davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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: JPMORGAN CHASE & CO. (MO)

I used to have a gym membership at XXXX XXXX XXXX XXXX, TN that charged {$19.00} as a direct ACH debit to my bank account monthly on the XXXX. 

As I was moving, I used their online form to contact them on or around XX/XX/2023 to notify them I'd like to cancel my membership, which was a month-to-month no contract membership. They did not cancel my membership and I was charged 2 more times, XXXX and XX/XX/XXXX. Calling their phone number results in a voicemail box that does not get returned. 

I contacted Chase in order to get the unauthorized charges back and to ensure that I don't receive any more charges from XXXX XXXX. One department at Chase filed returns on both the XX/XX/XXXX and XX/XX/XXXX charges and then transferred me in order to place a stop payment. 

Once transferred, the Chase employee told me it would be {$30.00} to place a stop payment on the withdrawals from my account. Chase is effectively telling me they will continue, every month, to allow unauthorized charges to my account unless I pay a fee to them to stop the unauthorized charges. Now I am tasked to not only be extorted by the gym that won't cancel my recurring membership for $ XXXX but also by Chase who their customer service supervisor told me I would have to call the claims department every single month in order to have them file a return on the ACH and wait 2-3 business days for the funds to be returned to me, all because they refuse to waive a {$30.00} fee to stop *unauthorized charges*.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra (MO)

Back in XXXX, I invested a little over {$4000.00} in different cryptocurrencies ( XXXX, XXXX and XXXX ) through Abra XXXX XXXX XXXX XXXX XXXX. Today, these investments would be worth around {$12000.00} at the current market rates. 

On XX/XX/XXXX, Abra made an announcement that they have decided to end their retail operations in the US and gave users until XX/XX/XXXX ( 6 days ) to withdraw their funds. This announcement was made on their website and there was zero direct communications to users like myself about this. 

When I tried to withdraw my funds, I discovered that the value of my portfolio is {$0.00} with all of my crypto funds missing. I checked my transaction history ( see attached ) and confirmed that there were no transfers out of my account. Thus, I tried reaching out to Abra 's support team via multiple communication channels ( XXXX, XXXX, support email and support phone number ). However, Abra removed their support number from their site, removed the ability for users to message them on XXXX and their support chat system always states " There are no available agents '' After numerous emails to their support team, I received the following and only response from the Abra team : ********************************************************************** Hi XXXX, Thank you for your message. 

The XXXX XXXX prompt in-app was sent to existing users as early as XX/XX/XXXX. If you had not completed XXXX XXXX prior, any funds left within the Abra wallet are considered lost. 

As you never completed the required KYC ID verification process, your account was shut down and those crypto assets were zeroed out. 

We see that you have since completed XXXX, but this was only completed after your account was shut down. 

This can not be reversed and is final. We apologize for the poor experience this has caused. 

Best regards, XXXX ********************************************************************** I did not receive such notifications/nor warnings from Abra or otherwise, I would have completed any necessary tasks. Thus, I attempted to contact their team again via multiple email messages that went unanswered. 

Regards, XXXX
Consumer complaint received 2023-08-07
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted Transunion and told them that this inquiry are fradulent are provided proof, even though they told me that this inquiry were verifed. Please remove and dispute this fradulent information from my credit report. 
XXXX  XXXX XX/XX/year> 2026
Consumer complaint received 2021-02-05
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. (TX)

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX XXXX and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (LA)

Subject : Urgent Dispute for Unauthorized Transactions - Request for Wells Fargo Bank Assistance Dear Wells Fargo Bank Customer Service, I hope this message finds you well. I am writing to urgently address the matter of unauthorized transactions made under the company name " XXXX '' and to seek your immediate assistance in recovering the funds involved. As devout Christians, my wife and I are currently facing severe financial difficulties, exacerbated by the loss of this money. Our family 's well-being, including our ability to keep our home and provide for our impending child, is in jeopardy. 

I want to stress that I have never authorized any transactions with the company " XXXX. '' The unauthorized nature of these transactions is distressing, and we are deeply troubled by the impact it has had on our financial stability. 

Given our precarious situation, we implore Wells Fargo Bank to promptly investigate these transactions and take immediate action to reverse them, restoring the funds that were wrongfully taken from our account. Your timely response and understanding of the urgency and gravity of our situation are greatly appreciated. We rely on Wells Fargo Bank 's expertise and assistance in helping us navigate this difficult time and regain our financial stability. 

