davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (UT)

On XX/XX/2021 a transaction from XXXX hit my card for the amount of {$3200.00}. I did not authorize or make the transaction. I logged into the Citi website and marked the transaction as fraud. Later I logged in and noticed the dispute button was still there so I hit the dispute button again. The dispute then showed up on the Citi website as a canceled transaction dispute so I called Citi a couple of times and validated a couple times that they have it marked as fraud and I was told it was noted on my account that it is fraud. I re-emphasized that I did not do the transaction. Citi has now marked the dispute as resolved and said I owe the money because of the terms and conditions for XXXX. I did not agree to any terms and conditions because I didn't purchase anything. On XX/XX/XXXX I was sent a message they are still looking into an unauthorized transaction on my account and then on XX/XX/XXXX they close it and say I owe it because of terms and conditions. See attached document labeled Investigation Update for the letter showing they knew I reported it as unauthorized. See the document labeled Investigation closed where they reference terms and conditions I didn't sign. And finally there is a document labeled chargeback request that is attached. In that document it shows that the booking was for XXXX. I did not book anything to go to XXXX. It also has the name, email address and phone number of the person that booked and accepted the terms and conditions. That person is not me. It is not hard to see that the name in the charge back request document and the name on my credit card are completely different as well as the email and phone number. I feel like Citi has broken laws by not refunding me for the fraudulent charges. I feel like they also have broken laws with marketing which lists on their website that I am 0 % liable for fraudulent charges. Citi did not perform due diligence on my report of fraud on my card. I am not going to play the back and forth game with them this needs to be resolved now.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I pay my Huntington credit card through XXXX XXXX XXXX XXXX every month. The payments have been submitted to the same address Huntington provided us for the past five years without issue until XX/XX/XXXX. My payments are auto withdrawal from my account via XXXX XXXX each month and they sent the XXXX and XXXX payments as normal however Huntington never credited my credit card account. I initially called XXXX XXXX to inquire about this in XXXX and left a message for someone to call me. I was not able to talk to them the day they called back and due to a family situation I did not get back in contact with them until XXXX. I received another late notice from Huntington and called XXXX XXXX. XX/XX/XXXX we finally were able to speak to XXXX with Huntington and explained the situation, 2 case numbers were opened for each missing payment. XXXX stated that my payments were going to wrong address and provided corrected address. Asked why after 5 years of sending to address provided initially and no issues that all of a sudden my last two payments werent posted even though they cashed the checks ; she couldnt explain. XXXX XXXX sent Huntington copies of the cashed checks and was told it would be resolved in a few days. On XX/XX/XXXX nothing had been resolved yet and on the XXXX called again ; they said they were still reviewing the informationwe provided the proof of the received checks and them being cashed but they didnt post payment to my account. They turned my account into collections which dropped my credit scores by over XXXX points. On XX/XX/XXXX, we called again because I received another late payment notice. We spoke to XXXX and she said both case numbers are closed and payments posted as of XX/XX/XXXX and XX/XX/XXXX ; only one payment shows posted and not per dates they stated. She stated that my account was current and I need to contact collections to clear things up. I explained they need to do this because this was their error not mine. As of XX/XX/XXXX, second payment they claimed was resolved is still not posted and now Ive received notifications from other creditors that they have decreased my credit limits because of this situation and the whole collection thing. Their error is ruining my credit with other creditors and not by any error on my part and Huntington said its not their responsibility to fix it.
Consumer complaint received 2021-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Back and.forth emails about XXXX XXXX procedures and deflecting resolution to myself and my employer. No action to contact their partnered XXXX XXXX to research and assist me Opened new Chime account for payroll direct deposit set up through our company 's employee self managed direct deposit payroll portal. Account was immediately live to remit XXXX. Pay date was XX/XX/XXXX and no funds deposited as of XX/XX/XXXX and confirmed all week no rejection was received by my employer. 50 emails to support and no resolution
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these XXXX communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Consumer complaint received 2019-06-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (TX)

I tried to open a joint savings account with my spouse " XXXX XXXX '' but it was rejected. I was asked to reach out to XXXX XXXX. From them ( XXXX  XXXX ) I come to know that there is a balance of {$2400.00} which is not paid by her ( XXXX XXXX ) and that's why the joint savings account can not be opened. 

But this was already paid ( more than 90 days back ). So why in the world Ally bank is doing all this? I have the entire emails regarding this discussion. All the transactions are also been recorded. 

