davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MD)

To Whom It May Concern : The account does not belong to me : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.

Please provide at least the following information within 30 days from the date of your receipt of this validation request : : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Interest Rate Disclosures Pay off Disclosures Was this debt assigned to a debt collector or purchased? 
Amount paid if the debt was purchased : Original Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that the Statute of Limitations has not expired Proof that you are licensed to collect in my state ; and Agreement with the creditor that authorizes you to collect on this debt If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

There were XXXX unauthorized XXXX payment transfers on my Chase account, amounting to a total of {$580.00}. I contacted the Chase fraud department and they added temporary credits during investigation, but then removed the credits after they thought that the transfers were authorized. In the Chase notice it said that I could request the information that they used to reach that conclusion. When I messaged Chase to request this information, I was told that they could not actually provide any of the documents. I am missing the {$580.00} from my account that was fraudulently sent to XXXX XXXX recipients that I do not know or recognize ( recipients named " XXXX  '' and " XXXX '' ).
Consumer complaint received 2024-03-05
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. (LA)

I have credit card fraud on my account with Chase, I have reached out to them in reference to this issue. The assured me that they wouold remove all the charges and remove from my credit reports. I have also filed a police report as they requested and all th information was removed. later everything had been returned to my account which is a reflection of my credit report as well makes it difficult to get bette rates for insurance. This is extremely important for a senior citixen on a fixed income. I have emails from Chase stating all information has been removed yet it's still there.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was reviewing my credit record and i am quite upset at the inaccuracies you are reporting in my credit record this items are deleted in other Bureaus. I need the following eronous accounts to be deleted. 

Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2024-03-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

My Name is XXXX XXXX and I am a victim on Identity Fraud. On XX/XX/XXXX, I received an alert on my credit monitoring system about a new collection account. The collection company name is Genesis Credit Management, The original creditor name is XXXX XXXX XXXX and the open balance amount is {$320.00} XXXX XXXX  seems to be an apartment complex in XXXX XXXX Texas. This is the XXXX time in XXXX  months that collection agencies hit my credit with collections of fraudulent origin. Disputing these have become a frequent part of my life. I dont live in XXXX XXXX and never have lived there. I have credit alerts and a frozen credit status on all XXXX bureaus since XX/XX/XXXX, and yet, these apartment complexes dont seem have an effective credit verification standard in place. 

I have spent hours going to the police department to file a police report the first time this situation happened. I am attaching that police report from XXXX and for this case, I am attaching the official complaint filed with the FTC website : identitytheft.gov It is unfortunate that anyone can place a collection on a credit report without proper verification, leaving the identity fraud victim on the verge of a recovery system that takes weeks, sometimes months to be resolved, while the credit remains XXXX points lower and therefore compromised during the process. 

There should be an effective proactive measure to avoid these things from happening, but apparently, only a new Social Security number can solve this problem. But that requires a court order from a judge.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

XXXX XXXX actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Consumer complaint received 2023-07-05
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (FL)

Checkr, as a consumer reporting agency, is obligated to adhere to the provisions outlined in 15 U.S. Code 1681b, which dictate permissible circumstances for furnishing consumer reports. These provisions require that Checkr may only furnish consumer reports under specific circumstances, such as in response to court orders or with the explicit written instructions of the consumer.

Furthermore, it is essential to underscore that Checkr, in violation of United States Code, accessed my consumer report without obtaining my written consent. This action directly contravenes the established guidelines set forth in 15 U.S. Code 1681b.

Moreover, the Consumer Financial Protection Bureau ( CFPB ) enforces laws such as the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information. Checkr 's unauthorized inquiries on my credit report constitute a violation of FCRA provisions aimed at protecting consumer privacy and ensuring fair credit reporting practices.

Additionally, Checkr 's actions run afoul of CFPB laws designed to safeguard consumers ' financial rights, including provisions outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. These laws establish stringent guidelines to prevent unauthorized access to consumer credit information and maintain the accuracy and fairness of credit reporting practices.

Moreover, Checkr 's failure to obtain my explicit written consent before accessing my consumer report violates 15 U.S. Code 6802 ( b ) ( c ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without providing consumers with an explanation of how to prevent such disclosure.

Furthermore, their inclusion of adverse information in my consumer report without authorization, as outlined in 15 U.S. Code 1681c ( a ) ( 5 ), constitutes a direct violation of United States Code.

