davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX I was on a flight to the XXXX XXXX XX/XX/XXXX JetBlue credit card ( Barclays XXXX ) opened in my name, using my name, address and email XX/XX/XXXX Credit card used** and flights booked in my name ( see additional note from JetBlue below ) ** During XXXX week of XXXX, card was used several times and items booked or purchased Total expenditure of {$4400.00} was accumulated XX/XX/XXXX I came back to the XXXX from the XXXX XXXX and arrived in XXXX XXXX XXXX XXXX I came home and reviewed mail which was awaiting my return XXXX item was the welcome pack from JetBlue/Mastercard , for a card I never opened XX/XX/XXXX I contacted Barclays to confirm I did not open the card ; I was informed there was a large outstanding balance, to which I again confirmed I knew nothing about the card nor requested the opening of the card Barclays confirmed they would freeze the account and investigate the issue XX/XX/XXXX I received as response from Barlcays that they had concluded their investigation and they have deemed the card to be correctly opened, used and owned by me and therefore the debt belonged to me Info from JetBlue confirms ; **Can I use my JetBlue credit card before it arrives? 
No, you can not use your JetBlue Plus Card instantly after approval. You'll have to wait around XXXX business days to receive your card in the mail to be able to use it. However, you can request expedited shipping ( for a {$15.00} fee ) and have your JetBlue Plus Card delivered within XXXX business days I was out of the country from XXXX XX/XX/XXXX and only received the card when I opened the envelope on XXXX card was used XXXX and XXXX, XXXX day after opening the account when I was in the XXXX with no access to XXXX welcome pack At no stage have I ever activated the card So the card was activated and used by someone while I was out of the country and had no access to the card Clearly, someone opened the card, obtained the account details and activated the card, all before the card was even received at my home ; I have now appealed this decision XX/XX/XXXX I have now appealed this decision XX/XX/XXXX both by fax and by mail to Barclays I have now placed a freeze with all XXXX Credit Agencies XX/XX/XXXX Barclays collections department called to confirm the account was delinquent ; I explained the above and told them this is a fraud case I also spoke to XXXX in the fraud team who confirmed further transactions were attempted on XXXX with Jet Blue but were not processed I asked XXXX to create a formal complaint and for XXXX to call me back with an update to the case XX/XX/XXXX Barclays called to say my appeal has again been rejected I have also today registered the complaint with the FTC ( Federal Trade Commission XXXX and have contacted an attorney
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My payroll check was deposited on XX/XX/year> with an initial one until the next business day, on the day the hold was to be released it was extended to XX/XX/year>. It seems like this policy is not compliant with 12 CFR 229 " Availability of Funds and Collection of Checks ( Regulation CC ) ''
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I reported my card stolen due to receiving a charge that was declined on my card that was not authorized by me. I realized that I had lost my card and ID. Upon logging into my account afterwards I noticed that there were 3 charges on my account I immediately called chase who closed my account and issued me a temporary credit and told me i didnt have to do anything and had nothing to worry about. On XX/XX/XXXX I was notified that I would be responsible for those charges and I immediately called and tried to figure out why and dispute it with no avail I have all the information requested and even sent the receipt of my replacement ID and have heard no response as theres no way to directly appeal the decision Ive been waiting anxiously as this is XXXX dollars that Im on the hook for that I didnt make. I hope it was just a mistake and this can get resolved soon. As I feel I have done something everything asked of me to prove that it wasnt me I reported it right when I saw it and sent the receipt of my stolen ID. Thank you guys for your help.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

In XX/XX/XXXX, I terminated my service with XXXX XXXX and auto-payment was suspended as part of the termination process. I was not informed about a final payment that was due, and I discovered through my credit report in early XX/XX/XXXX that this payment had been sent to debt collection agency XXXX XXXX XXXX. Upon learning of this issue, I immediately contacted XXXX, made the payment, and was assured by a representative that the derogatory mark on my credit report would be removed. Despite this assurance, the negative entry remains on my credit report, and I request that it be corrected promptly.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

I am writing to formally dispute the inaccurate information that Columbia Debt Recovery, XXXX Genesis has reported to the credit bureaus ( XXXX, XXXX, and XXXX ) regarding a debt allegedly owed. Columbia Debt Recovery reported a debt to the credit bureaus indicating that I owed {$4300.00}. However, this information was incorrect from the beginning. After my dispute, Columbia Debt Recovery adjusted the amount owed to {$1600.00}. This adjustment was reflected on all three credit reports. 
While I appreciate the correction of the amount, the fact remains that the initial information was inaccurately reported. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be complete and accurate. The inaccurate reporting of the original amount has caused damage to my credit score and financial standing. Given that the original reporting was inaccurate and misrepresented the actual amount owed, I request that Columbia Debt Recovery immediately remove this account from my credit reports. According to the FCRA, consumers have the right to dispute incorrect or incomplete information, and the reporting agency must correct or delete inaccurate or unverifiable information within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), Columbia Debt Recovery is prohibited from engaging in any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. The original reporting violated this statute. 

Resolution Requested I am requesting that Columbia Debt Recovery : Immediately cease reporting this inaccurate debt to all three credit bureaus. 
Remove all references to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Provide written confirmation that the inaccurate information has been removed from my credit reports. 
Thank you for your prompt attention to this matter. I expect a resolution within the timeframe allowed by law. Please be aware that failure to comply with this request may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies under the FCRA and FDCPA.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CO)

In XX/XX/XXXX, I received a collection notice indicating a balance of {$4100.00} allegedly owed to an apartment complex where I resided briefly from XX/XX/XXXX to XX/XX/XXXX. This lease, however, belongs to my former partner. Upon moving out, I signed a physical release form, returned my keys, and vacated the premises. Unfortunately, my former partner has not paid the amount owed. The apartment complex now asserts that I never moved out and claims they do not have any record of the signed release documentation. 

I had no prior knowledge of this debt until I received the notice from the collections agency. As this debt is not my responsibility, I request that it be removed from my records with XXXX, XXXX, and XXXX.
Consumer complaint received 2024-08-15
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: AmeriCollect (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX XXXX XXXXXXXX, Missouri Laws Dear AMERICOLLECT, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under Florissant, Missouri, state laws.

It has unequivocally come to my attention that AMERICOLLECT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AMERICOLLECT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that AMERICOLLECT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AMERICOLLECT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I have a couple of credit cards with commenity bank. Unfortunately, I have not been able to make my payments due to disability and I made sure to call them and let them know on XX/XX/year>. They have not stopped calling me. I have phone records of them calling my phone at least four times a day. I cant even try to pay them back when my phone rings nonstop. I just started to get my credit back and now its going under again.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

By calling the company about this account that is negatively affecting my credit, I committed to paying the agreement and they were also going to eliminate this negative account from my credit bureaus, the payment was made on XX/XX/year> and this account is still there It is reporting negatively and I am being affected.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (PA)

For over XXXX year, I have been receiving calls from First Credit Services. They have been trying to collect debt that I have already paid to my local gym. Even though I told them that I paid the debt, they still tried to get me to pay them. I Went to the owner of the gym and told him about it. He sent an email forwarded to me to confirm that I have paid off the amount which is {$120.00}. This was on XXXX XXXX, 2023. I received an email back from first credit services on XXXX XXXX, 2023 stating that The account has been closed and updated in their system. To this day, I still receive phone calls stating that the account is still open, and I still owe money, even though it has been resolved last year. I sent an email again to confirm that it has been paid and resolved, but they still keep calling.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

Since my joining date to American Express of XXXX of XXXX with a platinum credit card, I was XXXX XXXX military working and residing in the state of Louisiana. Now per the law of the state of Louisiana, XXXX XXXX service members, as well as XXXX XXXX and XXXX residing in the state of LA, have entitlements to the Louisiana SCRA act. What differs from the federal SCRA act. The federal one lowers interest rates before joining the armed forces to 6 %. The state of Louisiana law requires lenders and credit card companies to give service members the SCRA before joining, AND AFTER JOINING AND BEING IN XXXX XXXX. on XX/XX/XXXX at XXXX hours, I called American Express customer service to fix this problem. I requested to have my account looked over and to see if I was given the SCRA for the state of Louisiana. I was not in fact given such a thing as I noticed my interest payments were very high on my account. They had me into the lending act, which does not give me my 6 % interest rate. The customer service rep. Then told me that it only applies to people before joining and I informed him it did not and that per www.legis.la.gov. RS XXXX. I was still within my rights to a 6 % interest rate. He then sent it up for request. On XX/XX/XXXX, I receive an email denying my request for SCRA.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (TX)

Dear CFPB, I am writing to file a formal complaint against RentDebt Automated Collections , LLC, located at XXXX XXXX XXXX, XXXX, TN XXXX. 

**Summary of the Complaint : ** XXXX. **Unauthorized Debt Collection : ** I have never conducted business with RentDebt Automated Collections , LLC XXXX Recently, I discovered that this company is attempting to collect an alleged debt in the amount of {$3000.00} for account # XXXX. I am unaware of how my personal information, including my Social Security number, was accessed or shared with this company. 

2. **Violation of Consumer Rights : ** RentDebt Automated Collections , LLC has reported this alleged debt on my credit report without providing adequate validation or verification of the debt. This action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. Specifically : - **15 USC 1681b** : Limits the access to consumer reports to those with a permissible purpose. I did not provide authorization or consent for RentDebt Automated Collections , LLC to access or use my credit report.

- **15 USC 1681c** : Mandates that only accurate and verifiable information be reported on consumer credit reports. RentDebt Automated Collections , LLC has not provided proof of the debt, making their reporting potentially inaccurate and unverifiable.

- **15 USC 1681i** : Provides consumers the right to dispute inaccurate or incomplete information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation. I have not received satisfactory validation from RentDebt Automated Collections , LLC despite my requests.

3. **Identity Theft and Fraud : ** The unauthorized reporting and collection efforts by RentDebt Automated Collections , LLC appear to be fraudulent and indicative of identity theft. This situation raises serious concerns about the security of my personal information and the integrity of my credit profile.

**Resolution Requested : ** I am requesting that the CFPB investigate this matter and take appropriate actions to ensure the following : - Immediate removal of the unauthorized account from my credit report.

- Correction of any inaccuracies or negative impacts resulting from this fraudulent reporting.

- An update to my credit profile to reflect that this account is not valid and that I did not authorize RentDebt Automated Collections , LLC to access or report my information.

I have also requested validation of this debt from RentDebt Automated Collections , LLC but have not yet received a satisfactory response. I am concerned about further unauthorized activities and seek your assistance in resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your response and assistance in protecting my consumer rights.
Consumer complaint received 2023-06-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (NJ)

I had a XXXX credit limit WITH BARCLAY 'S, they reduced it to XXXX based on illegally obtained information from a credit agency ( XXXX ), who I DID NOT GIVE ANY WRITTEN PERMISSION, to share my information. This CREDIT AGENCY has VIOLATED my rights to PRIVACY ( 15 USC 1681 section 604 a., section 2, it also states a consumer reporting agency CAN NOT, furnish an account without my written instructions, under an open end consumer credit plan as late for ANY PURPOSE.