davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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 2024-08-26
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ROUND 1 ( Items for dispute ) Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Personal Info : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX, CO XXXX Name : XXXX XXXX XXXX Name : FANNY XXXX Former : XXXX XXXX
Consumer complaint received 2024-08-26
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. (IL)

On XX/XX/year> I sent mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. This has cause me great anxiety, stress, and financial hardship. 

I also am disputing XXXX collections account that I have no services with that is reporting inaccurately on my credit report. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Please all accounts from my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OR)

Called my husbands phone. Said they were sending the debt to lawyers. The total would be added to my debt. My spouse said it was my debt and his name wasnt on it. The the person asked why I wasnt on more of a leash. Asked if I stopped paying because I lost my job on the corner. Suggested I was sleeping around. He cursed at him and treated to kick his XXXX! Inexcusable! This company has also made called to me as early as XXXX and as late as XXXX!
Consumer complaint received 2024-08-26
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. (PA)

I am writing to file a formal complaint against [ EXPERIAN ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : [ XXXX  Account Number : [ XXXX ] Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EXPERIAN ] has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of [ EXPERIAN ] to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ EXPERIAN ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EXPERIAN ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (TN)

After several attempts to get proper documentation from SCA I contacted XXXX XXXX direct and I spoke with XXXX in billing on XX/XX/2023 she could not locate the account that SCA is trying to collect for much less provide any documentation showing the account is mine however, SCA has certified multiple times. This account is valid without once providing documentation, supporting their claims.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (FL)

I informed TD Bank that XXXX lacked authority to issue preauthorized checks, diverging from our agreed-upon XXXX XXXX monthly debits. After establishing a payment plan, my wife chose to redirect payments to our XXXX XXXX XXXXXXXX account. XXXX 's subsequent unauthorized {$100.00} checks constituted fraud. TD Bank 's initial refund did not prevent XXXX from continuing unauthorized transactions. XXXX acknowledged the error yet claimed inability to stop transactions. The recurrence of unauthorized charges compelled me to stop direct deposit, despite repeatedly notifying TD Bank on XXXX occasions.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

10 or more years ago, ( Unsure about the exact date ) I had asked Wells Fargo to put a stop payment on an ACH payment of {$50.00} to XXXX  card services or XXXX XXXX I don't remember which it was for. Back then there wasn't any real confirmation ( Email or paper receipt ). Nor was there any real explanation and/or expectations set. For instance : " XXXX this will IMPACT every {$50.00} payment you make forever '' YEARS and YEARS later and unbeknownst to me this would impact and cause me financial harm. 

Flash forward to the present. Twice I've made two {$50.00} payments on my XXXX card and both payments have been returned by Wells Fargo. Despite there being sufficient funds in my account to cover the payment. I use my XXXX card frequently to get the miles like many. I remember calling Wells Fargo Bank about this in XXXX this year. Right after i was laid off by Wells Fargo after 15 years of employment. I was tossed to the side and to add insult to injury Wells Fargo is messing with my money and the credit i have with XXXX. IT makes me look really bad to XXXX, not one NSF charge but TWO. When i called Wells Fargo about it back in XXXX which i believe was attributed to a returned payment for {$50.00} also on my XXXX card. I spoke to someone, but no complaint was filed. I thought for sure there would be follow up after being trained & tested annually on knowing complaints and taking them seriously. Since XXXX I forgot about this ongoing problem that only pops up if I make a {$50.00} payment. Both XXXX & XX/XX/year> i was assessed two {$50.00} NSF fees by XXXX. I called XXXX and they said you need to call Wells Fargo it's their fault we will not waive the fee. Then when I call Wells Fargo, they say its XXXXXXXX XXXX fault and it's my fault because of the stop payment from XXXX plus years ago. As of this week I was able to finally get the {$50.00} ach stop removed from my account. I'm submitting a complain b/c the last person i spoke to WF indicated they don't reimburse for fees imposed by third parties. 

So now were at a fork in the road. Who's going to pay the {$100.00} in fees for me? I can not afford to do it. Wells Fargo I gave you 15 years of my youth and my life. Please fix this problem with XXXX. 