It seems that Ally Bank has no idea what they are you doing?
Consumer complaint received 2021-10-16
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. (FL)

I opened my credit report and i got shocked, how this account popped on my credit. I never sign any agreements or contracts with this company, i don't have any documents from this company which proofs that its my account.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (IN)

I got help from Lexington Law to help me remove a couple of items from my credit report. On XX/XX/2021 they charged my bank account {$120.00} for their monthly services, which was fine, I expected to have to pay that ... But I called to cancel my account with them after just a couple of weeks because they had accomplished what I needed for them to and so I wouldn't be needing their services anymore. They never emailed me anything to give me a bill or an account number or anything, so naturally while I was speaking with one of their customer service representatives, she was unable to find anything in her computer on my case. She said that there was nothing more that she could do for me. I thought, well maybe I had already called and canceled it at some point and had just forgotten, because I had had to call on several companies to cancel things that I was no longer using, trying to clean up my credit report and other things because I am wanting to purchase a new house soon. And then on XX/XX/2021 they charged my bank account another {$120.00}.
Consumer complaint received 2019-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CO)

I was enrolled in Chase Sapphire Banking 's welcome promotion in XXXX. The term was 'Transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ' to earn XXXX Ultimate Rewards Points bonus. 

I transferred more than {$75000.00} ( through cash and investment account ) at the end of XXXX and maintained that balance more than 90 days till XXXX. During that process, I called multiple times before and after the deadline, to confirm that I am eligible for this bonus and was told I should just be patient with the points being deposited to my account in XXXX. 

I waited and waited and finally gave them another call in the beginning of XXXX, because I do not see the points being deposited. And was told that I didn't meet the requirement because my balance reached below {$75000.00} for one month. I asked for a internal dispute as I never moved money out of that account during that period. They promised to reach out within 5 business day with the result. As of XX/XX/2019, 10 business days later, I still have not heard from them. I am disappointed in the level of service provided by Chase but more importantly how they failed to honor their promise over and over again.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX- # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportinq agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-15
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. (NY)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (TN)

On XX/XX/XXXX I made a XXXX transfer from my Ally bank account to a payee who has a bank account at XXXX XXXX. On XX/XX/XXXX I received a confirmation from Ally that the credit to the person was processed, however according to XXXX XXXX the money has not arrived. I tried to contact Ally customer service several times and they say that their part is done. When the other person contacts his bank they say the money has not arrived, which means the money seems to be lost and now I will have financial burden as I will have to make another transfer.
Consumer complaint received 2019-06-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

We had our mortgage through Pacific Union Financial until this year when Mr.Cooper bought them out. Our account was ready in XXXX when we started making our first payment. I made the first payment through auto draft. I did not notice until XXXX that XXXX XXXX Payment was reversed. I went ahead and sent both payments in and they were both reversed around the XXXX of the month. I tried contacting them and they didn't know what was going on and said to contact my bank. I still did not hear anything back and was scolded by a customer service rep for being late on my mortgage when it was their fault. XXXX comes around I try to make another autodraft payment and it was reversed again. At this point I was in a loan modification that is still going on back and forth because they have lost my paperwork twice. XXXX rolls around someone at Mrcooper finally informs me that I can make a wire payment with XXXX   XXXX or XXXX XXXX. I tried both for several hours online and at physical locations. They did not accept it so I sent the payment in the mail to find out they are sending it back now. I feel like this mortgage company is a scam and they are just trying to make me go into foreclosure because I have XXXX equity in the home.
Consumer complaint received 2019-06-23
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: EQUIFAX, INC. (FL)

I applied for a XXXX XXXX secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , Equifax and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , Equifax , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, Equifax, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HYUNDAI CAPITAL AMERICA (NY)

I was instructed to make final payment with a personal check after canceling automatic withdrawal payment, the personal check payment for {$240.00} cleared on XXXX XXXX on XXXX XXXX KMF also withdrew funds from my checking account. I reached out to the company immediately after seeing the error and they said they are unable to reverse the error.
Consumer complaint received 2019-06-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (VT)

WorldRemit case # XXXX. I sent {$1500.00} to XXXX XXXX XXXX XXXX  XXXX. XX/XX/2019 for their visa and air plane ticket package. XX/XX/XXXX they received payment. XX/XX/XXXX they said operation takes 14 to 21 days. XX/XX/XXXX they requested {$7400.00} to {$15000.00} more. I refused. A week later they asked for {$930.00} more and I refused. They said they would not contact me again until they received the money. 
I complained to WorldRemit and XXXX was assigned case XXXX. I called up the credit card company, XX/XX/XXXX they said they would look into it. XX/XX/XXXX I got an E-mail from world saying they closed my account. 
I think the credit card company called WorldRemit to see what pressure can be applied to get the money refunded. They decided to blow me off, and this is why I am contacting you.
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC (TX)

I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that XXXX XXXX, who passed this law along with my congressman, was not to be called XXXX. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention? 

Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how XXXX XXXX XXXX is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Barclays closed my credit card account due to inactivity. I have about {$15.00} rewards with them and I can't get the {$15.00} because you need at least {$50.00} to redeem. I called and said there is nothing they can do. I asked to file a complaint and the agent said she will file a complaint but not let me know what would happen to the complaint ( no record of emails, etc. ) It's my money! Can't they send me a check or something?
Consumer complaint received 2022-08-24
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)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-24
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions