davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (IL)

I was not receiving bills from Target red card. While reviewing my expenses I noted I missed a payment and contacted the company to send me paper statements. The following month, I again received no bill. I received an email informing me my payment was late. I immediately paid the bill. Target then lowered my credit limit by XXXX resulting in an XXXX point credit score decrease and cited multiple delinquent accounts. I have no missed payments, no delinquent accounts and up until Target fraudulently lowered my credit limit I had a credit score above XXXX. Target is committing credit card predatory lending and fraudulent abuse of credit limits. I am going to pay this card off and close my account but want a complete investigation into their fraudulent practices.
Consumer complaint received 2024-01-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

I received a bill for {$3800.00} from a XXXX account that was not mine. 

Myself, or any member of my family has never had a XXXX account. I have had my cell phone account with XXXX for over 25 years and no other account. 

The XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX The collection agency phone # is : XXXXXXXX XXXX phone XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have repeatily contacted Portfolio Recovery Assoaciates over the last 4 years regarding the balance of {$1700.00} on Account # XXXX that this is not my debt and have offered the following ; My name is not XXXX XXXX My Address is not XXXX XXXX XXXX # XXXX ( This address is a single family home ) The deliquent debt has never shown on my credit report The social security number for XXXX XXXX does not match mine I have experienced ID theft as reported to the FTC Today I asked them to XXXX XXXX XXXX and there is no record of that name at XXXX XXXX XXXX I am XXXX XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX, MA
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Consumer Dispute Regarding Violation of Laws CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ) Dear Sir/Madam, I am writing to file a formal consumer dispute against National credit system regarding their alleged violations of the following laws : CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-2 ( 7 ) ( a ). 

Firstly, in accordance with CFR 1006.34 ( b ) ( 5 ), National credit system has failed to provide accurate information. Despite my repeated attempts to rectify the situation, the company has not taken appropriate action to address the inaccuracies in the information they have reported. 

Secondly, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), National credit system has neglected to investigate my disputed claim within the required timeframe. I have provided all necessary supporting documentation and evidence to substantiate my claim, but the company has not fulfilled their obligation to conduct a proper investigation. 

Furthermore, as per 12 CFR 1006.34 ( d ), National credit system has failed to provide me with a written response outlining the results of their investigation and any actions taken to resolve the dispute. This lack of communication and transparency is in direct violation of the law. 

Lastly, National credit system has violated 15 USC 1681-2 ( 7 ) ( a ) by unlawfully disclosing my personal information to unauthorized third parties ( XXXX ) without my consent. This breach of privacy is not only a violation of federal law but also puts me at risk of potential identity theft and financial harm. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against National credit system for their violations of the aforementioned laws. I would also appreciate your guidance and assistance in resolving this dispute and ensuring that National credit system complies with all relevant consumer protection laws moving forward.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with FCRA, this creditor has violated my rights under 15 1681 section 604b states that i have a right to privacy. 15 USC 1666b also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purposes.I disputed the inaccurries on the account on XX/XX/23, XX/XX/23, XX/XX/23, and on XX/XX/23 and i haven't got any response from the creditor. This creditor has continuously ignored my requests. I am actively trying to get approved for a mortgage loan. I need this account removed immediately
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

SYNCHRONY FINANCIAL XXXX XXXX XXXX SYNCB/PAYPAL 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 XXXXXX/XX/XXXX I request that these inquiries be removed from my report because were not authorized
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

On Thursday, XX/XX/XXXX, I was traveling to XXXX, XXXX for leisure. While at the airport in XXXX XXXX, I took a cab that quoted me {$7000.00} XXXX  pesos, or roughly {$7.00} USD ( I was charged {$7400.00} USD ) I agreed to pay that amount. After a short ride, I presented my card to the driver while I unloaded the bags from the trunk, once the nags were out, I was handed my card back and I did not ask for a receipt nor one was offered by the merchant. Once at my hotel, I reviewed my transactions on the Citi app and noticed that I had been overcharged by a significant amount and I proceeded to call Citi immediately to dispute the charge. Over the phone, I was informed that there was nothing myself of Citi could do until the transaction posted, and even after explaining the situation to the agent on the phone, I kept getting reassured I wouldn't be responsible for that charge. Once the transaction posted a couple of days later ( XX/XX/XXXX ), I formally disputed the charge. Unable to contact the merchant, given that it was a cab, I have no way of obtaining a receipt or dispute the charge with them directly. 

