08-05
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. (PA)

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 XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2023-07-09
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: TD BANK US HOLDING COMPANY (AZ)

Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money. 
Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due. 
Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX. 
I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense. 
If they cant even send me a bill- do they have a right to report me? 
and why did my credit fall so far? 
and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay? 
thank you so much. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MO)

I placed my check in the mail on XX/XX/XXXX, freedom mortgage held my check for a minimum of 6 weeks without cashing it. Sent me 4 letters of late payment, contacted my bank in regards to a late payment which dropped my credit score by XXXX points. I received my XXXX statement showing a double payment, assuming they lost my check, I mailed the double payment. They cashed both checks within a 24 hour period. Emptying my savings account and putting me in overdraft. When I contacted them, they blamed the post office. 2 letters mailed 30 days apart don't arrive on the same day. Statistically impossible. This is the XXXX time they've lost my check since buying my house.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed above. It's my right as a consumer to receive a credit report that is always XXXX accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Receivables Management Partners, LLC (IN)

On XX/XX/XXXX received a copy for a judgement through mail. Was never served properly for the summons. Called the company made payment arrangements took the payment and told by the representative I did not have to go to court as that would be not going through since set up arrangement even made payment before court. On Friday XX/XX/XXXX received notification from court on full amount saying I have a judgment even though already paid and have auto payments being taken out. I was guaranteed no court and no judgement since able to settle prior to moving forward. They are not honest and even tried calling my job to scare me into paying as though theyd let my job know.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-05
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/year> I received a promo ( XXXX ) from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  offering {$600.00} if I opened an account with specific conditions. The reward consisted 2 parts. Get {$300.00} if I opened an account with XXXX and .make a qualifying direct deposit ( s ) totaling {$2500.00} within the first XXXX days.you qualifying direct deposits must be electronic-type deposit, including but not limited to, a paycheck or pension from your employer, government benefits ( such as Social Security ) , or other affiliated depositors. Another {$300.00} is rewarded if I produce XXXX debit transactions. 
I have received similar promotion in the past from XXXX XXXX XXXX XXXX XXXX and in each case I checked to clarify with banks what transactions qualify as direct deposits. With XXXX I actually checked twice because the amount of deposit I had to come up with was pretty high ( {$2500.00} ). I called XXXX and stopped by the closest office ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both phone and in office person told that wire transfers are direct deposits. 
On XXXX XXXXXXXX XXXX I opened a checking account XXXX On XXXXXXXX XXXX XXXXXXXX I wired {$2300.00} from my company XXXX XXXX XXXX XXXXXXXX XXXX ) business account. I do not have a payroll because I do not have employees. I am self-employed, one man firm specializing in travel, and when it is slow I also do handyman work. The wire was a payment distribution. In addition I had XXXX payroll payments for handy work for {$180.00} ( XXXX XXXXXXXX XXXX from XXXX XXXX ) and {$200.00} ( XX/XX/year> from XXXX XXXX XXXX ). The total amount of direct e-deposits is {$2600.00}. I have met bank condition for {$300.00} reward for deposits. 

The XXXX did paid {$300.00} reward on XX/XX/year> for fulfilling XXXX debit transactions condition. But there was no reward for making {$2500.00} direct deposits? 

On XX/XX/year> I sent a note to XXXX asking where is the other {$300.00} reward. I also called. I got an e-response back saying that I need to wait till XX/XX/year>. 

On XX/XX/year> I received a phone call from XXXX. I spoke with XXXX XXXX. She said that my wire transfer is not a direct deposit and for that reason I am denied a reward. 

I am requesting assistance to get XXXX XXXXXXXX XXXX  attention and fulfill their advertised promotion. Having same bank XXXX person saying one thing, and another denying is horrible practice. How can you trust the bank after that?
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

So I have some personal loans and balance transfer offer ( {$12000.00}, Which I used ) from the Citi Bank, the personal loan is less than 10 % rate and the balance transfer offer is 0 % interest rate by XX/XX/24, on or after XX/XX/24 it will be 29.99 % interest rate. On XX/XX/24, I paid Citi bank the balance transfer full amount {$11000.00}, their system didn't have the option for me to select which payment I made, but from the call I talked with the bank representative before, the payment will be paid the highest rate loan/product first, which should be the balance transfer. Now I can see the system used my money to paid the personal loan but not the balance transfer, and they charged me the interest ( 29.99 % rate ) for the balance transfer because it's not paid off in their system. 

Now they keep charging me the 29.99 % rate every month and I don't have extra money to paid it off.