davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (TX)

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of Lockhart , Morris & Montgomery , Inc to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MD)

I received a billing statement from a Concora Credit for an Indigo credit card. The bill reflected that I owed them {$170.00} for an annual fee and an additional {$2.00} for " credit protection fees ( Please note that there were no other charges on the statement and the payment due date was listed as XX/XX/2024 ). The bill reflected an annual rate of XXXX XXXX! However, I never signed up for this credit card nor did I ever receive a credit card in the mail from them. I did call them and tried to get the account closed but they asked for my social security number and I refused to give that to them. They also asked for the account number of the card but that was not on the billing statement so they said that they could not help me. I have since written them and demanded that my account be closed and the account XXXX  out. I also advised them that I would be reporting them to the CFPB- I believe that this firm is scamming innocent consumers and needs to be stopped!
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] XXXX : [ XXXX XXXX ]
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (OH)

The credit card company Avant calls me up to 3 times a day 6 days a week for over 30 days I have asked them more than once to stop calling and they still call me daily. When I have called them back and ask them to stop calling me and I get told they aren't calling me, that I called them. I have attempted 3 times to have them stop, including 2 times today XX/XX/XXXX at XXXX, and XXXX. 
their most recent calls are XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2023-03-14
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: Bridgecrest Acceptance Corporation (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 6

02 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to them to release my information. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2024-07-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I was going through hardship and couldn't pay the bill in full. This company notified my employer for garnishment around XX/XX/year>, but I got on a payment plan.
Consumer complaint received 2024-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (FL)

Applied for a cell phone service but my credit got me denied but the representative issued me a device for internet but I pacifically made it clear that I already had internet service through another company but he proceeded to continue saying to try it out and that it will not go on my credit. I never used the services with them ( XXXXXXXX ). So Im not understanding why I owe them any money for something I didnt agree to
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (CA)

I noticed my credit score has been continuously decreasing every month since the beginning of this year. I checked my credit report today and noticed there are XXXX late payments with Truist Bank. I have never heard of it or opened an account with Truist Bank. I called Truist bank, and they confirmed someone opened an account and card under my name and social security number. Truist bank confirmed there is a balance of {$11000.00}. However, they informed me that bank account was blocked and canceled by someone in XXXX. That someone, was also not me. The balance was never paid as I was never aware of this account since I did not open it. The the unpaid balance on this account as a result of identity theft has now significantly affected my credit score.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Consumer complaint received 2024-07-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: E. Margriet Langenberg, P.C. (VA)

XXXX XXXX XXXX is a collections attorney used by my Homeowner 's Association. XX/XX/XXXX I received a summons to court for non payment of HOA fees. My savings account had a garnishment placed illegally due to the funds in the account being from my military XXXX benefits. The garnishment on my savings account is causing me to miss important payments, dropping my credit score, causing a financial burden and emotional distress. The attorney has been in contact with my ex husband to resolve the debt. When he did not follow through with the payment arrangement, a garnishment was placed only on my accounts due to him being active duty. As a veteran, I receive VA XXXX payments. The money that is in the account being held for garnishment is a portion of this payment. This has been communicated to the attorney. She requested that I provide documentation of this and I did so on XX/XX/XXXX. She has since stopped communication with me. My ex husband has since paid the full amount that was requested per the summons in the amount of {$2300.00} which included legal fees. She emailed an acknowledgment of payment and stated that she was moving forward with removing that garnishment on XXXX, XXXX. As of today, XXXX XXXX she has not removed the garnishment and has requested an additional {$1300.00} in legal fees before she releases the garnishment. None of the fees she's requesting has anything to do with the HOA and the initial reason for the garnishment. I have contacted again today XX/XX/XXXX, my HOA explaining the situation and they say that they can not help me. The longer that I dont have access to my money the further behind I am on bills. I am getting by using credit cards to feed my children. I believe that my rights under the XXXX XXXX XXXX  XXXX are being violated.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

THIS CFPB COMPLAINT HAS BEEN FILED PURSUANT TO FCRA 605 B OR 15 USC SUBSECTION 1681 ( C ) ( 2 ) THAT YOU, INNOVIS, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT.THIS FRAUDULENT AND INACCURATE INFORMATION CONSIST OF THE FUSE AT PARK ROW APARTMENTS # XXXX. THIS ACCOUNT HAS RESULTED IN A COLLECTION APPEARING ON MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNT AS REPORTED BY YOU, WAS NOT OPENED, MADE OR INITIATED BY ME. THE ACCOUNT WERE INITIATED BY FRAUD. I HAVE ATTATCHED A COPY OF MY FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE U.S. FEDERAL TRADECOMMISSION. THE AFOREMENTIONED CONSUMER CREDIT ACCOUNT IS A RESULT OF IDENTITY THEFT AND FRAUD.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

I wasnt able to get my credit limit increase when Ive been making on time payments for months, I just a few months back had to change jobs do to a certain situation, they wont work with on the due day they wont let me re take out the Loan or anything theyve done collateral damage on some iteams Ive had use as collateral they have outta town people stalking and harassing me
Consumer complaint received 2023-03-14
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the fair credit Reporting act Credit Acceptance has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CO)

