davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/year> my computer and accounts were hacked and I tried to resolve the issue with USAA over fraudulent charges. Initially they were great the charges in question were reversed. There were charges at multiple stores within the mall : XXXX for XXXX, XXXX, and XXXX totaling XXXX. Then the card was attempted to be used at the XXXX XXXX  for XXXX and then XXXX both of which were declined ( and have since disappeared from my pending charges ). As this was occuring I received a text from USAA about fraudulent charges that had multiple line items and I recognized several ( including a payment I had made earlier in the day ) I didn't notice the XXXX charge which was the first one listed. Once I contacted them regarding the charges hours after the event I stated that I responded Y to recognizing the charges but had not seen the first line item on the text and that was fraud but the others were not. I went through every charge I had made and verified all charges except the XXXX in even increments. They shut down that card and sent me a new one overnight. 
Next I contacted all three credit bureaus to put fraud alerts and a credit freeze for my ssn. The freeze and fraud alerts are still in place to this day. 
I continued on using the card as I normally do until the XXXX in XXXX  charges were put back on my account on XXXX. I received letters stating that they were not fraud ( despite them recognizing and declining similar charges and amounts within minutes of the XXXX  ones for fraud suspicion ). I contacted them back on XXXX after receiving this letter, restated my frustration and was told a supervisor would look into it and reach back out in 3-5 business days. I have heard nothing from them and am not getting any resolution even when I am told it is being looked into, nor did I ever receive any information regarding why they determined there was no fraudulent activity. I have a 20 year banking history with USAA for checking, savings, and insurance although the credit card was opened this year and am disappointed that I can not get any resolution and they are not upholding the fraud liability as originally stated.
Consumer complaint received 2024-06-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NY)

for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX agreement was made without a trial. XXXX XXXX XXXX XXXX paid the maximum amount of {$3000.00}. And should've been a balance of {$2400.00}. On my credit report is shows the amount exhausting over {$6000.00} with accrued interest. The property was left with no damages the property was being renovated.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (LA)

This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXX.I don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

To whom it may concern : Amount collected to Escrow account with the monthly payment was initially calculated incorrect.

I summited my first request after the closing. In XX/XX/XXXX I summited my second request with explanation and documentation.

Based on XXXX tax bill Total Tax Bill amount is {$4400.00}. It should be {$360.00} per month.

It was provided by me. They promised to do escrow evaluation and update it. Nothing was done.

I sent them a new request recently. Based on XXXX tax bill Total Tax Bill amount is {$3700.00}. It should be {$310.00} per month. It was provided by me. Nothing was done.

I also made a several phone calls to Customer Service without any success.

I had been ignored for almost two years now. Lender keep collecting double amount in to escrow account. It is really effecting my budget in mortgage payments.

Please assist with correction of amount calculation based on the actual correct Property Tax Bill. I need them to send me a new monthly statement with the correct amount. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I scheduled a bill pay transaction with USAA for my new mortgage with XXXX XXXX The website says the scheduled payments will be made within 5-7 business days. I scheduled the payment for XX/XX/24 for the payment due on XX/XX/24. This was mailed on XXXX according to USAA. The payment was not received by the mortgage company until the XXXX. 
Due to the late payment, a {$99.00} late fee was added to my mortgage statement. My XXXX statement attached shows that the payment was not received and reflected the previous payment and fee were due at that time. I paid the amount to keep the mortgage in good standing. I called the bank again on XX/XX/24 and after an hour with them on the phone, they admitted fault that it didn't arrive on time, incurring the charge. They stated that they would initiate a review file and contact the mortgage company to get the {$99.00} back. A few days passed and I called the bank for status on XX/XX/24. The agent at first was confused about what I was talking about, put me in hold twice, then told me there was a review entered but no progress was made. I was transferred and was told that I need to call the bill pay agency XXXX to provide more information. I called and was unable to get contact with a person or find an automated option that met criteria for what I needed. 
After inability to provide my information, I called the bank back for help, was told I was being transferred to someone else and the call disconnected. Today there is still no contact from the bank regarding progress or status.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc (NY)

My account with AVA FINANCE was never late! I have had exceptional payment history with AVA FINANCE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

AVA FINANCE Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-13
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. (TX)

Attached you will find a copy of an accepted IRS filing for the account listed for XXXX XXXX aka XXXX XXXX. The IRS considers canceled debt to be part of your income and taxable. The account is reporting in error as income is not reported on a credit report.
Consumer complaint received 2024-07-10
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: CL Holdings LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX XXXX Dear JEFFERSON CAPITAL SYST, 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 Revised Statutes Chapter 570.

It has unequivocally come to my attention that JEFFERSON CAPITAL SYST 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 ).

In addition to federal law, Missouri state law, specifically Chapter 570 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for JEFFERSON CAPITAL SYST 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 JEFFERSON CAPITAL SYST 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 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 JEFFERSON CAPITAL SYST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my JEFFERSON CAPITAL SYST credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my JEFFERSON CAPITAL SYST credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge JEFFERSON CAPITAL SYST to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I tried to dispute this transaction through XXXX XXXX. I was a juvenile when a phone was opened up in my name I guess at sprint at the time which is apart oXXXX XXXX now, I NEVER OPENED THIS ACCOUNT, I wasn't even old enough to have credit to open a phone up at that age. I never checked my credit until recently where I saw I had a collection from ( Jefferson Capital Systems ) for {$720.00} which I dont know how I would owe them that. Doesnt even make sense for that to be on my credit report nor did I even know it was on my credit report until recently, Im currently XXXX XXXX XXXX as of XXXX, this account was supposedly opened in XXXX, doesn't add up how this could just be on my credit report. I barely have any credit use so thats just crazy
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

I am writing to file a formal complaint against JEFFERSON CAPITAL SYST, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : JEFFERSON CAPITAL SYST has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ).

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I
have not been given the opportunity to dispute the account in question. JEFFERSON CAPITAL SYST placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : JEFFERSON CAPITAL SYST has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices. 

Violation of XXXX XXXX  XXXX Statute of Limitations : The statute of limitations to collect this debt in XXXX XXXX XXXXXXXX has passed. According to XXXX XXXX XXXXXXXX laws, the statute of limitations for most debts is XXXX years. JEFFERSON CAPITAL SYST is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights. 

Additionally, I am disputing owing any and all debts to JEFFERSON CAPITAL SYST. Furthermore, I am revoking all rights of JEFFERSON CAPITAL SYST to communicate with me through email, text, or calls. All future communications must be conducted through written correspondence sent via mail to my address listed above.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (ME)

I have been using Wise for the past years, but they suddenly closed my account without notice. I kept all my savings in my Wise USD account. I appealed the decision, but Wise told me they could not reopen my account and would refund my money. I was told that the return process could take XXXX days. However, XXXX weeks have passed and I have not yet received my refund. I tried to contact support, but it didn't help.