davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nathan & Nathan, P.C. (TN)

I have reached out three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to this firm that is representing XXXX XXXX. The first and second time through the Contact Us page on the Nathan and Nathan website and received the confirmation each time that said Thank you for your message. It has been sent. My third communication was through a direct e-mail to the XXXX XXXX XXXX XXXX. I have attached the e-mail sent to XXXX XXXX that also contains the substance of first XXXX messages and then the substance of the third communication. As a summary of the content of the communications : Invited the firm to e-mail me or write a letter to me in response to my concerns, but requested no phone calls Advised the firm I am permanently XXXX and only receive social security XXXX income Advised the firm I have no assets Advised the firm I have over {$50000.00} in charged off or soon to be charged off debt Advised the firm I have no ability to pay I understand this is not what they wanted to hear, but it is my unfortunate reality. I will be moving to XXXX XXXX  to live with my mom to save on expenses at the beginning of XX/XX/XXXX. I feel terrible about this and have been a XXXX XXXX customer for quite some time. I hope the firm and XXXX XXXX can find it in their hearts to not sue me. If the firm must collect money, my dad has said he can give me {$4800.00} total at {$400.00} a month out of his social security ( payments would be made directly by him ) to avoid me getting sued in California. If that is agreeable please send to me.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC (NV)

I received an alert from the credit bureau that my address had been changed. I didnt know such thing. After researching, I found that the address that was changed was my mother-in-laws address in Texas. I live in XXXX XXXX. Ive had the same address for XXXX years. XXXXXX/XX/XXXXXXXX, XXXX XXXX, NV XXXX. 
By changing my address at XXXX and the other credit bureaus mail has been forwarded to my mother-in-laws address in Texas. My credit score dropped XXXX points because they closed my card when I made an inquiry of why they changed my address. Ive been with them sinceXX/XX/XXXX, which is milestone credit card, never missed a payment or had a problem. All I asked was that they would take that address off of my account and at the credit bureau. In response, they canceled by credit card and reported closed. How do I get my address put back on the credit bureau?
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (FL)

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, to 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 XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Dear Resurgent Capital Services L.P., I am reopening my complaint regarding the debt... I appreciate the detailed transaction history that was prepared by Resurgent Capital Services. As you stated in the letter, your summary report is not an account statement from the original creditor. Moreover, the information did and does not fully address the issues I raised regarding the validation of the debt. Specifically : Lack of Original Creditor Documentation : Your response did not include documentation from the original creditor. I requested a copy of the original signed agreement to establish liability for this debt, which is not present in your response. Per FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], you must provide the original signed agreement.

Absence of My Signature : There is no signed agreement or contract, which is required under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ].

Incomplete Proof of Debt : The documentation lacks a detailed breakdown of the original debt and adjustments made, as required by FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

No Proof of Ownership : There is no proof that LVNV Funding LLC owns the debt or of any transfer from the original creditor, required under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ( a ) ].

Incorrect Address Information : The address listed does not match an address during the alleged debt period, raising accuracy concerns under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ].

License to Collect : Please provide proof that LVNV Funding LLC and Resurgent Capital Services are licensed to collect debts in Georgia, as required under state law.

Please send a physical copy of all relevant documentation, including the original agreement and detailed account information. Failure to provide proper validation may result in further action under FDCPA and FCRA.
Consumer complaint received 2024-08-21
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: Resurgent Capital Services L.P. (LA)

These inaccuracies have been disputed consistently for XXXX years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and Resurgent Receivables  via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

CHEX SYSTEMS, has had a file since 1986 on me. Please investigate how the information was verified. Send me the investigation paper work, or what methods were used to verify my identity to rent an apartment at the address XXXX XXXX XXXX XXXX NJ XXXX.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I received XXXX deposits on XX/XX/year>. This was my XXXX and XXXX monthly income. On the XXXX and XXXX over XXXX transactions was made on my account, in another state, without my permission, and my alert texts were bypassed and turned off. I didn't know this had happened until XX/XX/year>. I immediately contacted Chime and they had me file a dispute, my dispute was denied twice. I wrote a dispute, it was denied. Chime said they couldn't see any errors. I live in XXXX, these transactions was made in XXXX and XXXX I've never been to these states, or gave anyone permission to use my account. There was numerous XXXX payments, I don't have XXXX  or use it to send money. I haven't had XXXX in a year. Everyone I talked to at Chime was rude and unconcerned. I couldn't pay all of my monthly bills. Thank you.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I received an email stating a new notice was posted to my account. I go into my account to see my account was over drawn XXXX I called the branch location number near me which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was unable to reach anyone at the physical branch and ended up getting a call center representative, after being placed on hold several times being told incorrect to little information, I decided to leave my job and step into the branch ( located above ) and spoke with XXXX. XXXX then calls to get more information regarding the negative balance and told me it was a check. Me being distraught and confused I asked her to explain more, she told me she would go get her branch XXXX XXXX XXXX. XXXX XXXX steps in with no XXXX, and explained to me it was a check deposited and withdrawn. She then proceeded to ask me if I ever cashed the check and received money. I explained to her Ive NEVER cashed or received a check. I then tell her to check every camera and full proof that I never chased a check. She explained to me that she would do some research and call me back that same day. I missed her call which was after 5 and called her back several times the next day. Finally after the first conversation of that next day we talk a second time, XXXX explains to me that chase in Layman terms, is holding me responsible, that it is my responsibility to replace stolen cards ( which I did replace ) and to keep my pin safe ( Which I always have ) I was then pushed off to a claims department where no one was able to assist me, I was transferred 5 times having to explain that the signature used, wasnt mine, the check issued, I had no knowledge of, also having to explain there is NO documentation of a check being deposited into my account. I lost my card in XXXX and replaced it IN XXXX. The check was cashed using a debit card ( I cancelled ) in XXXX which was when the check was deposited and cashed. Chase has stated they will not be doing anything regarding this matter and before pushing me off also didnt fail to make me feel like all of this, is my fault. I have not been able to get anywhere with this matter and lost all of my money in the process.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I applied for a Blue Cash EveryDay Card through the American Express website. On XX/XX/XXXX, I received a denial letter but no specific reasons were provided as required by law. 

