davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

Im the consumer in which this debt is arising from. I know my rights & who I am I understand that I have been mislead & lied to by this debtor. I also understand that I am the creditor of this consumer transaction in which this debt is arising and I understand that I need to be compensated for these damages listed below.

To whom it may concern Syncb/PPC XXXX 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Nexus. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I made 2 payments ( XXXX ) that were reflected as processing XX/XX/year>, I received an email stating the XXXX payment was applied but not the XXXX, when I checked the app, neither was reflected ( i have screen shot ). I called customer service they couldn't find XXXX or XXXX payments. I requested a supervisor and the next tear level claimed tgat they could see it but XXXX balance XXXX was correct with the missing XXXX and XXXX dollar payment deducted. I requested a writen explanation because it's unlikely overall balance is synced but incoming payments aren't, they refused to provide any information.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (KS)

On XXXX, XXXX, XXXX, I received an email from Synchrony Bank Care Care credit card, informing me that my account is closed as of today. The reasons are from a credit report from XXXX, claiming I dont own enough property and other out of ordinary criteria that I didnt meet and my credit score is XXXX. 
My XXXX credit report is frozen and has an active fraud alert that expires on XX/XX/2023. 
Synchrony Bank couldnt have been able to access my credit report. However, I did notice that on XX/XX/2023, my bank, XXXX XXXX did an inquiry. My credit score thru XXXX XXXX, which is thru XXXX XXXX is not the same as what Synchrony Bank informed me. 
Im confused as to what credit reporting service was used for Synchrony Bank to randomly close my credit card. I was current with payments.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (PA)

Chase failed to make insurance payment to XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX from escrow account by XX/XX/year> which resulted in termination of insurance. Was unable to find replacement insurance. Chase has now increased my mortgage payments by XXXX XXXXXXXX to pay for new insurance. I cant afford it. It was their mistake and they need to take responsibility for it.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

I am writing to file a complaint against Discover regarding a recent issue with my credit card account. I have been diagnosed with a XXXX XXXX and have been suffering immensely over the past few months. Despite my best efforts, this illness has significantly impacted my life and emotional state. Recently, I made a payment on the Discover website, but I was reported late to the credit bureaus. This is the first time I have had a late payment, and I am committed to maintaining on-time payments with my account moving forward to avoid any issues.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I am unaware of this debt and was never given the opportunity to dispute it before it appeared on my consumer report, as I did not receive proper notification. This lack of notice is a violation of my rights, and I will not tolerate it. 

If you claim that I did receive proper notification, then I demand you provide the CERTIFIED mail receipt, including my signature, proving that I received such notification at least five days before this debt appeared on my consumer report, as required by 15 U.S.C. 1692g ( Validation of Debts ).

I am fully aware of my legal rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These laws grant me the right to dispute the validity of this debt, and they require you to provide verifiable validation of this debt upon my request. If you can not produce a certified copy of my signature, confirming that I received proper notification of this debt, I demand that this collection/charged-off account be immediately and permanently removed from my credit report. 

My name is XXXX XXXX, a XXXX XXXX man who has worked tirelessly to build a better life. Systemic racism has repeatedly impacted my financial situation. Recently, I became a victim of identity theft, resulting in fraudulent accounts on my credit report, further damaging my score. 

Despite the protections of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), my case has not been handled fairly, likely due to XXXX bias. This identity theft has severely impacted my ability to secure a higher-paying job, essential for survival in todays economy. I am now at risk of homelessness due to inflated costs and this unjust situation. 

For 30 years, my credit history has been a constant struggle, worsened by systemic XXXX biases. As a responsible, literate XXXX XXXX  with a higher credit score, these fraudulent charges feel like an attempt to keep a XXXX person down, with a boot on my neck. I demand the immediate removal of this account and respect for my rights under the ECOA, FDCPA, and FCRA. 

