davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year>, two charges were debited from my checking account, both from the same merchant. XXXX XXXX XXXX XXXX processed a charge in the amount of {$56.00}, and {$56.00}. I only authorized one of the charges and called Chase to dispute the other since no goods or service was provided to me personally for the second charge. Chase provided a temporary credit. On XX/XX/year> Chase reversed the credit and caused my account to overdraft, putting my account negative. I called and spoke to two representatives and demanded to have the credit placed back into the account since it's obvious that the merchant is making unauthorized charges. Chase refused to uphold my federal banking rights to effectively dispute erroneous charges through my Visa debit card.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Hello and good day, it's been months and my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX Account is reporting on XXXX, XXXX, XXXX as closed. This account is fully paid in full with Zero ( 0 ) debt owed to company. This reporting is taking an Affect on my credit report from all bureaus and needs to be removed as it is paid in FULL. 

U.S.C 1681 ( a ) -In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions.
Consumer complaint received 2024-09-02
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I write today as a highly distressed, XXXX U.S. Consumer, after recently reviewing my credit report and noting an egregious amount of misinformation on my credit report most of which are now in dispute per tradeline. You will note my distress, when upon pulling my credit on or about XX/XX/XXXX, I noted several unauthorized accounts reflecting on my credit report, as well as several accounts at or near the legally required Age-off ( 5-7 years ), which are still reflecting on my Credit File. My emails and requests for urgent assistance continue to go ignored, meriting immediate and direct contact at this stage! 

To date, please be advised that I have requested the removal of several ( 10-20 ) either unauthorized or inaccurate items reflecting on my Credit Report including but not limited to : I. Multiple erroneous collection accounts ( XXXX XXXX XXXX, XXXX XXXX, etc ) XXXX. Multiple accounts which are past due or nearing the legal requirement for aging off of my report ( 5-7 years ) : XXXX Accounts, XXXX, and several collection accounts per original creditors Date of First Delinquency ( XXXX ). 
XXXX. Multiple unauthorized inquiries related to auto loans, between XXXX - XXXX, XXXX. 

Please contact me urgently and immediately to aid in the immediate removal of the aforementioned items in question, prior to commencing a Grievance with the following agencies : I. Attorney General Public Inquiry Unit II. Federal Trade Commission ( FTC ) III. Consumer Financial Protection Bureau Enforcement Investigators IV. Local media Consumer Investigative Producers & Reporters to aid in urgent resolution Please be advised that it is grossly unacceptable that the reporting agency continues to arbitrarily deny my disputes and request for removal of these items, pursuant to FCRA & FDCPA. This matter is extremely time urgent, and merits urgent remediation at this level prior to any and all aforementioned Civil and Consumer actions. I have resisted several times to have an Executive level case manager contact me to resolve this urgent matter, and continue to be ignored outright. This matter is now extremely time urgent. 

Thank you for your immediate response & commitment to resolution at this level.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Dear Portfolio Recovery I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of Title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from Experian, XXXX, and XXXX immediately.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Automotive credit XXXX Account reporting references late payment. Payments are on auto pay and they take the full amount out the XXXX of each month. However, for XXXX, they referencing {$43.00} still owed. Attached documents showing the month of XXXX XXXX and XXXX showing the full amount as agreed-upon taken out of my bank account and paid XXXX auto pay. The XX/XX/XXXX payment if it was not paid would only be a week and a half late at this point not even XXXX days.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (NC)

I disputed several items that were incomplete and incorrect and requesting validation and removal of all incorrectly reporting information. I mailed out 3 letters to Santander Consumer USA dates are XX/XX/year>, XX/XX/year>, XX/XX/year> and its been over 90 days and still I have not received a response or correction and demand immediate removal based on it being more than 30 days and no response. This incorrect reporting has caused a major hardship preventing me from being able to secure a home due to credit score being affected by this incorrect information and negative reporting.
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

" I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> about XXXX XXXX. I deposited a check for {$7800.00} with a teller inside the Chase Bank in XXXX XXXX, XXXX. I went back and checked my banking application and it showed the deposit and everything was fine. The XXXX XXXX XXXXXXXX when i checked my account, there was no evidence that a check had been deposited. It show the {$500.00} withdrawal that I made but no deposit. I went to the bank today XX/XX/year> to inquiry about my money. They show me that the check had been deposited but they had so ideal what happened to the money. No transactions were made from my end but they could not tell me where my money is. According to the bank, the checked was deposited but they don't know what happen to it. They told me to go home and wait.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

On XX/XX/2022, XXXX XXXX XXXX performed my XXXX XXXXXXXX. Prior to the XXXX, I had changed my insurance provider from XXXX to XXXX and had informed XXXX XXXX XXXX about this change, and provided the new insurance card ( have proof via email screenshots ) Unfortunately, their office failed to get pre-approval from XXXX before the XXXX, and XXXX refuses to fulfill the XXXX claim till today. Last year, I had also reached my out-of-pocket max through multiple co-pays, XXXX XXXX, XXXX facility fees, and XXXX XXXX. 