On XX/XX/XXXX, Citi informed me that the case was closed and that I was responsible for the full amount, since I was not able to provide them with a receipt, despite me twice speaking with agent on the phone and explaining the situation in detail over the phone and over email. I spoke with Citi again on XX/XX/XXXX to appeal the decision and the agent on the phone let me know that they would be reopening the case and reviewing all the information, since the email I had sent detailing the situation had not been reviewed properly. 

On XX/XX/XXXX I called Citi again where an agent informed me that the investigation was still pending and that it had been escalated on XX/XX/XXXX and should had a resolution in the coming days. 

On XX/XX/XXXX I called Citi again and I was informed that the investigation had been closed, for the same reason as before ( lack of receipt ) and after explaining the situation on the phone with the agent, they agreed that this should not have happened and that they would be contacting the merchant. I was led to believe that they would be contacting the merchant to confirm the amount for the service provided. 

on XX/XX/XXXX I called Citi again and the agent on the phone informed me that this was being handled as an irregular billing dispute, since a card was present, and there was nothing Citi could do anymore since I had not provided a receipt for the transaction. I was also informed that the merchant was never contacted, and it wouldn't be contacted. and that Citi had no reason to continue to pursue this investigation anymore.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have contacted the Lexus customer support over an issue with my Lexus vehicle. The vehicle has an audio issue in which the audio cuts off and does not come back. When the audio cuts off, I can not hear anything, whether it is music or an incoming call. I have an ongoing case and there is no update, despite having gone to the dealership multiple times and waiting months for the issue to be fixed. My Lexus case number is the following : XXXX. My representative 's name is XXXX and my last contact with her was on XX/XX/24 in which she informed me that there is no update on my case and they still do not have a fix. I have gone to the dealership multiple times, I have been in contact with Lexus for months with the opened case and there is still nothing.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

A collection account which shows as " XXXX XXXX '' appeared on my credit in XX/XX/2023. I attempted 3 times to contact them with no response. They are falsely reporting to my credit that I opened an account with them in XX/XX/2023 which is " open '' and the original creditor was " XXXX XXXX ''. I moved to Missouri in XX/XX/2023 and have resided here since. Upon leaving Oregon I paid all debts in full in term of utility bills, XXXX XXXX was included. There was no unpaid balance. I did not open any account in XXXX.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (VA)

My ex girlfriend evidently put a credit card account in my name without my knowledge in XXXX while she was living with me at that time and I am no longer with her today nor does she live here but since she has been gone I had no idea about this debt or do I own this credit card at all and the only way I found out about this was a warrant in debt to go to court on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (LA)

Ive reached out to National Credit Systems to verify debt. I was later sent an email where I could send payment. Im aware of Fair credit reporting act, laws, and statute of limitations. I have the right to dispute incorrect information, which I have tried multiple times through XXXX to validate debt. I have reached out to them directly and began receiving calls early mornings and have received emails. The statute of limitations for debt collections is 4 years in the state of Texas where the contract was signed and state law name in the original copy of contract. After the time has ran out, debt collectors CAN NOT LEGALLY attempt to collect on debt. Therefore, they are violating the FRCA by reporting this collection on my credit report still after XXXX. Ive suffered for the past few years to get this removed due to the debt being paid when they brought it from XXXX XXXX
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Missouri Laws Dear CAPITAL ONE, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside XXXX Missouri identity theft fraud laws, particularly the Missouri Revised Statutes Chapter 570.

It has recently come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent as a fundamental prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, XXXX Missouri state law, specifically under the Missouri Revised Statutes Chapter 570, underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with absolute certainty that I have not granted consent for CAPITAL ONE to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially causing harm to my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, with utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant provisions of XXXX Missouri laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I sent out a letter requesting a letter of XXXX  to XXXX XXXX  XXXX regarding my account status being reported late for XXXX and XXXX of XXXX ( document attached ). I had recently changed banks during this time and forgot to update my account with the updated banking information where the monthly payments were being deducted from. XXXX  XXXX  was still allowing me to submit and process my payments successfully these months ( Please see documents attached ) and failed to notify me that the payments were being reversed because the account that was attached was no longer in use. I thought the payments were processing because it always showed on the login platform that my account was up to date. Until I happened to login to make my payment for XXXX and noticed that it said the account was 2 months past due. This issue would've been prolonged had I did not check my credit report and seen the late charges. I called the company myself and they told me that the banking information needed to be updated. 

