davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 my email account was hacked in order to create and open a XXXX account. Once the thief created and verified a XXXX account through my email inbox, my Chase credit card was used to place an online order through XXXX The theft purchased a gaming laptop in the amount of {$2400.00} and requested to pick up the laptop at the XXXX, Illinois location later that night. The laptop was picked up at the XXXX location at XXXX on XX/XX/XXXX. I immediately reported it as fraudulent through Chase credit card and both my card as well as my wife 's credit card was frozen and new cards were issued. I have frozen my credit and placed credit monitoring through all three bureaus. Chase and XXXX investigated the events and found that because ID was required to pickup the laptop, I benefited from the transaction. No proof of ID or documentation was provided to support this finding. 

I filed a police report with XXXX XXXX Sheriff Department. 

Additionally, I went to the XXXX, Illinois XXXX XXXX store and talked with Customer Service on XXXX. The store associate said that another customer was in there a couple of days ago saying the exact same thing happened to them. XXXX fraud protection as well as going to the store yielded no results to get proof that any identification was used to pickup the package. 

In summary, I did not purchase or take receipt of the laptop and Chase has refused to refund the money as well as open any additional investigations into the matter. XXXX XXXX has been unresponsive in resolving this matter as well.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (CA)

I was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access my credit report.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (DC)

Fortiva sent me a credit card. XXXX days ago. The card has never been used and is inactive. A jealous employee who is jealous for no reason put a suspension on the card XXXX days ago for no reason. XXXX XXXX employees have been bullying my account there intentionally. There are no recent reports made on my behalf on my account. They did this without reason. First they blocked me from making payments. Then they blocked me from using the card after it arrived. I can not keep begging to use my card.The are not being reasonable.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiries : 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 TRANS UNION XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

On XX/XX/XXXX, National credit system sent me a validation notice letter regarding a debt owed to their clients the XXXX XXXX XXXX One for {$600.00} account number XXXX and the second for {$7500.00} account number XXXX. The letter stared that I have until XX/XX/XXXX, to dispute all or part of the debt. Please see PDF exhibit 1 and 2. 

On XXXX I responded by certify mail requesting for a validation letter. Exhibit 1 and 2. According with the tracking number attached they received the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received another letter from national credit system stating that they want to resolve this issue if I pay 50 % of the debt. I responded asking for a validation letter. Please see exhibit 3 and 4. They should receive the letter according with the tracking by XX/XX/XXXX. 

On XXXX XXXX I got an alert in my credit report that national credit system has reported the accounts as derogatory to the three major bureaus ( XXXX, XXXX, XXXX ). The same day I called XXXX, XXXX, XXXX to begin a dispute. 

The same day I contacted the national credit system to request to remove the mark until the debt has been validated. They said that they have been trying to contact me since XX/XX/XXXX. I never received any letters, phone or electronic message before from the national credit system or their client ( XXXX ) regarding this debt. They were very rude and unprofessional. I was constantly interrupted by the agent, making it impossible to communicate. He took my e-mail address and stared that they will e-mail me a validation letter in 24 hrs. Until this day i have not received any correspondence from them. 


On XXXX my husband received a letter from them regarding the debt. They stated in the letter that they will soon report this account to the credit bureau if he did not respond asap. Please see Exhibit 5. 

I want to mention that my husband ( XXXX XXXX ) was never contacted before regarding his debt, never did he receive a validation note, a phone call or an electronic notice. We requested a validation letter. Please see exhibit 5.

We did not know about those charges ; we were never contacted by the XXXX XXXX regarding this debt before it went to collection. rented for them for 3 years and we always paid on time.

I want to mention that we were approved for a mortgage loan, and we will be closing at the end of XXXX. I am afraid we won't be able to close due to their allegations. Please let us know if you can help us. 

Thank you so much.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access my credit report.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX I checked into the XXXX XXXX & XXXX in XXXX XXXX for a 3 night stay. A $ XXXX/day hold totaling {$150.00} was held for a deposit which i used my paypal cash card to put the deposit on. I checked out on the XXXX which at that point XXXX released my deposit & gave me the final total minus the {$150.00} hold. On the XXXX of XXXX I went to the front desk & asked if they could give me a copy of the transaction & fax the release on their part 2 paypal cuz that's what PayPal was asking for so the XXXX XXXX did just that with the XXXX letterhead along with the fax confirmation with the cover sheet which I have a copy of as well showing the fax was a success. Was told that once they received the fax that funds would be released within 24-48 hrs which I have yet to see. The fax was sent on the XXXX of XXXX so I contacted them today by way of text per instructed by customer support becuz their phone system was down due to virus so i contacted them about my {$150.00} deposit. They kept telling me that a fax had to be sent by the merchant ( XXXX  XXXX ) on their letterhead which had already been sent stating that they had charged what they charged me for my stay & that the deposit amount needed 2 be released back to me. As I'm trying to explain to them about this issue I kept getting told I was being connected to somebody totally different who would tell me the same exact thing about how the fax needed to be sent by the merchant. I have the confirmation sheet that shows it went thru to them & I want my money back that they owe me. They just keep giving me the runaround. Which I have another {$150.00} deposit that is due back 2 me when I checked out on XX/XX/XXXX from another 3 night stay which I'm sure will be the same way with them acting like they don't have anything from XXXX XXXX. In a 30 min or so conversation i was connected with 5-6 different people over the same issue which i had to keep explaining the same thing. I have all the text messages between me & the 5-6+ people I was transferred to & the fax document from the Hotel if you need those at a later time.
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (NY)

Today CashApp took a little over {$210.00} from my account. I deposited {$250.00} into the accounts that already had {$12.00} in it because I had a payment coming in the next day for {$260.00}. I looked into my account and only saw {$44.00} left along with my payment being declined for low funds. That {$250.00} was taken from my XXXX checking account. Now I will have to pay interest on that and have to shell out another {$250.00} to make my payment. Thats now {$500.00} that I do not have to just spare. I work two jobs just to get by. I dont have the money to just throw away. Cash app said that it was for 3 previous transactions taken out on the same day. That is incorrect as I saw those transactions being taken out the same day. Now Im being charged for them again. Cash app says that the transactions went through on the same day and my payment to XXXX for {$260.00}. That is also false as their dates prove otherwise. 

I also didnt get to mention this but I had put money ( {$230.00} and {$340.00} ) into the account twice after those XXXX charges. The XXXX charges that were taken out previously. If it had an error, why did they not take the money out then. I dont get what cashapp is doing but it is robbery. 

This is the second time theyve taken money from me but this is way too much. Its affecting my day to day life now as my checking account will be overdraft by the end of the week and Ill be charged overdraft fees everyday until the end of the following week since I wont be paid again until then.
Consumer complaint received 2022-12-14
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. (FL)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

***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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 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 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

This is actually XXXX things simultaneously ( harassment and debt already paid ) Nationwide Credit Inc has continued to call me and harass me about a current and paid as agreed XXXX XXXX Account, that is OWNED BY XXXX. 

Nationwide Credit has called me 14X after I stated do not call me. 

Nationwide Credit is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with XXXX. 

Nationwide Credit today, called me about my XXXX XXXX account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : NCI Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, NCI continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

XXXX XXXX is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at XXXX XXXX. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through NCI. They just started calling me one day.

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

Source Receivables MNG XX/XX/2019 {$2.00}, XXXX I do not recognize this debt. This account looks like it may have been included in my claims against identity theft. This creditor has been notified and challenged on this. Yet has yet to remove this debt.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-11-06
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. (SC)

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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. Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.