davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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: Lockhart, Morris & Montgomery Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear LMMINC, I am writing to address a blatant 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 ), and identity fraud laws, specifically Missouri 's statutes on identity theft and fraud.

It has unequivocally come to my attention that LMMINC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, Missouri state law, particularly Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information, aligning with the protections afforded under the FCRA.

I assert with unwavering certainty that I have not provided consent for LMMINC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LMMINC immediately cease 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 Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. 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 LMMINC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX XXXX
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

This is regarding our bank, Chase, and bank fraud resolution on claims we have filed. We have a Chase business checking account. Two checks were fraudulently endorsed and cashed through XXXX in XX/XX/XXXX. I filed 2 claims through Chase in XX/XX/XXXX. XXXX processed one claim in XXXX and one in XXXX. They have issued cashiers checks to Chase, one of which was cashed by Chase in XX/XX/XXXX. It is XXXX, and our bank account has not been funded. 

When I call Chase claim department about the payment, Chase state they : haven't received the funds, state they email claim inquiries to XXXX but XXXX doesn't response, don't attempt to reach out to XXXX to inquire about the cashiers checks, don't attempt to ensure they are contacting the correct XXXX dept, state they don't use the phone to call XXXX - all correspondence is electronic and refuse to give me any additional information. And, I'm not allowed to talk to anyone higher up than a claims escalation representative whom can only inquire via email to the " back office ''. 

When I talk to XXXX, they state they have responded to Chase and have notified them of the mailed cashiers checks. They refuse to talk more to me about our funds because I'm not named executrix?!!
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had applied for Savor One card through Capital One. There were the venture card and quicksilver. Also available for 0 % balance transfer for 15 months as well. I activated the card when received XX/XX/XXXX promotions should have been activated yesterday XX/XX/XXXX and I am still being denied the 0 % balance transfer for 15 months. They are not budging on the promotion and keep telling me that it is a 30.49 %.
Consumer complaint received 2024-01-08
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. (MD)

Company is reporting information without authorization of consumer with a third party that which is protected by the Privacy Act. Additionally, the Bankruptcy Court confirmed that they did not report directly to the credit bureau.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TN)

15 uSc 168|6 Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer 15 USc 6802 A Financial Institution may not 2,232 disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out According to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (TX)

I put in an application 4 business days ago, when I was contacted they asked for more information, but could not give any information about the status of application. 

When I asked the agent who specifically told me they were the loan officer for their NMLS # in order to confirm who they were, they refused. I was asking for the information because the call seemed off. 

The person went back and forth and wouldn't give me any info on the company or status to withdraw the application. 

They wouldn't withdraw my application. 

I asked for a supervisor and was hung up on. 

Agent on the phone was named " XXXX '' phone number called from was XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am very disappointed with these companies ways of investigating. On XX/XX/2023 I sent the creditors and bureaus a letter and all supporting documents that proved I am a victim of identity theft/fraud and that the accounts and inquiries that are reporting are incorrect an must be removed, deleted, blocked from all 3 of my credit files. I asked for the step by step procedure on how they were able to verify this information and both creditors and bureaus failed to do so. I will be forced to take legal action and I will be contacting the better business bureaus and the attorneys general if this matter isn't resolved asap. I will give you all one more chance to get it right and remove these fraud accounts that I am not liable for because I am a victim of fraud.
Consumer complaint received 2024-05-28
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: Upgrade, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX XXXX XXXX have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CT)

I need your help and I am writing to file a formal complaint against Resurgent/LVNV Funding, LLC regarding their collection practices in relation to my account with them, identified with a XXXX  XXXX account. It has come to my attention that Resurgent/LVNV Funding , LLC has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Resurgent/LVNV Funding, LLC is in violation of the following regulations and statutes : Violations : XXXX CFR XXXX ( b ) ( XXXX ) : This regulation outlines requirements for debt collectors in providing validation of debts. Resurgent/LVNV Funding, LLC has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : This regulation pertains to the provision of written notice by debt XXXXollectors. Resurgent/LVNV Funding, LLC has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

XXXX CFR XXXX ( d ) : This regulation addresses the timing of validation of debts. Resurgent/LVNV Funding, LLC has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

XXXX XXXX XXXX ( XXXX ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. Resurgent/LVNV Funding, LLC 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that Resurgent/LVNV Funding, LLC cease all collection activities related to my accounts. 

