davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

LMM Morris and Montgomery Lockhart is a collection agency that contacted me about paying XXXX for breaching my contract with my last employer XXXX XXXX XXXX company but my contract was never breached I had worked out my full contract with that company and even filed a dispute and sent over pictures of the last load I was working on during that time, which had the dates on them as proof that I was still employed with XXXX  after my contract was over. My hired date with XXXX XXXX was XX/XX/XXXX and my contract started with them on XX/XX/XXXX which was the first day I was dispatched. My last day of employment with them ( which you will see from the pictures that I took on the work tablet that has the dates recorded on them ) was on XX/XX/XXXX, which was the morning I returned my keys to the office. A month after my initial conversation with Lockhart collections ' I reached back out to them regarding an update on any information about the case, at first LockharXXXX collection claimed that they never received anything from my end regarding a dispute and then realized that they gave me the wrong email address my to send my documents to. When I resubmitted the documents to the new email address that was given I never received anything back regarding the dispute, I was simply told that someone would reach out to me about it but they never did and I just received an email regarding my credit report that this claim was put on my ( XXXX XXXX ) credit.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

Hello, I went to buy a phone at Best Buy with opening a line. I paid for the phone outright but was told that in order to purchase the phone I would have to get authorized for financing. I was told that this was just an authorization, and account would be closed automatically in 5 days upon not using it. I found out that the store representative had opened up a best buy visa card on my behalf, perhaps to get a commission for herself, and believe I was lied to when I was told that this authorization was mandatory when purchasing my phone.
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX I looked up a telephone number for XXXX XXXX  customer service to get tech support to fix my XXXX XXXX  watch. I called the phone number that I found for this company. I had no idea that the people that I reached on the phone were not XXXX XXXX but scammers and they were generating a video call on their end without my knowledge. I later found this out by calling the phone number back and saw myself on video. I never made a video call to this number. I never gave them passwords, credit card numbers or gift card numbers. They stole them from my phone which they had unauthorized access to. I was scammed out of over {$1500.00}. in gift cards which they charged on my Target.XXXX credit card. When I realized that what they were doing was not helping me fix my watch I hung up the phone and did some investigating and realized that it was a video call on their end and that I had been scammed. I later wiped my phone clean and changed all my passwords and checked all my credit cards for purchases. I called Target XXXX XXXX. XXXX ext. XXXX and reported the fraud. They closed my account and sent me a fraud questionnaire which I faxed back to them on XX/XX/XXXX. I received a bill from Target on XX/XX/XXXX for {$1500.00} so I called the XXXX XXXX. and they told me that I was responsible for the paying the bill and they claimed that a letter of resolution was sent to me on XX/XX/XXXX. I never received this letter and I asked that another letter of resolution be re-mailed to me. I still have not received that letter 6 months later. I was told by the supervisor to send another letter of appeal and the claim would be re-opened. I sent another letter to the fraud dept. on XX/XX/XXXX and have not received a letter of resolution as of XX/XX/XXXX, 90 days later. Every month when I received another bill from them I call the fraud dept. asking to speak to a supervisor and each time I was told that the letter of resolution on XX/XX/XXXX would be resent and they would have someone call me back in XXXX hours. No one has ever called me from Target fraud dept. I have documented XXXX phone calls where each supervisor I spoke with would only share their first name with me and every time I called they told me the same thing, someone would call me back in XXXX hours and they would resend that first letter of resolution that they claimed was mailed to me on XX/XX/XXXX. Upon checking my credit report I could see that I now have an unpaid balance of {$1800.00} for Target. I have always had excellent credit and this is not right that they reported this unpaid balance and have never given me a letter of resolution about why I am responsible for this bill. I faxed them another letter on XX/XX/XXXX that they need to make a decision and send me a letter of resolution.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (SC)

i am writing you because Southern finance reported false information to my credit report saying i was XXXX months late on paying a loan when in fact i am current and i was in the middle of hole buying process qnd today my XXXX credit report dropped XXXX points i wan na know how did this happen and I'm looking into suing for defamation as this information is harming me update my reports the way they should be
Consumer complaint received 2024-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MA)

My name is XXXX XXXX. In XXXX I opened a CD XXXX XXXX at TD Bank XXXX with the amount of XXXX when my granddaughter, XXXX XXXX was born. I was the custodian. Last month I tried to cash it in for my granddaughter and was told it no longer existed. I was told to look in XXXX XXXX. I looked at the web site and neither my name or my granddaughters name was there. I called find mass money and no one could find the account. I have spent many hours searching for this account. I have gone to the bank twice with no luck. I was told to call the XXXX department and after many hours and transfers to different people, was told that it was closed. I have the bank book and I am positive that it was never closed. I would appreciate if you could help me with this issue. 
XXXX Thank You, 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
Consumer complaint received 2024-05-17
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear COMENITYCAP/XXXX, 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 Missouri identity theft fraud laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

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

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the importance of protecting consumers from identity theft and unauthorized access to personal information. 