Fraudulent Account Details Below : Collection Agency Name : Amsher Collection Services Account Number : XXXX Balance : {$510.00}
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I contacted I C systems Inc to dispute a collection on my credit report. This same account appeared in XXXX with the same company ( IC systems ). At that time it was disputed and it was removed. Now the company again is involved in similar practice of putting someone else 's account on my report as debt. I have contact and filed an affidavit with XXXX XXXX, Police report, FTC Identity theft, however the company is still engaged in violation of CFPB practices. This account is not mine, has been disputed as fraud, once before in XXXX and again in XXXX. The company could not check in its own database that this account was disputed before and is trying to collect again violating the policies.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

I received a harassing letter and ph call claiming I owed a medical debt. I immediately requested validation of the debt, the company sent statements which according to Federal Credit Union v. Kauanoe*, 62 Haw 334 ( 1980 ) statements are not instruments proving debt. The company sent no contract or agreement of services. Furthermore they are using a 3rd party processor to print and send billing statements which is a direct violation 15 U.S. Code 1692c ( b ), as I have not granted them permission to share my information with a 3rd party.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX Chase Bank and XXXX Banking Issue 's Checking Acct. Ending in XXXX Date From To Amount Reference num. Notes XX/XX/year> XXXX XXXX {$150.00} XXXX XX/XX/year> XXXX XXXX {$22.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XX/XX/year> XXXX XXXX {$25.00} XXXX XX/XX/year> XXXX XXXX {$60.00} XXXX XX/XX/year> XXXX XXXX {$200.00} XXXX XX/XX/year> XXXX XXXX {$640.00} XXXX XX/XX/year> XXXX XXXX {$220.00} XXXX XXXX XXXX received fund, she lives in MN. 
XX/XX/year> XXXX XXXX {$20.00} XXXX XX/XX/year> XXXX XXXX {$30.00} XXXX XX/XX/year> XXXX XXXX {$33.00} XXXX XX/XX/year> XXXX XXXX {$220.00} XXXX XX/XX/year> XXXX XXXX {$600.00} XXXX XX/XX/year> XXXX XXXX {$5.00} XXXX XX/XX/year> XXXX Chase Claims XXXX XXXX Called Chase Bank to fill a claim against XXXX XXXX for scamming me XXXX. XXXX XXXX thats when I got the Claim number. XXXX said because of the Holiday we need to wait until XXXX to see if it is rejected by Chase because of the claim. 
XX/XX/year> XXXX Chase Claims XXXX Spoke with XXXX from the Claims Dept, Per XXXX the {$220.00} went through. 
XX/XX/year> Chase Bank XXXX XXXX then gave me the XXXX XXXX # XXXX. I called XXXX, XXXX XXXX she could not help. She said go back to Chase Bank and ask for the XXXX support Dept. well I was informed by Chase that their is NOT A CHASE XXXX SUPPORT DEPT. 
XX/XX/year> Chase Bank XXXX XXXX Received a Denial letter no adjustments will be made XX/XX/year> Chase Bank XXXX XXXX XXXX XXXX XXXX @ XXXX re : reopening claim # XXXX Stated I need to speak with XXXX ( Supervisor ) XXXX transferred the call to XXXX. 
XX/XX/year> Chase Bank XXXX XXXX ( XXXX ) XXXX XXXX XXXX @ XXXX, Per XXXX ( Supervisor ) Claim was NEVER reopened. XXXX ( XXXX ) Keeps going to the Origin. Claim # XXXX Denial letter dated XX/XX/year>. XXXX ( supervisor ) Told me to call Tech SupportXXXX XXXXXX/XX/year> Chase Bank XXXX XXXXXXXX XXXX XXXX XXXX, XXXX gave me the steps to get the History of XXXX 's XXXX XX/XX/year> As of XX/XX/year> Chase Bank keeps blaming XXXX and XXXX blames Chase Bank XXXX 

XX/XX/year> XXXX XXXX Today XX/XX/year>, I will be filing a case to the CFPB for FRAUD against Chase Bank and then for XXXX.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I have called, created accounts to reach support and filed several complaints Dear Cash App Support Team, I am writing to formally request the deletion of my personal information from your records, in accordance with my rights under California law. As a resident of California, I am protected by the California Consumer Privacy Act ( CCPA ), which grants me certain rights regarding the collection and use of my personal data.

Under the CCPA, I have the right to request that you delete any personal information that you have collected about me. This includes, but is not limited to, my name, address, email address, phone number, and financial information. I am exercising this right and hereby request that you delete all such information from your databases and any third parties with whom you have shared it. 