Delete Reporting : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If Resurgent/LVNV Funding, LLC believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (MI)

XXXX XXXX XX/XX/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 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 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

In accordance with the Fair Credit Reporting Act, the creditor Navient, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose.

Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I paid off the account in XXXX of 2021 and the account status has not been updated on several credit reporting agencies to state that the account has been paid off. The status is showing in charge-off/collections and not paid.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to Experian and XXXX as well as XXXX, and all XXXX bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with XXXX another.
Consumer complaint received 2024-01-08
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Equifax, XXXX are reporting on my credit file a address that I have never lived nor do not currently, I gave no consent of any type update on addresses and have previously sent my State Id to confirm identity
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

Please see attached letter which has all the details of this conflict. Truist has credited me with the smallest amount of the three disputed charges. 

I dont what else to do with them sort of Magistrates Court
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NC)

In XXXX of 2023 I filed for a First Progress card via Synovus bank. The card was received and never activated, therefore there should have been no activation fee charged. I recently filed for a loan pre qualification and was denied, upon investigation I discovered a delinquency from First Progress showing I have failed to pay an activation fee for a card I never activated. I called First Progress today ( XX/XX/XXXX ) to resolve this issue and customer services tried to inform me I have to send in a request to remove the charges via a handwritten letter sent to a po box XXXX They claim mail is the only way to resolve this issue. But its 2023 and everyone uses online banking Im not sure why I would need to pay an activation fee for a card/account that is not active.
Consumer complaint received 2024-05-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I lived at XXXX XXXX XXXX XXXX in XXXX, GA from XXXX - XXXX. I signed a XXXX lease. Unfortunately, out of the blue my mother passed away. Then, a month later my father passed away. As a result, I inquired with the leasing office about subletting or subleasing my unit. I had to pay for XXXX unexpected funerals ( out of pocket ) around XX/XX/XXXX and XX/XX/XXXX. I knew I couldn't afford the rent and burial arrangements for both parents. Through numerous conversations with the leasing office, we couldn't come to an agreement. So, I moved out at the end of XX/XX/XXXX. As a result, I received an astronomically high invoice of $ XXXX. In the midst of me moving, the apartments locked my smart lock where I couldn't enter the unit and charged me for cleanup. Mind you, I tried to enter the unit on the last day to clean up myself but couldn't get in due to an illegal lock out. This resulted in the staff taking hundreds of dollars in food and a few personal items I left to take at the last minute. A few months later, I received an invoice for {$5700.00}, which is now $ XXXX with additional fees. I sought legal advice for a settlement. Hunter Warfield XXXX XXXX XXXX legal company ) placed the debt on my credit and now I can't rent an apartment, nor buy a house. This debt has done major harm to my credit and my personal life.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have written XXXX, XXXX, Experian 3x disputing the incorrect and fraudulent information on my credit accounts. Begging for the Burden or Proof. The bureaus have sent letters and emails denying my claims of incorrect reporting, inaccurate reporting and identity theft. Stating the the reporting companies certify that these INQUIRIES, missed payments, late payments, and or collections accounts are mine. I have yet to be provided with documentation or verifiable proof that these negative accounts belong to me. I feel that due to my race the bureaus are targeting my credit profile to keep my scores low and my ability to prosper from good credit from happening. 
I have challenged their accuracy in reporting using 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Ive also challenged their collections errors and late payment errors using 15 U.S. Code 1681s2 ( b )
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (IL)

with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
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. (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND XXXX IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT
Consumer complaint received 2024-01-08
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-08
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. (IL)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.