davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 


In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OK)

I checked my credit score online at XXXX XXXX and discovered a drop of greater than 80 points due to a recent credit card charge on a JPMCB card services account. I have no knowledge of this account. I called JPMCB customer support and card services, I was told there is no open card listed under my name when I provided my social security number. I am extremely concerned someone has opened a card under my name and caused my credit score a hit.
Consumer complaint received 2022-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (FL)

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.
Consumer complaint received 2022-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Through out the freeze Navient has consistently advised that I had to make payments even though there was a freeze by the government. Also they have collecting/charging interest on my loan when they should have From 2020 to now. They also advised I must redo my IDR prior to what is on XXXX and when you reach out to them they do not answer you in full. They will blame you or anyone but themselves. Prior to 2020 they never told people how to apply for forgiveness.
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX  ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Consumer complaint received 2022-01-25
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. (GA)

I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Credit Union has been very unprofessional to me. The account was opened in XX/XX/2020. And a XXXX loan was obtained with, and deposited in, it. The account was immediately restricted and I was denied access for 30 days due to suspicious/fraudulent activity. I was accused of being part of some group that scammed NFCU based on both my work computer and personal cellphone hardware ID. Their security department told me its not your money anywayyou cant do business with us because you defrauded us in the past. After 30 days of providing everything they requested, they eventually released the restriction. However the investment opportunity for which I obtained the loan was lost. 

Today, I received a text and email of suspicious activity on my account and yet again, my access to the account is blocked. The text and email express the urgency to contact XXXX XXXX immediately, which I did. Only to be told that the Security Department is closed on Sundays, and doesnt open on Holidays ( XXXX ). So, Ill need to call back on Tuesday. So I wont have access to my account/money for 48+ hours. If this was my only account, I would be completely helpless and left with zero financial means. This is unacceptable and a very poor way to treat consumers.
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!
Consumer complaint received 2022-01-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the law the credit reporting agencies are given 30 days to investigate an issue, by law, if accounts are reported to be fraudulent, items should be blocked within 4 business days. In my case neither of these happened and I am asking that the credit bureaus be held accountable and that all the items in question be deleted immediately. My documents, with credit reports and Identity theft affidavit was mailed back in XXXX of 2021!
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (PA)

I have contacted both credit Bureau and company reporting fraudulent accounts on my report i filed police report multiple times i disputed information and also notice this is effecting my credit negatively on two ways not only are the accounts fraudulent they are reporting closed accounts as open and thats a valuation also in its self i demand that it be removed pending a proper investigation and original documents and signature be provided. Lvnv funding llc and cache llc/ resurgent corp collection agencies both ignore my complaints and abuse and violate my rights and has not been held accountable after being informed of this fraudulent reporting. I ask that the accounts be remove immediately.
Consumer complaint received 2022-01-16
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. (MO)

I took out a loan in XXXX with XXXX XXXX for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and XXXX XXXX illegally re-aged this debt.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I am writing to complain about claims I made with bank of America regarding the total amount of {$9700.00} charged to my debit card on various dates. These charges were made after I lost my Bank Of America debit card back in XX/XX/2021.. Below are the unrecognized charges that occurred on XX/XX/XXXX : XXXX : {$150.00} ( XX/XX/2021 ) XXXX  : {$20.00} ( XX/XX/2021 ) XXXX  : {$170.00} ( XX/XX/2021 ) XXXX  : {$1700.00} ( XX/XX/2021 ) XXXX  : {$7600.00} ( XX/XX/2021 ) I received a call from Bank of America XXXX XX/XX/XXXX, to confirm some changes made on my card, and as the agent was going through them I was not recognizing any of the charges. 

The BOA agent opened a claim that day and canceled my lost debit card and ordered a new one for me. He also told me that a couple of charges was being made with my card for a total amount of {$9700.00}. But he will open a case and that my money will be reimbursed while investigations are being conducted. 

I will like to reiterate that I have not initiated the above-said transaction made on XX/XX/2021. However, the original claim I made, had a mistake on one of the unauthorized transactions. Hence, I would like to file a new claim on the unauthorized transaction from XXXX and XXXX only, as I could not recall the exact date where I entered my pin at XXXX. 

