davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

JPMCB card, {$21000.00} credit limit, past due XXXX days+ > {$14000.00}, I am the victim of identity theft with Chase card services. Chase opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. Chase has not communicated with me and has taken NO ACTION. This was first reported to Chase in XXXX and they refuse to remove the information. I have tried to communicate with Chase and have left email address and phone numbers but they never respond.
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Pressler & Pressler, LLP (NY)

Called pressler, felt and warshaw, llp about a summons to collect a debt and the person on the other end was rude and condescending asked if I could pay in full, explained to him I have a medical condition and I am not working. Therefore asked to settle with a payment, he said you can pay half now and the other half in a month. My husband explained that I am not working due to medical and can not pay half of debt right now. You could hear in his voice he was being rude about it.

We asked to speak to a manager and he said they are too busy and we need to go to website and put in a form for managers call back.
Consumer complaint received 2024-08-27
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. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX {$1500.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$1500.00} XXXX XXXXXXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (NC)

There are closed Nelnet Accounts from XXXX  on my credit report that still show late payments. Accounts were transferred to new accounts with Nelnet, and I was told that accounts would be removed from credit report as my address & phone number was incorrect when payments were late. Please remove these closed accounts from my credit reports.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (TX)

I am rewriting to refile this complaint to UNITED AUTO CREDIT CO about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. 
The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (AZ)

Cavalry SPV Dear Cavalry, I was contacted by Cavalry via mail on XX/XX/year>. The representative said I owe XXXX to XXXX. However, I do not owe that debt. My information was stolen and I disputed that account with XXXX and major credit bureau. 

If you believe that I am still responsible for this debt, Please send me any documentation you have to proves that I owe it. Until then, Please cease all communication with me and note on your records that I dispute any responsibility for this debt. 

If you are reporting this information to a credit bureau or have already reported it, Please report that I am disputing this debt. 

Thank you
Consumer complaint received 2024-10-12
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, I paid off my mortgage to my individual lender in the amount of {$53000.00}. My lender uses Chase Bank for their accounts and the payment was processed by them. 
On XX/XX/year>, JP Morgan Chase Bank ( JPMCB ) conducted an illegal " hard ' inquiry into my credit history/report ; presumably, to grant me services that were never requested or authorized by me. 
The actions taken by employees and/or representatives of JPMCB are completely ILLEGAL. 
I find their actions to be disgusting and I am, personally, horrified by their actions.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MA)

American Express just sent me an email that they are decreasing my limit by half. This will negatively impact my credit because it will now look like I'm carrying 60 % of the limit. In reality, I'm carrying less than 30 % of the limit. American Express also checked my credit to make this decision without my consent. They refused provide the original terms with my signature, and they are unwilling to discuss a review of my account until I wait 5 days and call back. In addition, my payments to American Express have all been on time, so there is no reason for the review to happen at all. They will not share documents until I call back, which is after the credit reporting period, and when my credit score will be negatively affected by this unwarranted decrease. 

XXXX I spoke with : XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (TX)

I do not recognize these accounts nor authorize these that you block this information from my credit report within 4 business days, pursuant 605c of the fair credit reporting act, I am a victim of XXXX XXXX  of debt bondage and would like for the accounts to be blocked and deleted.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

lvnv funding llc has multipple collection accounts that they are collecting on against me. they have accounts on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXXk for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXX for XXXX i have sent several letters asking for validation of debt that i have never recieved i have recieved phone calls and asked them to stop calling me until they can show proof of debt and they continue to call me several times a day i asked to show validation that teh accounts were sent to them for collections they have not they are stating that these are all charge off debts however i have not recieved any 1099 c showing that the debt was charged off and they can not provide such informaton to me however they ar ruining my credit without being able to validtae a debt or thet they have the authority to report on my credit or that i have ever had a contract with them to pay anything they have also threatened to sue me
Consumer complaint received 2024-10-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have 3 AMEX pre-paid gift cards totaling {$1500.00}, each card valued at {$500.00}. I received one as a gift from my uncle and two from my employer as part of a rewards-program. I have tried to use them consistently ( confirmed they are active on the AMEX online site to check ) but they have always gotten declined. I have confirmed the balance as well for each card in the AMEX online site and each one still has {$500.00} on them. I can confirm the card number details as well. 