BMO Bank in my checking account bill pay shows $ XXXX on a credit card and the prompt is to pay that amount on the due date. The actual balance due that should be paid to avoid penalties and interest is {$490.00}. That amount is not shown. I have to figure out how to find that. This apparent standard, deceptive practice has to cost unsavvy bank customers a great deal of money. It should be outlawed.
Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (CA)

On XX/XX/XXXX XXXX I received a phone call from the loan XXXX regarding the declined of the loan. 
I keep asking for the reason saying that was due to the FHA water source guidelines, and that I going to received information from Rocket Mortgage. 
the same day I went to the internet to do a research of those mentioned guidelines which I forward to the loan XXXX, and not response. I did asked for the appraisal also which we paid. 
He reply to my text saying " The Water source is considered to be from a spring, lake, river, sand-point, or artesian well '' is why it's ineligible '' On Monday XX/XX/XXXX I contact Rocket copy and the referred me to another loan XXXX who send me the declined letter which it say " *Collateral : Unacceptable property type '' nothing related to the water source. Again they reply to me to call XXXX representatives which I spoke to XXXX. XXXX told me that she will get back to me. When she did her reply was that was because the FHA and company guidelines which I reply that is not clear and if I can talked to the underwriter or other high management. Her reply was that no. 
I being in contact with FHA and they reply to asked the mortgage company for a written reason about why I was declined from FHA guidelines which until today no response. 
Today XX/XX/XXXX FHA referred me to file a company complain through Consumer Financial Protection Bureau XXXX FHA said very clear that the " Mortgagee must ensure that the water quality meets the requirements of the XXXX XXXX with jurisdiction? ''
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Wrong information Inquiry details these or not my inquires. 

XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021
Consumer complaint received 2024-07-25
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. (FL)

I am reaching out in hopes of obtaining a refund on a flight I purchased through XXXX XXXX. The relevant information is attached to this letter. 
I purchased tickets through your company on a XXXX XXXX flight on or about XX/XX/year>. The tickets were purchased through an entity called XXXX XXXX, referenced in the billing dispute as XXXX XXXX. I booked flight XXXX  with XXXX XXXX. The flight was intended to take off from XXXX, Florida to XXXX XXXX, XXXX with a layover in XXXX, XXXX. 
The return flight entailed the same route with an ultimate return to XXXX, Florida. 
As it is well known, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. The XXXX  broke out after I had made the purchase of the plane tickets. Subsequently, the XXXX Government issued a XXXX XXXX warning against travel to XXXX the highest warning level against travel to a country. While this would have made it imprudent for me to fly into XXXX, it is auxiliary to the issue presented in this dispute. 
The flight I purchased was cancelled by the airliner. I did not cancel the flights on my own volition. 
The flight was cancelled by XXXX XXXX as a consequence subsequent to the outbreak of the XXXX  following the attacks of XX/XX/XXXX. Even in the event that it was the option of the airline and/or XXXX XXXX XXXX XXXX the trip, doing so would be inconceivable and imprudent given the XXXX XXXX warning issued by the XXXX Government as well as the outbreak of the war within its borders. 
I have not received any credit or refund for the cancelled flight and there has been a lack of cooperation and/or communication from XXXX XXXX and/or XXXX XXXX. For one reason or another, there seems to have been a mistake in that it was determined that I had initiated the cancellation of these flights, which is incorrect given that XXXX XXXX was the entity that cancelled the flight. 
Respectfully, XXXX XXXX XXXX, please find the following attachments : Flight confirmation details ; Flight cancellation details from the airliner ; Correspondence to Chase ; and The response to the initial dispute from a Chase Customer Service Specialist
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MN)

I filed a dispute cause someone stolen all my money from chime I gave proof I was locked up at the time and no one was authorized to use my card the didn't refund my money and close my account with out giving me an explanation
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (AZ)

On XX/XX/XXXX I received an email from XXXX XXXX XXXX informing me that my credit score went down XXXX points. I pulled up the credit report details, and the details indicated that an open installment account for an education loan through MOHELA/Dept of Ed with a balance of {$82000.00} was open in my account. I never opened this account or took out this loan. I contacted MOHELA and they could find no record of me in their system at all, not with my social security number, my name, or my phone number. According to MOHELA, I didn't have a loan. This account only showed up on my XXXX credit report. I checked my XXXX and XXXX credit reports on annualcreditreport.com, but the education loan was not showing up on those reports, only XXXX. I contacted XXXX on XX/XX/XXXX and filed a dispute. They opened an investigation, and I should receive information in the mail regarding the outcome of that investigation within 30 days. To be clear, I did not open an account or take out an education loan with MOHELA or any other agency. My Experian credit report indicated that the education loan was opened on XX/XX/XXXX and that the last payment was made on XX/XX/XXXX in the amount of {$2.00}, yet I have had no communication with MOHELA and the account has never showed up on my credit report until this month. The representative from XXXX that I spoke with recommended that I file a complaint on XXXX, which is what I am doing now.