Please note this inconvenience caused a XXXX card I opened earlier in the year to be closed by the merchant. After two returned payments all attributed to this same problem. XXXX XXXX XXXX XXXX  ) closed my account. I got a letter about it and was ticked but failed to realize at that time what the real issue was and it wasn't yet over.
Consumer complaint received 2024-08-26
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. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB (CA)

I made a purchase using Klarna 's buy now, pay later installment products in the amount of {$1300.00} on XX/XX/year> on XXXX. I purchased like items at a nearby store for cheaper, and decided to return the entire order. XXXX  provided a single label and I sent the items back via the UPS label they provided ( XXXX tracking number ). After some time passing and no refund from XXXX, I reached out to XXXX ( the merchant ). They indicated the items were mis-delivered at another warehouse and there was nothing they could do and refused to refund me. I contacted UPS who said any claim on the package would need to be initiated by the merchant as they provided the return label. A rep with XXXX said they couldn't refund outside of this policy but I was welcome to dispute with my bank. In this case, " klarna '' is the bank. They give a visa card to buy the items and should have dispute capabilities similar to the bank. Unfortunately that is not the case. I sent in all documents and communications they asked, and the dispute was automatically closed demanding I pay the amount in full. I reached back out to XXXX who said they had no record of dispute from Klarna. I complained of this issue on the better business bureau, to which a klarna rep said they could not help me as this retailer was not in their network. I then disputed the klarna payments with my bank. Instead of contacting me, Klarna opened the loan again to be paid in full ( again ). This is predatory & no investigation was ever done for my dispute. I will not pay for items I did not receive and it is Klarna 's responsibility to address that.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to submit a formal complaint against Transunion located in XXXX XXXX, FL. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Approximately a month ago someone broke into our checking account as well as our phones. There were numerous fraud charges from XXXX XXXX which were not our. We have never used XXXX XXXX. They also attempted to break into my email account. I called chase bank and filed a claim. The sums were reversed until today. It seems that XXXX XXXX filed a counter claim even through the address they showed to XXXX was not our address. XXXX sided with XXXX XXXX and now I'm going to be out {$1200.00} for someone else fraudulent charges. I want to press charges against Chase Bank and XXXX XXXX.
Consumer complaint received 2023-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/XXXX I attempted to reopen my Gemini Account to try and sell my crypto holdings as the price had gone up. I emailed gemini to reopen my account and they replied back asking for a selfie holding my drivers license as well as a note with a particular set of numbers to verify that it was me reopening the account. 

I complied and sent over what was requested. 

On XXXX Gemini replied back to the support email Ticket ID : XXXX stating that my account would be closed stating no reason and that I would have 5 days to sell my holdings and withdraw my funds. 

Scared to not be able to sell, I sent my crypto holdings from my trust wallet over to Gemini wallet to sell. The deposit was successful and I was able to trade my holdings to USD. 

After trying to withdraw my USD funds to my linked bank account I received an error message asking me to withdraw {$8.00} to a XXXX XXXX checking account and {$710.00} to a chase checking account I no longer had opened. 

These two checking accounts have been closed and unlinked from Gemini for years. The XXXX XXXX was closed in XX/XX/XXXX and the chase in XX/XX/XXXX. 

I then replied to the support email requesting help and stating that the accounts had been closed. 

Gemini then requested proof of closure : Please upload signed documentation from both banking institutions ( XXXX and XXXX XXXX ) confirming the bank accounts are closed via a secured link. 

I went to XXXX XXXX as well as chase and they provided final bank statements where it clearly shows that the accounts are closed. Both XXXX XXXX and XXXX stated that they could not provide anything other than the statements as proof of closure. 

I complied with Geminis request for account closure verifications and sent them over via the secured link. Im this was all on XX/XX/XXXX I had not heard from Gemini for the past few days until today XX/XX/XXXX. Let me remind you that I was only given 5 days to have all my funds removed from the account before closure. 

Today XX/XX/XXXX Gemini finally replied to my email now asking for me to : Please reach out to my banking institutions to have them sign and stamp my statements. 

Both banks have stated that all they could provide is the final statements and I have reiterated that to Gemini. 

My funds continue to be stuck in my Gemini account without any other options or resolutions from them.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-14
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: Lloyd & McDaniel, PLC (FL)

on XXXX of this year i received a letter from Lloyd & Mcdaniel who is a debt collector trying to collect on a XXXX  XXXX XXXX account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.