davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (SD)

My XXXX account was compromised by unauthorized individuals. The perpetrators executed two substantial transactions, funneling funds through various XXXX accounts to obfuscate their trail. This activity is entirely inconsistent with my typical usage patterns. 

Details of Unauthorized Transactions : Transaction 1 : XX/XX/year> - {$4800.00} Transaction 2 : XX/XX/year> - {$990.00} These transactions were significantly higher in value compared to my usual XXXX activity, which is predominantly for small family-related payments, never exceeding {$100.00}. 

Dispute with XXXX : Upon discovering the fraudulent transactions, I promptly filed a dispute with XXXX. Unfortunately, XXXX dismissed my claim, asserting that the transactions were consistent with my regular activity. This dismissal was made despite the clear discrepancy between the fraudulent transactions and my typical XXXX usage. I am now facing chargebacks and bank reversals for transactions I never initiated. 

Now, XXXX has turned over {$4800.00} to a private collection agency, American Coradius International LLC, to attempt to get me to pay it. I do not owe this money, and I insist that all debt collection activities cease immediately. I will be updating the FBI regarding the collection activity. 

I insist that debt collections for this fraudulent activity cease immediately and that any reporting to any and all credit bureaus be corrected and stopped.
Consumer complaint received 2024-05-16
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. (FL)

I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX  XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-16
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. (CA)

I hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Trans Union in reporting bankruptcy information.

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Trans Union to verify and validate such bankruptcy information.

I kindly ask for the following details : The specific procedures and methods used by Trans Union to verify bankruptcy information.

Any documents or criteria utilized in the verification process.

I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile.

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report.

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me.

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-05-16
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. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation
Consumer complaint received 2024-05-16
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. (PA)

It seems that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the listed accounts, such as wrong amounts and dates.
Consumer complaint received 2024-05-16
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. (FL)

I reviewed the results that you have sent back to us after your investigations, I appreciated you for removing some of the inaccurately reported accounts, But it seems the investigation is not fully done, I still profoundly dispute the following remaining Accounts. These items are still reporting illegally which leads to great damage to myself. I would need your help to fix my credit. 

Based on my rights with the Fair Credit Reporting Act Section 1681i, I request you to re-investigate. I look forward to your reply and address my concerns right away! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is expired and outdated and reached its 7 year time frame on XX/XX/2023. Yet it remains on my credit. Why????? Just because it was sold to another agency or whatever DOES NOT EXCUSE it reaching its 7 year limit nor does it state any where in FCRA laws that you are required to leave it on forever! It's expired, should've been removed in XXXX and it still remains on my credit. See attached.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I recently deposited an inheritance check I received from the estate of my grandfather. I was told the funds would be held for up to 10 days, which I expected. The following day ( Saturday, XX/XX/XXXX ) I received an emailed alert from Chase that to " help protect against fraud, we restricted and may need to close your account soon, '' and provided a contact phone number. I did try at that time to reach out but after being on hold for XXXX minutes I had to hang up. I called again today, XX/XX/year>, as I received a second notification that my account was restricted and may be closed. When I called and got through to the correct person to handle my account, they questioned me about the " business '' that issued the funds and that they had to verify the business. I explained that there was no business, that this was coming from an account set up to handle outstanding bills for the estate. They repeated that they needed to verify with the business and did I have a phone number to reach them. I offered the phone number of the executor of the estate which is who signed the check and of course they could not verify this number as belonging to a business. I explained again there was no business involved and asked why they were not contacting the bank the check was written from ( XXXX XXXX XXXX XXXX ) and I was told they could not contact the bank and must have the business that the account belonged to. We went back and forth multiple times with me explaining I could not give them what they were asking for because it does not exist. I was told they could not release my account and my funds at this time and I was told to call back on XX/XX/year> to " try again. '' XX/XX/XXXX is the 10-day mark. I asked what the difference is between dealing with this today or on the XXXX and he could not give me an answer. XXXX XXXX to all this is that my entire checking account is frozen and not just the funds I tried to deposit. I was so frustrated during the phone call that I did not ask why it was legal for them to freeze my existing funds that have nothing to do with the deposit I made. I am now unable to make any bill payments while this is ongoing as my account is " restricted '' and my debit card was listed as a closed account ( which I discovered when I first tried calling on XX/XX/year>, however I am still able to log in online to my bank account and see my balance and the pending deposit ).
Consumer complaint received 2024-05-16
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. (FL)

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.

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX 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 2024-05-16
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Review credit reports and found a discrepancy of a store credit card never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This XXXX XXXXXXXX XXXX XXXX  was never used or ever been applied for by the complaintant. 

This XXXX XXXX XXXX XXXX is demanded to remove
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year> I called Chase bank to report and claim 2 different transactions, made by XXXX, both are for {$360.00} dollars, giving a total of {$720.00}, which I did not make, because my cellphone was stolen, they did gave me the temporal credit, but they take It back later explaining that the transaction was made with my cellphone, which I mentioned It was stolen, so they are now saying there is nothing else they can do to help me, I called XXXX and I was told to call my bank to solve the problem. So now I have a negative balance in my account and I dont want to pay XXXX dollars that I did NOT use, It was fraud and now I have to be responsible for It? I just dont want to pay what money and have the money what was in my account today.
Consumer complaint received 2024-05-16
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

transunion is not investigating my dispute and has take more than 30 days i demand that the disputed XXXX  XXXX  XXXX  account be removed as it has been 61 days since i started the dispute!!! transuion is not responding to my requests for information and has taken more than 30 days on this dispute.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've reached out to Transunion several times in regards to incomplete and inaccurate information that has been reporting to my credit report. Here are the dates they were contacted in regards to this matter : XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX. Mail was sent via certified mail, return receipt requested. Transunion has ignored my request and have not provided the steps taken to determine how, who, when, where, and what took place in order for them to verify the information in dispute.
Consumer complaint received 2024-09-18
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: EQUIFAX, 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 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 2024-09-23
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-22
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. (TX)

I have sent letters to XXXX telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.
Consumer complaint received 2024-05-16
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (ME)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-30
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: SOFI TECHNOLOGIES, INC. (TX)

I am writing to express my deep frustration and disappointment with SoFi Bank 's fraud department. On XXXX XXXX, I discovered that my credit card was fraudulently used for unauthorized transactions totaling {$830.00}. I promptly reported this issue to SoFi Bank, expecting a swift and professional response to help me recoup my stolen funds. 

Unfortunately, the agent assigned to handle my case has been unresponsive and unhelpful throughout this ordeal. Despite multiple attempts to contact them via phone and email, I have not received any meaningful assistance or updates regarding the status of my case. My calls are either not answered, or I am given vague responses that do not address my concerns. 

This lack of communication and support is unacceptable, especially when dealing with a serious issue like fraud. As a customer, I expected better service from SoFi Bank, and I am left feeling frustrated and powerless as my stolen funds have not been recovered. 

I am requesting that SoFi Bank 's fraud department take immediate action to resolve my case and ensure that I am reimbursed for the unauthorized charges. I also urge the company to improve its communication and customer service in handling sensitive matters such as fraud. 

Thank you for your attention to this matter.