davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Subject : Dispute of Harassment and Request for Investigation Dear Jefferson Capital System, I am writing to formally dispute and request an investigation into the harassment I have been experiencing from Jefferson Capital. I believe that the repeated and unlawful communications I have received constitute a violation of federal and state laws, and I am seeking your assistance in addressing this matter.

Summary of Harassment : Phone Calls : I have received numerous unsolicited phone calls from [ XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my clear requests to cease all phone contact, the calls have continued. 
Emails : Additionally, I have been subjected to an excessive number of emails from [ XXXX XXXX XXXX XXXX  ] regarding the same issue, despite my efforts to opt-out of further communication.

Applicable Laws : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692c ( a ) ( 1 ), a debt collector is prohibited from contacting a debtor directly if the debtor requests no further communication. Additionally, 15 U.S.C. 1692d prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 
Telephone Consumer Protection Act ( TCPA ) : The TCPA, found in 47 U.S.C. 227, restricts the use of automated dialing systems, prerecorded voice messages, and unsolicited calls to consumers, particularly if such calls are made to a cellular phone without consent.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to formally dispute the recent reporting of a late payment on my open account with your organization, account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1666b, it is illegal to report a payment as late on an open account. According to 15 USC 1666b The law states payments can't be marked late unless procedures in section 1637b are followed which indicates that a notice by the creditor is mailed within 14 days before due date. Never have I received any thing via mail regarding my payment being late. 

I believe there has been an error in your reporting, and I request that you review my account records and correct any inaccuracies and reverse the payment status to paid on time. 

In accordance with the FCRA, I ask that you provide an explanation for this reporting and provide proof from the creditor that they were able to provide me with a notice in the mail regarding the status of my account. Please confirm that you have received this dispute and inform me of the resolution within the time limits established by the FCRA. I also attached a screenshot from a credit report that shows that a payment was made for the month of XXXX which would mean that reporting me as 90 days late is inaccurate. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (NY)

In XXXX I made 2 payments on my RV Loan each for {$530.00}. After I made the second payment in error, I contacted M & T to reverse the 2nd payment and have it sent back to me via check. A couple of weeks went by and I never received the check. I called back and was told that it was still on its way and to call back the following week. The second week of XXXX I contacted M & T again as I still had not received the check. They stated oh it must be lost and we can send the funds back to my bank via ACH. I provided them all of the necessary information. About a week later I still had not received my funds so they said they would submit the request again. Finally on XX/XX/19 I received a credit of {$530.00} back into my checking account. At that point I assumed that everything was all set. Approximately the first week of XXXX i received a call from M & T collections alerting me that my XXXX payment was past due. I said how is that possible as M & T has an autosweep set up to take the payment out of my checking account which i confirmed that the funds were taken from my checking account and applied to the XXXX payment. They explained that the XXXX payment was reversed. I asked why the XXXX payment was reversed and they said it was was to provide the credit back to me. I said the XXXX payment should have NEVER been reversed as the credit should have been made from the payment dated XXXX. After dozens of phone calls trying to explain my situation to each person that answered the phone, I was able to get the XXXX payment credited as expected. Given the issues I wanted to make sure the XXXX payment was made correctly which as of XX/XX/XXXX, I saw that the payment was satisfied and assumed the loan was back to where it should be. The first week of XXXX I received a call from M & T collections stating that i was 32 days past due. I went into my online banking and saw that they reversed my XXXX payment AGAIN. I was confused as 2 payments were made in XXXX one was reversed and the other was made to satisfy my XXXX payment. As this point M & T still owes me one payment of {$530.00} and they reversed additional payments that should have never been reversed. At this point M & T still has {$530.00} of my funds that they should be using to credit my loan payment to bring my payment up to date.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc (WI)

I have a DISMISSED Bankruptcy listed on my XXXX and XXXX credit report that is NOT mine. I have attempted to go thru the FTC with paperwork I was told to send in to have this item removed. It has NOT worked. Please remove from these bureaus asap. Thank you
Consumer complaint received 2024-08-22
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. (WA)

I have been a victim of identity theft. I saw that there are multiple negative and fraudulent accounts and inquiries on my credit reports which I need your help with to remove for me. I called the credit bureaus and they told me to send my FTC reports before they entertain my request. I did that and I even mailed my IDs and reports but they said that they did not receive them. I will attach the FTC reports here along with my IDs for your reference. Kindly delete the ff fraud accounts and inquiries from my credit reports. Fraud accounts are the ff : XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XX/XX/XXXX, XXXXXXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to find incorrect accounts on my credit report, and I have no idea how they got there. I check my report regularly, and this time there were sudden discrepancies that made no sense. I even refreshed the page thinking it might be a glitch, but nothing changed. The wrong accounts were still there, and I feel completely helpless. Im asking that the documents I've sent be thoroughly reviewed so I can stop worrying about this nightmare.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (GA)

