davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
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. (FL)

I received a letter from the executive office from CHASE BANK, dated XX/XX/2020. 
The letter is a complete fantasy providing creative statements supporting their view of my purchase of XXXX products and the quantity of bottles ordered. 

Item # 1 Letter from Executive Office Item # 2 Sample XXXX with offer of sample bottle I pay {$6.00} shipping. 

During my conversations with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, starting XX/XX/2020, they tried to convince me that I ordered with a card ( 8 ) eight bottles of KETO product. Also known as XXXX XXXX XXXX. My offer to return the unopened bottles was refused. 

I never authorized the use of my DEBIT card over the maximum of {$7.00}. 

I disagree with the rest of the letter making false statements. 

Item # XXXX XX/XX/2020 My letter ( email ) to XXXX, complaint about their misleading advertisement and my intent to purchase sample bottle with only cost of {$7.00} for shipping. 

Today I called XXXXXXXX XXXX XXXX at XXXX XXXX Customer Care Support. I received this phone from XXXX XXXX from my calls in XXXX. 

The representative stated, if my claim of unauthorized use of my debit card was supported by CHASE, they would charge back the {$250.00} and return my money. 

I was told that the corporate company for the XXXX products is XXXX XXXX XXXX. Registered under XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

CHASE could have charged back my full amount of {$250.00} and returned the full amount to my account. So far CHASE refused my claim and charged back MY checking account for the temporary amount of {$210.00}. 

I request that you continue to investigate XXXX XXXX XXXX at XXXX XXXX XXXX in Utah. Requesting the return of my {$250.00} and reimburse all fees charged by CHASE bank.
Consumer complaint received 2020-11-08
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. (AZ)

I filed a dispute in regard to the items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (CA)

I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX  not feeling well at the early onset of COVID not know what was the matter. I was covered under my XXXX  insurance plan from my previous employer. I was laid off at the time because our office closed down in fear of the spread of COVID. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a XXXX XXXX XXXX ... which was {$120.00} dollars by itself. The Pharmacist was kind and had mercy on me and only gave me 3 of the 30 pills they prescribed based on the size of the stone and charged me {$20.00} bucks. 

This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2022-11-01
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. (MD)

I received a letter dated XX/XX/XXXX from Experian stating that their investigation was complete, and my credit report remains unchanged because the XXXX  and XXXX XXXX XXXX continues to falsely report to them that my account is charged-off and delinquent in the amount of {$10.00}, XXXX. This account was settled on XX/XX/XXXX. I have provided court documentation to that effect. All three credit bureaus have ignored the documentation I have submitted and will not take action against the credit union for continuing to provide false information.
Consumer complaint received 2022-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NC)

paypal account number XXXX amount {$1000.00} i don't know this person or have a pay pal haven't for a long time because of the fraud being done to me when my identity was stolen and the same thing happened with XXXX XXXX i dont have this money so i don't understand why this is happening again got a letter in the mail about this and i want to dispute it thank you for your time
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (NC)

I sent validation request to RS Clark and Associates. Letter sent certified via USPS on XX/XX/2020. Received on XX/XX/2020. RS Clarke Associates sends letter on XX/XX/2020 a balance listed. A second validation request was submitted certified mail via USPS on XX/XX/2020. Letter received XX/XX/2020. RS Associates sends letter on XX/XX/2020 stating 2nd request was a frivolous request.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (NV)

MY DAUGHTER ( XXXX XXXX ) WAS XXXX  IN XXXX AND A BAIL COMPANY PROMISSED IF I PAID THEM BAIL THAT NIGHT THE A XXXX XXXX COURT SHE HAD AN APPEARANCE SCHEDULED FOR THE NEXT DAY WOULD NOT BE NOTIFIED AS SHE WAS TO RECIEVE AN OFFER TO GET INTO A REHABILITATION PROGRAM SHE WAITED MONTHS FOR AND THEY WOULD PAY FOR IT. 
THE XXXX XXXX RELEASED HER ON BOND AND THE NEXT DAY IN XXXX XXXX NV. THE COURT NOTED HER NEW PENDING CHARGES. BUT AFTER WE BOTH MADE PAYMENTS TO XXXX XXXX, .... COVID HIT AND EVERYTHING SHUT DOWN. XXXX XXXX THEN HAD A DIFFICULT PREGNANT AND LOST XXXX OF XXXX XXXX  AT BIRTH. SHE MOVED AWAY AND I ( XXXX XXXX HAD A XXXX XXXX AND LOST INCOME AND WAS UNABLE TO HAVE ACCESS TO ANYTHING DURING XXXX I MOVED ) WHEN SUDDENLY A FEW DAYS BEFORE XXXX I GOT A CALL THAT WAS SHOWN AS SPAM. BUT I ANSWERED AND THEY SAID IT WAS A COLLECTION.. I ASKED WHOM AND THEY SAID A BAIL COMPANY DEBT FOR {$5200.00}. I ASKED THEM TO SEND INFORMATION. THEY SAID THE DEBT WAS GOING UP DAILY FOR INTEREST AND THEY WOULD CALL BACK IN 30 DAYS ... THEY NEVER GAVE ANY VERIFICATION OF THE DEBT AND NEVER CALLED OR GAVE FURTHER NOTICE OR AN ACCOUNT NUMBER OR ADDRESS ... THEN IN XXXX I HAD RECIEVED A CALL AND STATED I HAD COVID AND PLEASE CONFIRM INFORMATION THAT WE MAY ATTEMPT TO HANDLE THE DEBT. HE HUNG UP WHILE ON HOLD. I HAD NO CONTACT PERSON OR ADDRESS OR ANYTING... ..I WENT TO THE BOND COMPANY AND THEY HAD NO MORE RECORDS AND I PROVIDED A MONEY ORDER IN XXXX AND XXXX AND THEY CALLED ME TO TELL ME ALL RECORDS WERE GONE. I FINALLY GOT A NOTICE FROM MY CREDIT WATCH TELLING ME A DEBT IS OWED AND AMOUNT SEEMS TO VARY AND FINALLY A PHONE NUMBER... PLEASE HELP
Consumer complaint received 2020-11-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nelnet, Inc. (MT)