I disputed the outcome with American Express on XX/XX/XXXX, requesting the reasons for denial and details on their review procedures. On XX/XX/XXXX, American Express responded without furnishing the requested information. 

Another request for reconsideration was made on XX/XX/XXXX. American Express responded on XX/XX/XXXX again failing to substantively address the dispute. 

As counsel, I sent a letter to American Express on XX/XX/XXXX seeking a reasonable reinvestigation and the specific reasons for denial, but they have not adequately responded to date in violation of ECOA and FCRA. 

I have been unable to obtain a clear understanding of what issues factored into the adverse decision or how American Express conducted its assessment. I simply seek transparency into the credit process to ensure fair and lawful treatment.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Below is the mail notice sent to Portfolio Recovery Associates on XXXX XXXX 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 XXXX consumer report on XX/XX/XXXX 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 XXXX  ) I have not initiated any transaction with PORTFOLIO RECOVERY ASSOCIATES. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PORTFOLIO RECOVERY ASSOCIATES 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last 4 SS XXXX Attention : Santander Consumer USA XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (VA)

I keep getting robocalls from Harris & Harris Ltd. claiming I have a debt, but they never provide any information. I have been getting a call a day for about 3 weeks now. All my attempts to respond have failed since they never have a human on the line. I have no idea where this debt is coming from and they won't tell me.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Dear Consumer Finance Protection Bureau, I am writing to file a complaint against Synchrony Bank for unfairly lowering my credit limit from {$4000.00} to {$3200.00} without sufficient reason. I am requesting your assistance in investigating this matter and resolving it as soon as possible.

My complaint stems from my recent purchase of a sectional from Rooms to Go, which was financed through Synchrony Bank. At the time of purchase, I was not made aware that the financing was through an actual credit card. It was advertised as a store credit through rooms to go and not synchrony bank that was giving me financing. I thought this was like a arrangement where I pay the store back on monthly payments. So this was false advertising and misleading information provided. This immediately had a negative impact on my credit score because of the high usage. 

Recently, I received a letter from Synchrony Bank stating that they had lowered my credit limit based on a credit scoring system that predicted my creditworthiness. The letter further explained that their decision was due to a number of reasons, including not enough balance paid down over time on real estate secured loans, too many inquiries, balances on bankcards that are too high compared with credit limits, and too many accounts recently opened. 

However, these reasons are not a true reflection of my creditworthiness or my payment history with Synchrony Bank. I have always made payments on time with auto-pay, and I have never missed a payment. 

Therefore, I am requesting that Synchrony Bank raises my credit limit to {$10000.00} to correct the negative impact this has caused on my credit score. Additionally, based on the letter I received, Synchrony Bank ran my credit without my permission, and I request that this inquiry be removed immediately. Lastly my name is spelled XXXX XXXX not XXXX XXXX. This shows there lack of attention to detail too. 

I appreciate your attention to this matter, and I am hoping for a prompt resolution. 

Sincerely,
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kashable LLC (NV)

Hello My name is XXXX XXXX. This account has violated my consumer right to privacy and confidentiality based of the Fair Credit Reporting act. under 15 USC 1681. 
Account name : XXXX with account number XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

and list of Inquiries. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I DONT RECOGNIZE THESE INQUIRIES 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 2018-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (NY)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen, among them was my passport, driver 's license, social security number and paystubs that showed my address and birthday. Ever since several accounts have been opened in my name without my approval or knowledge. This XXXX XXXX XXXX account was opened without my knowledge or approval. The apartment complex that the XXXX XXXX XXXX service was opened at has acknowledged that I did not execute the lease or live at the apartment complex. The lease was executed in my name without my knowledge and all utilities at the apartment complex were opened by a third party without my knowledge. I have attached a copy of the the FTC identity theft affidavit.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (GA)

I filed a dispute with Equifax and XXXX on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. Equifax and XXXX marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.