As soon as it came to my attention that the payments weren't being deducted from my business account, I paid the account up to date and requested the late payments be removed. I only see the late payments for XXXX removed off my credit report. However there is still a late charge under my XXXX and XXXX for the month of XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

An unauthorized transaction {$750.00} was taken out of my chime account for a company called XXXX XXXX. I have no association with that company at all and have never made any purchases that involved them in the past. I saw that it is a company based in XXXX. I live in the state of XXXX. My card is always on me and nobody else has access to it. I filed a dispute with Chime only to get an email hours later saying that there was no error in their investigation of the unauthorized transaction.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have been getting phone calls off and on from Portfoliorecov ( Portfolio Recovery ) from my cell phone and they haven't left me any voice mail messages and been reporting them as spam because they would call and hung up. But lately, they have been trying to call them at my full-time job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). And for the record, I have not give them my work phone number at all because they have been calling me on the clock!!
Consumer complaint received 2024-02-15
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: Bridgecrest Acceptance Corporation (AZ)

XX/XX/2020, I requested a voluntary surrender. The car was immobile due to a mishandled recall repair by the dealership. I advised Bridgecrest that I was moving from the state after my only child was recently murdered. I was unable to transport the immobile car with me. However, I offered to have it towed to Bridgecrest. They declined my offer. They advised me to remove my belongings, leave the key, and they would pick it up from the dealership in a few days. I never heard from Bridgecrest again after I initiated the voluntary surrender. They marked my account as XXXX XXXX then an Involuntary Repossession. The involuntary repossession has been reported for XXXX XXXX and has caused me a severe financial hardship.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

on XX/XX/XXXX, XXXX in executive services informed me that my account was closed on XX/XX/XXXX for returned checks on the account that were fraudulently made. I informed the fraud department numerous times that I am in fact a victim of ID theft since XXXX and needed additional security measures added towards account. The fraud department declined disputes regarding fraud charges and directed me to standard dispute department, informing me that the charges were denied because I accessed the mobile app.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ME)

I have a Synchrony Bank Carecredit card. I originally got it for a XXXX  to have XXXX and to pay for Veterinarian costs. The limit on the card is {$12000.00}, and I didn't realize that they opted me into a protection thing of some sort that costs money based on the balance of the card. I called repeatedly to ask them via email to discontinue this well over a year ago, multiple times, and have emailed multiple times, but the emails bounce back to me. When I call I am placed on hold for long periods of time, never able to talk to a human before I hang up out of frustration. I have even resorted to a third party email service that contacted them on my behalf, and verified the email was received by them months ago ... with no response. There is no option in my account settings to cancel this " feature '' and it's costing me XXXX  per month that I do not wish to pay. I wanted it cancelled almost immediately after getting the card, and have been trying to do so for months, at this point, a year or more. I want these charges reversed, and all interest from them removed as well, since I am unable to cancel this myself via the web, and apparently need to speak with a human that works there, who is apparently not available to me in a reasonable time. I view this as theft of XXXX  of dollars at this point.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint against MIDLAND CREDIT MANAGEMEN Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against MIDLAND CREDIT MANAGEMEN for egregious violations of my consumer rights, as protected by the consumer Financial Protection Act. It has come to my attention that MIDLAND CREDIT MANAGEMEN placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alledge debt. 
I hereby declare my revocation of all communication channels with MIDLAND CREDIT MANAGEMEN, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair CreditReporting Act ( FCRA ), i am formalyrequestingthat MIDLAND CREDIT MANAGEMEN provide a purchase orderagreement between them and the original creditor. I am particularlyconcerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If MIDLAND CREDIT MANAGEMEN is unable to produce this documentation, i demand the immediate deletion of the account from my credit report. 
The date on my consumer report indicating that i opened an account with MIDLAND CREDIT MANAGEMEN is balantly false. I neither received any services or products from MIDLAND CREDIT MANAGEMEN nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infriges upon my cosumer rights. 
Moreover, it has come to my attention that MIDLAND CREDIT MANAGEMEN is not licensed or bonded to collect debt in my juridiction .This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of MIDLAND CREDIT MANAGEMEN constitue clear violations of the 12 CFR 1006.34 ( d ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( b ) ( 5 ), and 15 USC1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and i trust The Consumer Financial Protection Bureau will thoroughly investigate and adress these infractions. 
Please keep me informed about the progress of this complaint, and i appreciateyour attention.