Thank you for your attention and support. We are hopeful for a swift resolution that will alleviate the hardships we currently face. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MO)

XXXX XXXX XXXX XXXX & Ally Bank is in violation of Missouri Laws 408.140 & 15 U.S.C. 1605 ( a ) and the T.I.L.A. in that the price of my vehicle was inflated to give a larger compensation to the dealer and the bank by adding charges ( GAP, Easy Care, Administration Fee ) to the amount financed instead of the finance charge. This is a violation of Truth In Lending Act ( T.I.L.A. ) because Regulation Z prohibits creditors from compensating loan originators for anything other than the credit extended and for steering consumers to unfavorable options for the sake of higher compensation. Fraud involves a false representation of facts intentionally designed to provide the Perpetrator ( person aware of information ) with an unlawful gain or to deny a right to a victim ( person not aware of information ). XXXX XXXX XXXX XXXX & Ally Bank is in violation of 15 USC 6803 T.I.L.A. ( Truth In Lending Act ) in that full details of Ally Bank policy are not comprehensible to affiant with a clear format and design for clear and conspicuous disclosures of policies and practices.This action of Dealer and Bank Fraud has caused damages in my financial forecast and life considering the time and effort it takes to save a portion of my income.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: iQuantified Management Services, LLC (WA)

Good morning, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX I am making a complaint against IQuantified Mg. Services and the creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA My XXXX, through XXXX in XXXX XXXX WA was XX/XX/XXXX XXXX is my primary insurance. XXXX sent me 2 bills, saying that I owed them extra monies. I in fact set up a payment plan for the XXXX and XXXX amounts. The insurance to cover the rest. 

Then on XX/XX/ I received a Collection letter from IQuantified Mge. Services in XXXX, CO to collect for XXXX XXXX XXXX. for XXXX I called XXXX to please contact them, as I was not able to get them XXXX through phone or email. They said they would and that XXXX would get back to me in 5 days.No phone call, no text, etc. 

I in fact never received a written bill from XXXX. It looks like they just decided to send the bill directly to collections. I feel like I am being railroaded. I have an extremely high credit score and don't wish to have a blemish on my score. I always follow the rules, though some arbitrary, but I do. So I feel like I have been scammed by XXXX. 
Please, please help me with this problem. And did they even submit my XXXX XXXX??. Thank you for your time and consideration. Sincerely XXXX XXXX
Consumer complaint received 2023-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the XXXX XXXX statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Consumer complaint received 2023-08-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (CA)

I received a letter from a collection agency called XXXX XXXX XXXX They say I have unroll certain date to pay back a high balance I owe them. For {$1600.00}. For some service and got done In XXXX. This is awful since it shows upon my credit and no bank wants to work with me when applying for a loan. 
I believe and Im sure this was a mistake of identity. One because I have never travel to XXXX second because I dont even know what services was done that they claimed. 
The dates of service are false at the time I was pregnant and wasnt in my plans of travel also the name and last name its registered wrong also my date of birth. I believe is a mistake of identity. 
I contact XXXX XXXX they said they have my account closed and was passed on to Commonwealth collection agency I did a dispute and wrote a letter to them to dispute this issue I send it through post office I got confirmation they did received my letter. You have not heard from them at all. 
Commonwealth Financial System ( XXXX ) XXXX
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

I applied for discharge from my loans through the XXXX and XXXX XXXX XXXX ( XXXX XXXX ) application. They have specific requirements the determine discharge eligibility. One, you have to be awarded XXXX benefits for a term of 5 to 7 years minimum before recertification or reevaluation ( whichever it's called ). Second, you're physician can fill out a page that comes with the application stating that my XXXX are permanent or lasting a certain amount of years. Due to issues I'd rather not discuss I have not had luck finding primary care physician in a few years. I have a XXXX but she won't sign or file any paperwork or documents unless a special appointment is made when she will go over and fill out with me to be sure we are in agreement and both understanding of whatever is being signed. This appointment is not for 4 more months and I am not sure the rules for filing another application for discharge but they denied my application despite my award of XXXX benefits beginning XX/XX/2020 ( I think, I don't remember exact ) they stated I sent wrong documentation. But that was all they sent I have like 8 letters with just that sentence. Denied due to insufficient documentation. I submitted the complete Notice of Award with statement made by administrative law judge that he has awarded my XXXX benefits and recertification date is 5 years from date I legally became considered XXXX by the social security administration. I sent the my " Notice Of Award '' which states XXXX start date and date for review 5 year later as well as what my income will be and when payments begin etc. I got the documents straight from my account in SSA Website. The same legal documents that I have used to show proof of XXXX benefits as well as Doctors correspondence with social security me disabling conditions and statement saying XXXX last over a year to whole life. I don't want to have wait 4 months for doctor appointment to fill out the one page when I legally, according to their own very specific and straight forward conditions that need to be met for an approval for discharge of the loans and I meet the criteria. I don't know what other documents I could possibly send them to prove I am XXXX and judge ruled recertification or review of my case 5 years after start date. It's simple. Their are no other requirements. I am tired of getting denial letters from agencies when, I'm someone who reads all the fine print all the contracts and all terms of service even if it's 100 pages of terms of service before entering a website or creating a new account on some platform. I know exact rules and guidelines according to their own handbook ( or PDF document in my case )
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I filed bankruptcy in XXXX. It was discharged in XXXX. Navient holds my student loans for both my XXXX and XXXX  work. All loans were left out of discharge filings. I borrowed more than the standard cost of tuition while studying for both degrees. I have made regular payments since XXXX with none being late and only a few paused - including during COVID. I also applied twice to have the loans forgiven since I XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have been on income based repayment since XXXX.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.