I assert with unwavering certainty that I have not provided consent for COMENITYCAP/XXXX  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 showing a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that COMENITYCAP/XXXX  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 Missouri identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft 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 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 COMENITYCAP/XXXX  will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reviewing my capital account and I give you some defaults on my credit report which are not correct. I want them to be corrected, please. According to the law, they say that the credit bureaus must be equal and the difference is that there is an error in my account. I need them to be corrected. corrected because I have paid point thanks capital one
Consumer complaint received 2024-05-17
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: CLGF Holdco 1, LLC (FL)

The following companies made hard credit inquiries that were supposed to be soft pulls. I have contacted them numerous times asking them to remove them, and they stated that they would. Unfortunately, they still show on the credit bureaus. They have affected my credit by removing XXXX points per inquiry. 

Institution Information XXXX XXXXXXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Miscellaneous ( XXXX ) XXXX
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (TX)

After careful research I obtained information about violations this company committed in taking possession of this said vehicle. There is a deficiency balance left after the vehicle was sold of {$6400.00} and according to the Texas Business and Commerce Code 9.612, I was not informed of the sale of the vehicle by phone, mail or email so there is no proof of where this balance is from, As a consumer I didn't receive any notices after the repossession had taken place and furthermore this vehicle was taken from a gated community without the creditor 's permission to enter. Several violations took place and the situation needs to be rectified.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

Recently I did an investigation to my XXXX credit report which cause severe stress and XXXX on me and found inaccurate, unverifiable, invalidated and questionable items reported by a collection action named as CCS, Credit Collection Services. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. This account is not verified. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-05-16
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 i received a credit card from XXXX XXXXthat i did not apply for that was when i was aware someone was using my social security to apply to credit card companies. I did report and the police and filed a police report. I am still waiting on the police report it currently still pending on my end. I did speak to the credit card compies that they applied form informing is was not me. I notice the inquiry are still in my XXXX credit report. 
XXXX XX/XX/2024 JPMCB CARD XX/XX/2024
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (TX)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXXXXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

On XX/XX/2024 at XXXX, I called IQ Data International IN about a debt I owe due to an application denial for an apartment. Spoke to XXXX XXXX & requested information to confirm that debt. Upon request, she refused to give me any details until I pay the amount due. Willingly trying to give her my current address & email she refused my info & continued telling me that they accept XXXX or XXXX & she already confirmed the amount verbally. I told her that I am not going to pay something that you verbally tell me & I want it in written form. Continues to decline sending me anything in writing nor email, while degrading me as a person.
Consumer complaint received 2024-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Someone used my funds off my card I am not sure how but the only thing I did was get a cash advance. There is all types of tech out here these days who knows how these graduates do what they do.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Requested validation and got none! 
Constantly updating on credit reports Multiple accounts being reported to credit report agency s repeatedly. 
{$670.00} {$290.00} {$200.00} Making it impossible to keep my credit up.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

This complaint is about the failure of the CFPB to perform their due diligence regarding complaint ID # XXXX The response provided by the creditor ( AMEX ) does not address or acknowledge that they contacted me to collect a payment on my American Express Gold card PRIOR to the payment due date and PRIOR to the development of a minimum payment amount due. 

When the creditor called me to collect a payment the account was NOT PAST DUE and did not have a payment due at the time of their call. I had PERFECT payment history prior to their abusive and insulting collection practice. 

The cardholder agreement establishes a payment due date. American Express breached this contract agreement when they called me and asked for me to make a payment on my account BEFORE a minimum payment was even due. Their response to the initial complain I filed only addresses their right to cancel the account, even if I pay on time and as agreed. Their response DOES NOT address the fact that they attempted to collect a payment from me before a payment became due according to the cardholder agreement. 

AMEX made up their own rules and decided to call me to collect a payment at their discretion. The purpose of a payment due date is to establish an agreed upon payment due date. AMEX BREACHED this agreement and therefore I stopped paying on the credit cards. They CFPB failed to listen to the calls from XXXX of 2023 and investigate the creditor for wrongdoing. I also was physically injured in XXXX of 2023 and am investigating if this creditor is responsible.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

My account got closed on XX/XX/2024 and I was supposed to get a closure check of {$5300.00} I only got one check from them and it was {$20.00}. Every-time I ask for my closure check they say one thing. That it coming but it been months now. I have documents that goes way back to when my account got closed and they keep saying they sending me the check but never does.
Consumer complaint received 2024-04-27
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have