Additionally, Checkr 's furnishing of inaccurate information to consumer reporting agencies, in contravention of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), and their failure to maintain reasonable procedures to ensure compliance with reporting limitations, as mandated by 15 U.S. Code 1681e, further demonstrate their disregard for consumer rights and legal obligations.

The unauthorized inquiries conducted by Checkr have resulted in potential harm to my creditworthiness and financial standing. These inquiries may affect my ability to secure credit or obtain favorable terms on loans and other financial products in the future.

In light of these violations perpetrated by Checkr, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and appropriate action to rectify the infringement of my consumer rights. Furthermore, I request that Checkr cease any further unauthorized inquiries on my credit report without my explicit written consent.
Consumer complaint received 2024-03-26
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive reached out in writing requesting debt validation from XXXX, Experian and XXXX. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier. 
In addition I have XXXX inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.
Consumer complaint received 2024-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

The Federal Courts gave Navient till XX/XX/2024 to forgive direct Federal FFEL loans for listed schools under Sweet vs. Cardona. The loans were found by the Federal court to have been predator and fraudulent. Navient has not removed the loans from my credit reporting and I am being damaged every day with corresponding credit reports that still show the loans on my reports. Navient is violating the federal court order by not administering the loan forgiveness as ordered by the Federal court.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

Self Financial- Lead Bank is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of XXXX. 

How can I owe them when it was my own $ that I was using.
Consumer complaint received 2024-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (GA)

I have advised them multiple times that the doctors did not bill this correctly per my insurance and they refuse to fix it so this that is not correct and not valid and I am not responsible for other people 's mistakes. I want this debt erased completely or heavily discounted as this is not my error and I have been trying to fix issues with a provider and with the insurance for years and nobody will help. Not my fault as I have no controls over their errors.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

Dear Consumer Financial Protection Bureau ( CFPB ), I am reaching out to seek your assistance in resolving an issue regarding a charge of {$650.00} on my United Club Visa card, which prominently features the United logo. This card, for which I annually pay a {$520.00} fee, is primarily valued for its advertised benefit of complimentary access to United Club lounges, a key reason for my subscription. 

The problematic charge initially appeared on my statement dated XX/XX/XXXX, following a transaction on XX/XX/XXXX. Despite successful contact with the credit card issuer leading to a temporary reversal, the charge was unfortunately reapplied to my account, as reflected in my XX/XX/XXXX statement. My annual fee was charged once again on XX/XX/XXXX as it was one year prior. 

The core of this issue lies in the denial of access to a United Club lounge, despite the explicit promise of such access as a cardholder benefit. Upon attempting entry in XXXX United Club, I was informed of an issue on the provider 's end, which they acknowledged yet did not resolve to allow my entrance. My repeated efforts to rectify this situation through customer service channels with both United and Chase have been met with confusion and inaction, culminating in being charged for a supposedly included service. 

At this point, I have spent around 6 hours on the telephone with no resolution. Youll see that the reversed charge was REAPPLIED to my account in XXXX of XXXX ( and appears on my XX/XX/XXXX statement, attached ). 

This experience not only contradicts the advertised benefits of the United Club Visa card but also highlights a concerning lack of coordination and customer service, leading to significant inconvenience and financial loss on my part. 

Given the circumstances, I kindly request the CFPB 's intervention to facilitate the refund of the {$650.00} charge, which was inappropriately applied for a service that should have been complimentary as part of my cardholder benefits. I also request your assistance in urging both parties to further research their existing policy and technical failures to prevent this issue from happening to me or other customers ever again. 

Your support in addressing this matter would be greatly appreciated, as my own repeated efforts have unfortunately not resulted in a satisfactory resolution ( only many hours wasted on the telephone ). 

Thank you for your attention to this matter and for any assistance you can provide. 

Sincerely, XXXX XXXX Cc : United Customer Service Chase Cardholder Services
Consumer complaint received 2024-02-11
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)

TransUnion. I have contacted them every 120 days for at least XXXX years to dispute. The fact that my loan that is nearly XXXX XXXX XXXX is reported incorrectly. I have a loan that was in forbearance. Trans Union is the only credit reporting company that list this loan XXXX different times as paid late and refuses to correct this information. XXXX and XXXX have deleted these loans because the information was proven false. I have handwritten notes, I have called, I have contacted the loan person directly, and nobody will fix this information. So now its a formal complaint, I want this information deleted from my TransUnion report and I want my score corrected. There is over XXXX points difference between TransUnion and my other XXXX accounts.