Failure to comply with this request may result in legal consequences under the CCPA. As you are aware, the CCPA allows for penalties of up to {$7500.00} per violation, as well as potential civil action by individual consumers. Therefore, I urge you to take prompt action to delete my personal information as requested. 



Please confirm in writing that you have received this request and have taken the necessary steps to delete my information. You can reach me at the contact information provided above if you require any further clarification or documentation. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX and last name XXXX XXXX - Phone number ( XXXX ) XXXX - Email address XXXX XXXX - Last XXXX digits of the debit card, bank account, or Cash App Card that was/is linked to your account XXXX XXXX XXXX XXXX Please delete ALL LINKED ACCOUNTS, MY NAME, SOCIAL SECURITY NUMBER, DEVICE INFORMATION, INCOME INFORMATION THE BANK DETAILS INCLUDING THE BANK STATEMENTS I PROVIDED YOU. ALL INFORMATION ABOUT ME INCLUD DEBIT CARD BANK CARDS ETC. 

I want my information deleted. I have multiple emails as I needed to open all these accounts because the only way to reach them is by going to support!
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

On XX/XX/year>, I submitted a dispute with the three major credit agencies, clearly stating that I have never had any contract with LVNV FUNDING For any debt. I am requesting that you provide proof from the original creditor confirming that LVNV FUNDING owns this debt and has the legal authority to collect it. If you can not provide this proof, the account must be deleted. To date, I have not received any verification of the debt. There is no proof this card was mine i signed for it any of my accounts made a payment to this card company, or i purchased anything with this card the only credit card i have owned is my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

I received recently a collection notice from a bill from XXXXXXXX XXXX  that I did not received, it was not disclosed to me regarding any charge, and now they have even referred me to collections with no warning, nothin. 
Account is XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Dear Resurgent Capital Services, I sent your company a certified letter requesting debt verification for account XXXX, and your company provided me with a copy of the account summary. According to the FTC, an account summary and billing statement does not represent verification. I also want to point out that some of the transactions were made in XXXX XXXX, NV which is XXXX XXXX XXXX of where I live in XXXX California. You can not continue to report disputed debt if you fail to validate. The law is clear on this issue. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} per incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I'm asking your company to stop all phone and mail communication except for advising me that you will immediately delete this account from my credit reports. Here is what you need to do within 10 days or I will be talking with an attorney to make sure I have my rights under the FDCPA and the FCRA. Instructions : 1 ) Delete this account from XXXX, XXXX, XXXX within 10 days from today. 2 ) Cease all phone and mail communication 3 ) Stop all collection activity on this account as I consider this matter closed. 4 ) Send me a check for {$1000.00} for violating the FDCRA. If my requests are not met, I will escalate this matter.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brown and Joseph, Ltd (FL)

I was contacted by Brown & Joseph XXXX XXXX XXXX XXXX telling me I owe a debt to XXXX XXXX XXXX and that they are collecting this debt. I do not know what they are talking about, I never had a debt with XXXX, and no proof was provided that there is such a debt existent. Moreover, my XXXX  ( XXXX XXXX XXXX XXXX ) was dissolved in 2023, and has not been operational, so there should not be any debt for a dissolved XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received .These collection agencies are very reckless by just placing accounts on consumers credit reports without sending them any written notification.
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-08
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: Westcreek Financial (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-06-08
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 (GA)

I would like to file a complaint against XXXX XXXX, Portfolio Recovery, XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each LettXXXX was initially sent to all companies on XX/XX/year>
Consumer complaint received 2024-06-26
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. (MA)

on XX/XX/year> I was informed that there was negative information on my consumer report. account XXXX. On XX/XX/year> I asked Experian to provide me a description of the procedure of the investigation used to verify this account according to 15 USC 1681 ( i ) 7.

A description of reinvestigation procedure : a consumer reporting agency shall provide a Consumer a description referred in paragraph ( 6 ) ( b ) ( iii ) by no later then 15 days after receiving a request from the consumer for that description. Once again Experian is violating my rights under 15 USC 1681 ( i ) 7 by not complying to provide me a description of how they verified this account within 15 day of my request.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX