davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Received an alert for a credit monitoring service that my and my wifes Soc Sec numbers were compromised on the " dark web ''. I then decided to place a " freeze '' with all XXXX credit agencies. Minimal or no problems with XXXX and XXXX, got into accounts easily or easily by phone in XXXX case with XXXX. BUT, like countless people ( see complaints, even on XXXX ) have been unable to log into our TRANSUNION account past the part that requires personal ID info. Once all info accepted it immediately takes you to a page saying " temporarily unable to complete request. Looks like we are experiencing a problem ''. This has been going on for a very very long time as inputs from other complaints online and XXXX are identical. I then tried calling many time, automated system asks ID info, then at the end no rep, you get into endless " wait '' with stupid music and necessary to press " XXXX '' every XXXX seconds or so to stay on " wait '' and not get disconnected. If you choose to press " XXXX '' for a callback, it ENDLESSLY request your phone number over and over and over again, never ending. If you do not enter it at any time it asks again, you then get a very LOUD busy signal. There has been absolutely no way to get in touch with Tansunion, in many cases for months! Placing a reqd freeze is and has been IMPOSSIBLE. These people seem like scammers, though supposedly legit! Something needs to be XXXX, other XXXX agencies do not have these issues!
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

There is a collection account on my credit report from XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX funding. Also provide me with the XXXX form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

There are some suspicious activities that occurred on my chase checking account on XX/XX/XXXX. Including two unauthorized deposits for a total of {$5800.00} and one unauthorized teller withdrawal for {$600.00}. 
On XX/XX/XXXX I noticed these suspicious activities and I contact the customer service immediately telling them I believe this is done by a fraudster and I'm a victim of identity theft. I explained that when I renew my driver 's license in XX/XX/XXXX, it was lost in the mail. After that I keep receiving mail from other banking institution about someone is trying to open accounts under my name. By this evidences, I assume that my driver 's license was been stolen and identity theft is taking advantage of it. After hearing my explanation, the chase bank customer service freezes my account to prevent further damage. 
On XX/XX/XXXX, chase bank returned the unauthorized deposits for a total of {$5800.00} from my account but the unauthorized withdrawal was still within my account. 
On XX/XX/XXXX, I went to the chase XXXX XXXX branch to submit a UCC form for them to investigate this unauthorized transaction in order to reimburse my account. The chase bank representative also helps me to open a new account and transfer the balance to new account which is negative this time. 
On XX/XX/XXXX, I report the identity theft to FTC. 
On XX/XX/XXXX, I report identity theft to the local police department. 
On XX/XX/XXXX, I received the notification from chase bank stated my claim is denied, they refuse to reimburse my account because they believe the transaction was authorized and chase bank customer service representatives say there's no appeal process I can take.
Consumer complaint received 2023-09-07
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. (MD)

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 XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XXXX I received a text message stating that it was from Navy Federal about suspicious fraudulent transactions on my debit card and a few minutes later a phone call.During the call I was asked to give identification to setup alerts to prevent this in the future.I was busy at work and was trying to finish the call so i was only following instructions and not being focused. I am a XXXX XXXX XXXX and was working in South Dakota. I set up travel plans with Navy Federal credit Union as soon as I arrived in XXXX XXXXLater that afternoon I noticed XXXX {$50.00} dollars transactions on my account and I was thinking if that is the same transaction I received the call about, I called the bank on XXXXinforming them that those transactions were fraudulent and not authorized by me and I told them about the call and the texts from the bank and the representative said that she will make a fraudulent report and I told her I spoke to someone yesterday who said that he did that and she said that no report was made and she will file one now.on XX/XX/23 a provisional credit of the fraud transaction was placed in my account the sum of $ XXXX.while the claim is being investigated. On XX/XX/23 I received a mail from NFCU that the provisional credit placed in my account {$450.00}. Will be removed on XX/XX/23. 
After a lot of back and forth the NFCU denied the claim stating that the transaction was made from my phone and XXXX said i did made the transaction, I called XXXX and was told that the transaction was not made by me but my account and phone IP was used.After several back and forth I realized that the call was when the transaction was done I called the bank and ask if they texted and call me on XX/XX/23 and they said no. 
I sent the XXXX  receipt showing i did not made those transactions and I told them what XXXX said .I re filed the claim several times and eventually on the XX/XX/23 I received a mail from NFCU stating that they have made a final determination based on the facts of their investigation that my fraud claim was valid and the provisional amount of {$1900.00}. Will remain in my account.But on XXXX the entire amount of the provisional payment was removed from my account.so i called the NFCU reminding them that the money was removed from my account and needed to be returned to my account and then after a long two hour call I was told that I will have to wait until a week later for them return my money, but every time I called i got a different response and i made a police report and also to the FBI and i was refunded only {$1500.00}. Only when asked no one can give me a valid response. I reminded them of the final decision the sent to me in the mail but no resolution to refund me my {$450.00}. Remaining money to date. I was treated rudely and they hung up the phone finally. I asked for the supporting documents to verify their actions and was told I have to subpoena them.
Consumer complaint received 2020-06-13
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. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Creditor : XXXX  So Cr Rec Opened XX/XX/XXXX {$190.00} Original creditor : XXXX XXXX XXXX So Cr Rec Opened XX/XX/XXXX {$120.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX Cred Mgmt Opened XX/XX/XXXX {$160.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$550.00} Original creditor : XXXX XXXX XXXX  XXXX Cred Mgmt Opened XX/XX/XXXX {$490.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$26.00} Original creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  A Opened XX/XX/XXXX {$430.00} Original creditor : XXXX  XXXX  I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (TX)

I am writing to file a second complaint regarding a late open account that is still inaccurately reported on my credit report, despite my previous dispute and request for correction. I am deeply concerned that this issue persists, and I insist on your immediate and thorough investigation to rectify this ongoing inaccuracy. I previously disputed the inaccuracy of this account and provided documentation to support my claim. I expected a prompt resolution to this matter, but regrettably, the account continues to be incorrectly reported as late open. 

I urge your bureau to conduct a comprehensive review of this account and correct the status immediately to accurately reflect its current standing. This continued reporting of inaccurate information is not only detrimental to my creditworthiness but also frustrating as I have taken necessary steps to address this issue. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. Additionally, I request an explanation for the delay in resolving this matter, as it has persisted despite my initial dispute. This late open account in my credit report should be corrected right away : XXXX XXXX Balance : {$900.00}.
Consumer complaint received 2023-09-07
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. (TX)

I am writing to file a second complaint regarding a late open account that is still inaccurately reported on my credit report, despite my previous dispute and request for correction. I am deeply concerned that this issue persists, and I insist on your immediate and thorough investigation to rectify this ongoing inaccuracy. I previously disputed the inaccuracy of this account and provided documentation to support my claim. I expected a prompt resolution to this matter, but regrettably, the account continues to be incorrectly reported as late open. 

I urge your bureau to conduct a comprehensive review of this account and correct the status immediately to accurately reflect its current standing. This continued reporting of inaccurate information is not only detrimental to my creditworthiness but also frustrating as I have taken necessary steps to address this issue. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. Additionally, I request an explanation for the delay in resolving this matter, as it has persisted despite my initial dispute. This late open account in my credit report should be corrected right away : XXXX XXXX Balance : {$900.00}.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received a letter from midlantic credit management about a debt. I asked for more information they told me I was being sued and I should already understand why I was being contacted. This debt was apparently from a XXXX XXXX XXXX bill that they had closed down themselves because the bank they used was closing down. I do not think I should be in collections for an account that was closed down.. They sent me letters giving me a weeks notice of being sued. I called them I was talked into making payments I paid XXXX dollars and then they were taking money out every two weeks of XXXX dollars that I could not afford. I then canceled this because I was unaware of why I had to pay XXXX dollars to them especially being in collections. I tried to negotiate a deal the representatives were nasty and were throwing unrealistic numbers at me to pay. They told me I had to pay it. They were rude and degrading. Pressuring me and having no type of compassion what so ever. They call me every day multiple times a day. I have still not received proof of them having this debt I want to understand what this debt is for and if it is reported I see it no where on my credit report. I tried contacting them to get someone in state instead of over seas they told me that they can not give me anyone else to speak with when the month prior I was given a contact person to speak with and they told me no one in state is accepting my account they would not explain anything to me other than that they were attempting to collect a debt.. they called my mothers house, my husbands phone and my phone multiple times a day. Its harassing.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANNER CORPORATION (CA)

This letter serves as a formal notice from XXXX XXXX to BANNER BANK to cease and desist all collection activities related to any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 
XXXX ), the court ruled that a consumer 's request to cease contact must be honored by the collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2023-09-01
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. (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 u nder 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2023-09-07
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)

XXXX, Experian, and XXXX continue to report inaccurate information on the account listed below. 

XXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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