davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

To Whom It May Concern, I am writing to formally request a thorough review and reconsideration of a fraud claim associated with unauthorized withdrawals from my accounts, following the loss of my personal belongings.

Incident Summary : On an unspecified date prior to XX/XX/2024, I lost my bag containing my phone, debit card, and wallet. Subsequently, multiple unauthorized withdrawals were made from my accounts. The thief accessed my debit card PIN and other sensitive information noted in my phone, which I do not secure with a password due to my long-term memory loss issues. 

Timeline of Events : XX/XX/2024 : Noticed unauthorized ATM withdrawal and immediately filed a fraud claim with Chase Bank. Chase temporarily credited the disputed amount. 
XX/XX/2024 : Following Chase 's instructions, I filed a police report to support my fraud claim, leading to another temporary credit issuance by Chase. 
XX/XX/2024 : Spoke with a supervisor who advised me not to contact Chase further about the claim. 
Concerns : Chase Bank reversed the initial credit, deeming the withdrawal authorized based on their inability to conclusively prove fraud. They have labeled my actions as " negligent '' due to unsecured passwords. However, I contend that the withdrawals were fraudulent and I was not responsible for them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and secure passwords traditionally, which should be considered in the evaluation of my case. 

Request : I request that my case be re-evaluated with consideration given to my specific circumstances relating to my mental health challenges. I believe the decision to hold me liable under these conditions is unfair, and not in line with compassionate customer service practices. 

I look forward to your prompt response and a resolution that considers the unique difficulties posed by my health condition. Please let me know if further documentation is required.
Consumer complaint received 2023-09-25
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. (MN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (NC)

On Monday, XX/XX/2024 at XXXX EST I settled with Ameriassist Solutions and paid {$650.00} for the XXXX  XXXX XXXX account. I want this account take off my credit report and reported as paid.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (GA)

After getting a notification that Wells is changing card companies ( XXXX XXXX XXXXXXXX ), I was notified by Wells Fargo of potential fraud use on my card via text and email. I responded denying 2 charges and accepting 2 others. They canceled card and issued a new card and submitted a claim for investigation. 2 Weeks later I get a letter saying the claim has been denied ( via USPS letter ). Call XXXX # XX/XX/24 XXXX XXXX. Told the charges are " chip '' charges and Wells believes the card chip can not be duplicated. Since the card was in my possession, the fraud claim is being denied. I asked for supporting documents. ( I did not make the purchase they described nor to I know anymore about the purchase than the store name that Wells provided to me ). They said I needed to file paperwork and strongly suggested that it be a police report before the claim would be reviewed for reconsideration. I have 2 issues with this. First, they are placing a burden on the consumer to submit documentation that the consumer doesn't have and must wait for them to provide ( 7-10 days they say ). And 2nd, the police report requirement is a burden on our public resources that simply is not necessary. Wat facts can a police officer gather other than my name, contact info and Wells Fargo info? Is this simply a way for Wells to force a consumer to " give in '' and pay the fraudulent charges? This card has been used for years and no fraud but as soon as they announce a change in card servicers, fraud occurs. Hmmmm, certainly worthy of an investigation.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

I was offered a remote job which was a scam I didnt know. They told they will provide training and equipments for the job. Then they said they will provide with two cheques amount of {$1900.00} which was told to deposit by the company. Then when the check was deposited it one of the check amount was paid to the people whol told me to pay to. The other amount was waiting to be deposited and when for deposited got. To know was a scam job and my check was returned and my amount from my current job as well was deducted from my bank as those check were reported as forgery.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (GA)

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 Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX account XXXX was reported inaccurately and has furnished information that my store card payment was late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Google Compare Credit Cards Inc. (NY)

I, XXXXXXXX XXXX  WAS SAVING VERIFICATION THAT WERE GOING TO SERVES AS EVIDENCES AGAINST PUBLISHER CLEARANCE HOUSE AND XXXX XXXX XXXX XXXX XXXX WINNING WITH FEDERAL AGENCY, AND IN THE COURT OF LAWS THAT PROOF THAT MY  CONSTITUTIONAL  EQUAL HUMANS RIGHTS AS AN XXXX XXXX XXXX XXXX  AND A XXXX XXXX  COMPLETELY XXXX  AND OTHERS XXXX, WERE VIOLATED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOOGLE  BLOCKED MY OFFICIAL EMAIL ACCOUNT:  XXXXl.com AND BLOCKED AND TOOK FROM MY EMAIL FILES ALL THAT EVIDENCES WITHOUT ANY NOTIFICATIONS AND ILLEGALLY.  I HAVE CONTACTED GOOGLE MORES THAN 40 TIMES CONCERNING OF THEIRS ILLEGALLY TAKEN MY PERSONAL INFORMATION, MY FAMILY INFORMATION AND THE EVIDENCES AGAINST PUBLISHER CLEARANCE HOUSE AND MY XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ETHNIC DISCRIMINATION AND MORES.  PLEASE, I NEEDS YOUR HELP IN RESOLVING THIS HUMANS RIGHTS VIOLATIONS AND THEY XXXX  AND XXXX  ABUSES THEY HAVE CAUSE ME.
THANK YOU, SO MUCH FOR YOUR SUPPORT AND HELP.

XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I have an American express Gold card, Not a XXXXXXXX XXXX XXXX. I have spoken over 3 agents to ask for XXXX points because I was led to believe to received them. On XX/XX/2023 I asked an agent if my card To receive these XXXX points you would have to spend over $ XXXX USD So thats what I did, however Amex refused to give them to me and I spent a total of $ XXXX believing I would receive so. I have asked over 2 Times on XX/XX/XXXX and was ghosted by 2 agents. I still have no answer why I haven't received my XXXX points as it has been over 12 weeks since i spent over my $ XXXX on this card. If I don't receive my XXXX points or at least $ XXXX in cash redemption since i was lwd to believe that i would receive XXXX points if i spent $ XXXX I will take Amex to a small claims court.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (GA)

As of XX/XX/, Nelnet began billing me for an alleged student loan I, XXXX XXXX : XXXX allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
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: Experian Information Solutions Inc. (PA)

Experian without reason and without my consent removed the student loan accounts from my credit report. Nobody authorize Experian to remove the accounts. These accounts are part of my credit history and they need to be reinstated with the right balance. THE ACCOUNT WERE ON GOOD STANDING AND WERE CLOSED ON XX/XX/23 AND SHOULD STAY ON MY REPORT FOR 10 YEAR ACCORDING TO Fair Credit Reporting Act.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHACON AUTOS, LTD. (TX)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (FL)

JPMCB card It's on my Wife 's and My credit report. Have nothing with this company. It shows account XXXX... under mine. My wife XXXX shows XXXX a balance XXXX on her account. We don't have no account with them.
Consumer complaint received 2023-12-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

Purchased Google XXXX gift card for {$10.00} from retailer XXXX on XX/XX/2023. Attempted to apply the card to my first Google account, it was denied because my Google account in question for some reason has payment function suspended. As an alternative, I tried it on my secondary Google account, this time it was denied because they required more information to allow redemption of the gift card. I filled out the form found at : XXXX XXXX XXXX Company then sent an automatically generated e-mail saying that due to inconsistencies, the redemption can not be fulfilled. I reached out to the customer service chat, and they likewise said that the decision is final and the card can not be used. There is no refund mechanism, no way to redeem the value of the cards, this is plain theft. Internet search will show numerous results of people having this exact same issue.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I filed a fraud dispute on my account for XXXX these were not my charges and the company has a XXXX liability it says but keeps denying my disputes even speaking to numerous agents and supervisors and while Im on hold the company recording states file a dispute if its not yours. So I did and they deny seems very unfair practice
Consumer complaint received 2023-07-19
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. (VA)

I have contacted XXXX several times have sent certified letters about all the collections an hard inquiry on my account I have ask the to delete these accounts several times because of there improper investigations they did not investigation properly so I need everything thing deleted immediately .Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

I repeatedly made attempts to enroll in auto pay but EdFinancial continues to ignore the request. At one point auto pay was turned on but then turned back off before my payment was due, forcing me to make a one time payment. Because they refuse to enroll me in auto-pay, I lose out on 0.25 % savings on my interest rate. There are many others who seem to be having the same issue with EdFinancial. 

Attached is my proof of requests to enroll in auto pay, and EdFinancial 's lack of setting it up. 


1. XX/XX/2023 - First request to enroll in auto pay 2. XX/XX/2023 Statement says auto pay is not enrolled. 
3. XX/XX/2023 Statement still says I am not enrolled in auto payment. 
4. XX/XX/2023 second attempt to request auto pay. 
5. XX/XX/2023 third attempt to request auto pay. 
6. XX/XX/2023 fourth attempt to request auto pay. 
7. XX/XX/2023 Submitted contact form on website to document my request of why my auto pay was turned on briefly and then turned back off. 
8. XX/XX/2023 XXXX of Ed Financial site that shows I still do not have autopay turned on
Consumer complaint received 2024-01-18
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. (NC)

I applicd for a chase card on XXXX XXXX XXXX  I received an email that same day of them asking for verification of my identity and to upload documents through their portal they sent in the email. I uploaded the documents and on XX/XX/ I reccivcd an email saying I had been approved for the card and that I could add it to my amazon account and use it through there until the physical card arrived. 
MY very first purchase on amazon was immediately declined, my amazon account got shut down and the card was unable to be used as I also lost the {$100.00} amazon gift card that was part of the incentive for signing up. 
When the card arrived ( around XXXX XXXX XXXX ) I called to activate it and was told that it could not be activated and they had to verify my identity. Since that date I have spent everyday, sometimes multiple times a day calling Chase. I have done cvery vcrification they havc wanted and have passed it each time. My card was even activatcd finally, on XXXX XXXX XXXX  just for the same day, to have it denicd when trying to get groceries at XXXX and blocked again. It's on my credit report and affected my score and 1 still can not use it. On XXXX XXXX XXXX  an agent by the namc of XXXX, after asking when my last payment to chasc was, in which i replied that I have yet to make a payment since I have yet to makc a purchasc abruptly stated " That's a great way to makc fraud. 'That 's perfectly fine, l'u blocking the card. Thank you for calling Chase. '' This is so ridiculous and unfair to me and I have spent the last 15 years building a perfect credit score, no collections, no missed payments after having to file bankruptcy when my husband died just for them to slap this on the credit report and make me spend hours trying to get the card unblocked and verify over and over. It feels like a sick game to them and I am in literal tears over it.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I was never late on the paid-off account listed above please show me documentation proof of transaction, showing i was ever late to support your inaccurate reporting on my account if you can not support supply this please delete this alleged late payment from my credit report this is an invalid late payment please note that the FCRA allows 30 days for this to be rectified