AMEX won't resolve this issue and does not inform me what merchants the cards will magically work at. I have tried to use them multiple times to no avail. This is not acceptable.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NC)

I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You
Consumer complaint received 2024-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ADVERSE ACTION NOTICE We regret to inform you that XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) is unable to consider you further for employment or as a contract driver. This decision was made, at least in part, from the information contained in your consumer reports, which we obtained from one or more of the following the consumer reporting agencies : Because of this I can not get a JOB I am a XXXX XXXX XXXXXXXX A
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Last XXXX digits SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear LVNV Funding LLC c/o Resurgent Capital Services XXXX  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 2024-08-31
Product: Credit reporting 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I closed on a property. Attorney gave me a check for proceeds from the attorney 's escrow account. 
I deposit it XX/XX/XXXX. 
I realize a few days later it says it won't be accessible until the XXXX. So I complain, I go to the chat feature and am told there's nothing they can do. So I then reach out to the banking representative. Told same thing. Then I check it today and see the date was changed from the XXXX to the XXXX. It's like they were punishing me for complaining. 
So I fumed all night and went first thing to the bank to find out why that was lengthened and to see if thdy can help, because it clearly says " PROCESSED '' and has for days.

I'm told there's nothing they can do. 
That is unacceptable. 

I told every single one of those people that I own a home in XXXX NC mountains that was damaged. It is a second home so is not eligible for XXXX funds. I need to cover the roof to protect it from further damage as XXXX XXXX is approaching. I am not unreasonable in my expectations or request. Their holding that money that long is causing me sincere distress.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

I recently reviewed my credit report and noticed a credit card account on my file that I did not authorize. I have tried on several occasions to have this account deleted. The company is unable to provide me with documentation showing proof of my ownership of this account. 


-ADS/COMENITY/VICTORIA SECRET acct # XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint against XXXX XXXX due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX FUNDING XXXX Balance Owed : {$1200.00} XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with your company. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with your company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2024-10-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have been trying to use my gift card to purchase items from different merchants such as XXXX, XXXX, and XXXX XXXX. However, it keeps declining and I have been unsuccessful in using the gift card. I try to contact American Express customer service but there is no way to speak to a live person.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

I have 11 out of 12 Hard inquiries that I have never signed any paper for.

Someone has used my social security to apply for these inquiries.

under FCRA I asked for the necessary information to prove that I I have signed paperwork with that company and theyve never responded.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CO)

I've been using a PayPal account for over a decade to accept donations for a couple of browser extensions I develop and maintain. 

Yesterday I was informed via email by PayPal that my account is now permanently locked with no way to access my {$7000.00} balance. The reason given states : " it appears that there was activity on this account that we can not process. Specifically, the sale of XXXXXXXX XXXX XXXX XXXX XXXX XXXX The payments I have received on this account have consistently been for XXXXXXXX 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 

First call to PayPal customer support at XXXX : XX/XX/XXXX - I was told the issue would be escalated and I would hear back in XXXX hrs. I never heard back. 

Second call to PayPal customer support at XXXX : XX/XX/XXXX - I was told the violation was " triple-checked '' by human reviewers and would stand. They refused to provide any reasoning for WHY my extensions were deemed XXXX XXXX  and they denied me any escalation option. " We are parting ways '', they said, and refused to answer any further questions, making it clear the decision was final. 
- The email I received states funds will be held for 90 days. However, an automated message at the beginning of this call stated funds would be held " until XXXX, XXXX ''. 

The claim of the " sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' is incorrect. There is no such activity on my account. PayPal has given me no opportunity to provide documentation or otherwise prove that this claim is in error.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

After moving out of apartment, a few months later I was sent a collection from company reporting claiming I owed in unpaid rent. Although I have sent dispute letter with ledger payments, checks, dates and proof of payment and email confirmation between me and management stating that on the day of my move out I owed no money and actually was owed a credit of {$600.00}. Although all of this was sent this company continues to report this debt. When I contacted the apartment complex when all of this happened, the manager at the time admitted to me that their billing system had been glitching and that my collection was possibly apart of that. He was only there temporarily so he never resolved it.
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: Indie Technology DBA Found (OH)

On XX/XX/year> my account and cards were compromised I immediately told them when they sent email about transactions, they froze my account and I was required to show documentation to get it released, I informed them again about the transactions and all cards connected to account were reported lost and stolen. After the account was reinstated I was informed to submit disputes. After submitting disputes I received correspondence that no error occured and they will not move forward. All transactions on XX/XX/year> were unauthorized.