THE DEPARTMENT OF ED/NELNET HAS BEEN REPORTTING CLOSED ITEMS AT TOTAL OF 30 ITEMS, EVEN THOUGH THEY ARE CLOSED, THEY HAVE BEEN OVER SEVEN YEARS AND WILL BE REMOVED. THERE WILL BE NO ARUGUMENT AND DISCUSSION, NELNET WILL REMOVE ALL THESE ENTIRES PERIOD
Consumer complaint received 2020-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nationwide Recovery Systems, Ltd (AZ)

I have relocated to the West Coast and the debt company had my current address as it was verified when I called them. However, they called repeatedly around XXXX and XXXX XXXX. This I am aware is a violation of FDCPA laws.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (OR)

On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. 

I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. 

I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. 

Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. 

This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. 


For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX  to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been subjected to undue stress, XXXX, and mental suffering as a result of the actions taken against me, which has made me feel like I am being bullied and unfairly targeted. I have been trying to fix my credit report for years. Under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, I have the right to challenge any form of debt reported on my credit file and seek validation of such obligations. I have never received any verifiable evidence of any obligation. The stress and XXXX  have significantly impacted my daily life, causing loss of sleep, decreased productivity, and overall emotional distress. If the account is Verified as " COMPLETE AND ACCURATE '' why is there still PAST DUE charge off accounts on my credit report? Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The source of this mental anguish stems from these inaccurate, unverified, incomplete accounts on my credit reports and actions taken that have no basis in law or fact. Charge off as defined in Publication 4681 by the Internal Revenue Service ( IRS ), is considered as income, not a debt obligation. Therefore, it is my belief that the account should reflect a XXXX balance in terms of past due amounts, as it is not indicative of a traditional debt. This discrepancy is causing a misrepresentation of my financial history and have implications on my creditworthiness and has inflicted substantial harm upon my financial stability and personal reputation, arising from the unjust denial of my application with the United States Capitol Police. The rejection is rooted in false and incomplete information reported in my credit report, errors that were apparent and easily verifiable. Therefore, I contest any reported debt until such validation and evidence are provided. The certificate of financial statement should reflect the negative accounting I owe, for example : XXXX ( XXXX ). Specifically stating whether I owe or do not owe any actual red numbered negative amount of debt. If no proof of negative accounting exists, I request that negative reporting cease immediately.
Consumer complaint received 2020-11-08
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. (CA)

I tried to correct my address as the one they have listed as current is an old previous address. The only option available was to cross out the current address and move one of the other 2 listed previous addresses up to current and one of those was wrong and to be deleted and the other was old.
Consumer complaint received 2019-06-27
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)

THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Im attaching my letter for dispute and police report. Transunion must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. Transunion will be sued if I can not get this matter resolved in the number of days per the FCRA.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to Cushman v Iransunion 1997. Iranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681, 15 USC 1681 {$2.00}. 15 USC 16815, 15 USC 1681eb. Delete ACCOUNTs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (IN)

On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.
Consumer complaint received 2020-11-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX  XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

I started receiving phone calls in the middle of the morning on XX/XX/2020 about a XXXX bill I do not owe about around XXXX. I tried to call the collection agency and the number would connect or it would disconnect from service which I though was odd and crazy. I do not have a comcast account in the account above nor is it mine. I tried multiple times to call and discuss this collection bill which started months I got cable with the XXXX cable provider. I was receiving a bills in the mail from Sequium Asset Solution, LLC and applied for a job from them also when they sent me an employment application to fill out. I fill out the application twice but did not hear anything back from this business. I had gave them my personal information which I think they have been using to send me collection bills and to keep calling me in the morning around XXXX and until XXXX at night. Sequium has been sending me unsolicited mail with collection of bills I already paid or already a paid account with no disputes or issues when these companies because I still have my internet, cable and utilities on in my name. They started contacting other utilities and my employer to find my whereabouts and showing up at my house knocking on the door and messing with my car. I don't once this collection bill and they keep sending me collection bills and phone calls. All my bill are bill on time and this company keeps harassing me about a bill not owe to them because I have not been given anytime to pay this so call bill or heard anything about a XXXX cable bill.
Consumer complaint received 2018-01-27
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: EQUIFAX, INC. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXX-acct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX  with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXX-acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

I made a payment on the account XX/XX/22. Barclays put a 8 day hold on the payment and refuse to remove it. It was applied without notice. They are tying up {$800.00} of my money I can not use.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XX/XX/2022, is when the charges began on the checking account in the amount of XXXX dollars. Unfortunately I did not notice the money was gone as we were visiting family in Missouri. the charges were completed and authorized in the state of New York. I have provided Plane tickets with time/dates with both my wife and myself stating we were in MO at the time of these transactions. once the official fraud claim was denied I then went to headquarters to file an appeal and the paperwork was routed incorrectly which put the a appeal another 10 days past. Navy Federal has been unprofessional from the start, I have called numerous times to get a status or to have the appeal worked and they only tell me to wait longer as I'm in que. Once again the claim is black and white I have never used XXXX XXXX XXXX. This money is used yearly for my daughters daycare enrollment fee. Someone committed fraud on my bank card but i feel as navy federal is not protecting me as my bank. I had a similar situation with XXXX a few years ago and it was handled within the week. I have already moved my direct deposit but now currently waiting for the funds to be reversed. Please help with this.