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 procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

I asked this company to cease and desist of reporting because they continue to report inaccurate information pertaining to credit reporting. Their electronic portals where I have sent countless identity theft reports and driver license and letters from the attorney general have erroneously been invalidated. I've also sent actual certified mail letters with documentation and their continues to be a problem and issue with everything sent to them. 
The letter on XX/XX/year> signifies the letter also the you will see the electronic submission that i was told to do which had all of the documents requested and they continued to send this letter as a response.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX Account Name : XXXX Account # : XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WSFS FINANCIAL CORPORATION (VA)

Personal Checking Account ( Campus Account ) was opened on XX/XX/year> and funded {$100.00}, per WSFS bank policy. Upon enrolling in an account, I was asked if I wanted to opt-in to the Overdraft Protection service, which covers certain charges if I do not have enough funds and assesses a debt of the transaction amount as well as an overdraft charge. I travelled to XXXX on XX/XX/year> with a fund amount of {$730.00}. A few days later, I used the service XXXX to transfer the funds from my WSFS Checking Account to my XXXX Account since I had neglected to place a travel notice to my bank and wanted to insure I had funds while traveling. The same day this transfer was completed and approved, I had a few recurring charges to my checking account that overdrafted the account. The continuous stacking overdraft charges ended up placing my checking account in a debt of $ XXXX now. This massive debt would not have accumulated if WSFS did NOT place me in the XXXX XXXX service. I did NOT consent to being added to this service on numerous occasions. I contacted WSFS support to have the overdrafts removed, and they recalled XXXX overdraft charges, although not all charges. They assured me that I was removed from the program, although the overdraft charges continued and now my account is over {$600.00} overdrafted.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (FL)

I am submitting a formal complaint regarding Relay Banks failure to return funds to my company, which a small family owned business, and the bank 's lack of transparency throughout the process.

On XX/XX/XXXX, we opened an account with Relay Bank. Given issues regarding verification document, Relay closed our account on XX/XX/XXXX, although we tried to provide them with all the information needed, albeit late. On XX/XX/XXXX, we noticed that our account balance had been withdrawn the full {$32000.00} following the account closure. Despite this, as of XX/XX/XXXX, we have not received the check Relay Bank claimed to have sent. 

Over the past month, I have made multiple requests for proof of the checks issuance and a tracking number to follow its progress. Relay Bank has not provided any such documentation, only offering a transaction ID, which is of no use to us. Despite assurances that the check had been sent, it has not arrived, and no verifiable information has been provided. We have insisted several times that they simply transfer the funds to another account the company has, but they have refused to do so. 

On XX/XX/XXXX, we called Relay Bank as we had not received the funds and requested a wire transfer. Request was denied. We tried verifying the address as we had not received the check at our address, they were missing a the door number. They confirmed they would reissue with the full address. 

On XX/XX/XXXX, we called Relay Bank and spoke with a representative named XXXX, explaining the situation and insisted that the funds be transferred to us via wire transfer instead. This request was denied. XXXX assured us that the check would be reissued and sent by certified mail with a tracking number, but this still has not happened. We were informed that their finance department was handling the issue. 

Again, on XX/XX/XXXX, we contacted Relay Bank and spoke with another representative to emphasize the urgency of this matter. The response we received was that they were still in discussions with their bank to resend the check, but no specific actions or timeframe were provided. 

As of today, XX/XX/XXXX, we have neither received the check nor any further communication from Relay Bank with a resolution. The delay in returning our funds, combined with the complete lack of transparency and communication, is unacceptable. This has severely impacted our financial health and has prevented us from operating at a normal level. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Relay Bank promptly returns the funds in question, as well as provides official documentation confirming the checks issuance and dispatch.
Consumer complaint received 2024-09-05
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: ALLIANT CREDIT UNION (TX)

I am a victim of identity theft in the following inquiries. Below is proof That somehow my information was given without my authorization. 

Fraudulent inquiries that appears on my consumer credit report : ALLIANT CREDIT UNION ( Finance ) XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX ( Construction ) XX/XX/XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX, XXXX & # XXXX ; XXXX XXXX  XXXX Hotel and travel ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX ( Construction ) XX/XX/XXXX, XXXX ( Retailer ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX  XXXX  ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, XXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> All of the following inquiries are fraudulent needs to be deleted and removed from consumer credit report.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited XXXX checks in the ATM before I can finish the transaction the machine started rebooting and went black screen I was left empty handed with nothing Causing multiple hardships and rent and bills delayed with late fees these recipients are on fixed income and XXXX The bank inside the bank said call this number and they will credit my acct that was a lie Im just sitting and waiting for I dont know what they didnt give a date funds will be available or nothing just a Sorry its nothing we can do at this time wait 10 days