I am appealing to Bank Of America to reconsider their decision and to keep their promises of paying me all that money back while they are still pursuing their investigations. Also, you have all the recordings of my communication with your co-workers to verify the veracity of my claims. 

I have tried XXXX attempts to solve this problem with Bank Of America in vain, instead of solving the issue they closed all my account related to them without telling me the reason. 

Hope to hear good news from you as soon as possible because I am relatively irritated and frustrated about this ordeal.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (NJ)

I am XXXX driver. 

Checkr prepared wrong background check report! 

I emailed them more than 20 times but they didn't correct it.

They wrote in the report I was guilty of " UNLICENSED DRIVING. '' However, in the court, I was found NOT GUILTY! ( I attached certificate of disposition, court decision document ).

Because of this wrong information, Checkr labeled my report " CONSIDER ''. 

In XXXX and Checkr language, consider means " NOT CLEAR '' Because of this wrong information, they labeled my report " CONSIDER '' ( NOT CLEAR ), and after that, XXXX deactivated my account!!! 

I emailed Checkr more than 20 times but they didn't change the " consider '' label although I sent them the certificate of disposition!!!

I was found NOT GUILTY FOR " unlicensed driving '' and I WANT CHECKR TO REMOVE THIS " CONSIDER '' ( consider means not clear, not pass ) LABEL!!!

I CAN NOT WORK FOR ALMOST 3 MONTHS BECAUSE OF THEIR MISTAKE.
Consumer complaint received 2022-01-06
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)

In XX/XX/XXXX, I received a call from a man identifying himself as an internal auditor at XXXX XXXX in Texas. He said an account had been opened at xxxxx address in XXXX, TX with my name and my phone number, no other information. He said this was suspicious ( I believe he recognized my CA area code ). I told him that I don't have a house at that address, and I have not been in Texas for many years. I did not offer him my current address or any additional information about myself. I thanked him for the call and he hung up. 

About XX/XX/XXXX a woman called identifying herself as a rep for XXXX XXXX XXXX ( a name or slogan that XXXX uses in ads on the internet. ) She said I had some fee money in an account and she wanted to give me what I was owed. I asked her what account and she gave me the an address in XXXX, TX that sounded like the same one that the auditor had called about. I refused to give her my mailing address and told her I was not the account holder. 

On XX/XX/XXXX I ran a credit report on XXXX. It shows a claim of a past due account at a XXXX, TX address, opened in XX/XX/XXXX. The amount is {$430.00}. The XXXX address is now listed as one of my former residences. 
On XX/XX/XXXX I called XXXX 's Fraud Alert call center and spoke with XXXX. He confirmed that XXXX had the same item reported on my credit report with XXXX. He advised filing a complaint with the FTC. 

My First Complaint is that XXXX XXXX forwarded a bad debt to XXXX that was not clearly attributable to me. My name is common, but my phone number is unique. XXXX did not do an adequate job of verifying the identity of its customer. 
My Second Complaint is that clearly, XXXX 's customer was posing as me to get free electricity, which is fraud. 
My Third Complaint is that XXXX and XXXX ( and presumably Transunion also ) accepted XXXX 's claim of a bad debt against me without doing an adequate review of XXXX 's claim.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.
Consumer complaint received 2021-12-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are Experian, XXXX, and XXXX. Thank you!
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC (GA)

This erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX was transferred to another collection company trying to collect on a debt not owed. 

Asset Recovery Solutions , LLC is attempting to collect an erroneous and incorrect debt on behalf of XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the original creditor for the account ending in XXXX and or XXXX XXXX XXXX XXXX with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by Asset Recovery Solutions , LLC with XXXX XXXX XXXX, XXXX as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor. Asset Recovery Solutions , LLC 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.
Consumer complaint received 2022-04-18
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. (GA)

On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called transition, XXXX and XXXX. Neither one of those companies obliged.
Consumer complaint received 2021-12-21
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The following accounts should not contain any late payments whatsoever : 1. XXXX XXXXXXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX Each of these accounts were open under an open end credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts contained a finance charge, which is the sum of ALL charges. The finance charged was paid when the company required my credit card ( social security number ) to open the account to begin with. Thus, the account was paid in full and shall not contain any late payments.