As of XX/XX/XXXX. XXXX XXXX office officially sent the XXXX bill to collections, and I have disputed the claim. XXXX is also trying to get in touch with XXXX XXXX office since this violates their contract agreement since XXXX XXXX was an in-network provider.
Consumer complaint received 2024-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AL)

I have made multiple attempts to dispute Jefferson Capital System. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. As per USC 1681 ( c ) ( 2 ), I believe these reports may have been result of identity theft. The information is not information relating to any transaction by me as a consumer.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : MACYS/CBNA  Account Number : XXXX Date of Charge-Off : XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 
Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WY)

Hello CFPB, On XX/XX/year> I opened an online high yield savings account with Citi Bank. On XX/XX/year> I wired {$77000.00} from my American Express savings account into the Citi account. On XX/XX/XXXX, I wired and additional {$100000.00} to my account. On XX/XX/XXXX, I was locked out of my online access. When attempting to reset my password it required the card number of a card that was in transit to me via USPS. Once that card arrived, I went through the process of inputting that information into the system in an effort to reset the password and grant access. The system prompted me to call a customer service representative. I called the service line XX/XX/XXXX and the first operator that I spoke with informed that I had a fraud block on my account and I needed to be transferred to that department. I was blind transferred an additional 5 times until finally reaching a representative whom informed me that my account was closed. When inquiring why and who closed the account, the only response was that I would receive a letter in the mail within 2 weeks. I spoke to 2 additional representatives who also made the same comment. On the last call I inquired where my {$170000.00} was currently being held and how would I receive it back since Citi closed my account with notification or explanation? Again, the response was that I would receive a letter in the mail within 2 weeks. So now I am left in limbo with a closed account and {$170000.00} being held captive by Citi with no one giving a formal explanation, aside from a letter arriving in the mail which will explain.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off XXXX - XXXX XXXX  {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off XXXX XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (FL)

National credit systems ( XXXX XXXX XX/XX/XXXX amount XXXX company has not done anything XXXX XXXX XX/XX/XXXX XXXX A special investigation was allegedly started with the name XXXX XXXX I haven't gone by that in XXXX  years XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX in the amount of XXXX is also a rental /leasing account company had no identifiable information )
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (CO)

I has contactes crdito karma on XXXX XXXX about My tax return being deposited in My diseaced wifes crdit karma account i told they i would like to have My funds returned to me or give me accesorios to the account they requested documentos death. Certificate my id front back social security card front and back and a notarized obligee form I sent them all the documents they requested over XXXX times since I've been trying to contact them they don't want to give me my tax return I've called them XXXX times they either hang up on me or tell me the have escalated my case to another department that only communicated through email well I have not received a email from them in over a month and they stopped communicating with me one representative told me my tax return was in the account before it was closed and another representative told me multiple transactions have been made on the account where the balance was one dollar and I have to file a dispute but they did not want to email a transaction list they will not assist me I don't know what else to do to get my tax return from these people I have emails stating my tax return was deposited in that account
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

There are multiple inquiries on my report I did not authorize I am requesting that the inquiries be blocked and deleted immediately! 
Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Please investigate this matter and remove these inquiries ] as soon as possible I am requesting that the inquiries be blocked and deleted immedi
Consumer complaint received 2024-10-07
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: Upgrade, Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation Pursuant to Fair Debt Collection Practices Act Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with account numbers Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am hereby exercising my right to request validation of the debt in question. 

I am requesting that you provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number and the amount of the alleged debt.

3. Documentation establishing that I am the responsible party for the debt.

4. Verification that the debt is not time-barred by the applicable statute of limitations.

5. A copy of the original signed agreement or contract that purportedly authorizes the debt.

I assert my rights under the FDCPA to ensure that the debt is valid and that all necessary information is accurately provided. I request that all collection activities be suspended until the requested information is provided.

Please be advised that any failure to comply with the FDCPA requirements may result in legal action and remedies available under applicable law. Your prompt attention to this matter and timely response are appreciated. 

Kindly provide the requested documentation to the address listed above within 30 days of your receipt of this letter. Failure to validate the debt within the specified timeframe will necessitate that the debt be considered invalid, and any further collection actions will be deemed unlawful. 

Thank you for your cooperation in resolving this matter in a timely and compliant manner. 

Sincerely, XXXX XXXX