davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I called PFCU around XXXX on the XXXX of XXXX, I went through the process of setting up a wire transfer to XXXX XXXX I did and answered all that was asked of me, 2 hours later i get an email from PFCU to call, but no explanation. Given the history of failures by PFCU I figured it was in regards to the wire. After several minutes I get a lady who says they needed more info to process the wire that was promised to be sent out today. She asks me verification questions that did not work and were not correct. I was told the wire of a significant amount would not go today. I was told someone in management could call me back within the next few hours. I told her I needed to speak to someone right away, finally XXXX got on the phone after another several minutes and then after explaining to him told me to wait another several minutes. As of the time of this complaint still no resolution. This is a total failure of service and seemingly an attempt to stop me from moving my money. Note- they also sent me a letter about an account I have with someone else 's last name on the letter, but with my account information. As you can see in past complaints PFCU has fallen apart and lacks competency as a financial institution. Im not sure what else regulators need to see to look into this. The President should resign as quickly as the head of secret service did. Please publish this and warn others of the toxic situation at PFCU.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My phone was stolen, and the thief transferred nearly {$14000.00} from my account via the XXXXXXXX XXXX Bank of America processed two fraud claims for the same unauthorized transactions : one for {$6300.00} and another for {$7100.00}. They approved the claim for {$7100.00} but have refused to approve the claim for {$6300.00}, even though both claims are for the exact same transactions. I urgently need the money that was stolen from me to be returned.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

My XXXX paid for a membership to Sam 's Club and included myself as her authorized user for her membership account. I went into Sam 's Club in XXXXXXXX XXXX on XXXX XXXXXX/XX/XXXX and had my membership card made. At the counter the only information the associate asked me for was my Driver 's License and what my email was, which I provided. The next day on XX/XX/XXXX, I received an email from XXXX XXXX letting me know I had an inquiry on my credit report. I looked at it and not once, but twice a HARD inquiry from Synchrony Bank/Sam 's Club was on my credit report from the day before. They didn't even mention a credit card while I was in the store. I'm wondering how this happened without asking for my permission, and without my SSN/income, or inquiring in store about any of the information needed for the hard inquiry to show up on my credit report. I contacted XXXX who said I would need to ask Synchrony bank about it, so I did. They have NO application on file from myself for a Sam 's Club credit card on record. I called my local Sam 's Club and the shift manager on duty said she was seeing that I DO have an application for a credit card in her system, and unless I come in store she couldn't provide me with any specifics ( I asked if they had my correct SSN since I didn't provide it! ) So I asked her how that was possible if I wasn't asked to apply for a card, nor did I provide the information needed to apply for one. She asked me if someone in the store might have scanned my membership card as I was walking past them after I had it made that day. Which makes absolutely no sense and didn't happen as it was in my wallet until I checked out. I'm thinking she knows exactly what her employees are doing to meet their credit card sales quota. Which is make up a SSN/income to enter for the credit card hit to go through on members without their knowledge. I've researched my issue online and I'm DEFINITELY not the only one that has had this happen specifically at Sam 's Club. I am not the only victim and it needs to STOP.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PLACID NK CORPORATION (WA)

I initiated transfer with placid.net on XX/XX/2024. The transaction number is as mentioned by them. 

TRACKING # XXXX Since they provided the date of transfer of amount in XXXX account is XX/XX/2024, today it's XXXX XXXX and they are not picking up phone and even not responding to the emails that I sent. 

They cleared the funds from my XXXX  XXXX XXXX account immediately, but still funds are not cleared. Looks like they are using my dollars for these many days. 

Company of remittance : Placid Inc Contact page : https : //www.placid.net/inf-contacts.php website : https : //www.placid.net/
Consumer complaint received 2024-07-03
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. (CA)

I AM A VICTIM OF IDENTITY THEFT AND ALL 3 CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, XXXX AND TRANSUNION ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE 3 ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-06
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. (TX)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-06
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$16000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00}
Consumer complaint received 2024-07-06
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 formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned accounts : XXXX XXXX XXXXXXXX Balance : {$390000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-06
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)

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 Number : XXXX 15 U.S.C 1681 sectio

n 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 2024-07-06
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)

I told them every inquiry and every account except XXXX was fraudulent and most of the accounts was open when I was in the XXXX  and I should not have any collections on my account as well.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX Account # XXXX. I paid this account in full on XX/XX/year>, and made all payments on or before my due date. In XX/XX/year>, I received an XXXX credit monitoring alert that this account was reporting 60 days late for the month of XX/XX/year>. Upon a detailed review of my Transunion and XXXX credit reports I noticed that this account was reporting 30 days late for the month of XX/XX/year>. This account is reporting inaccurately. All payment were made on time. In fact, I paid the full balance prior to the contractual terms. My XX/XX/year> payment was made on XX/XX/year>. My payments were auto drafted on a monthly basis. 

On XX/XX/year>, I spoke to a XXXXXXXX XXXX representative over the phone to dispute the last payment remarks on my credit report. He identified as " XXXX '' and he informed me that owed {$170.00}. He was unable to explain what the charges were for. However, he told me that once I paid this amount this derogatory information would be deleted from all three major credit reports. The balance was updated to XXXX  and the account now is closed. However, they did not correct the payment for XX/XX/year> as paid as agreed. Still showing late. I feel deceived and taken advantage of. I fulfilled my contractual obligation ahead of time and this credit is penalizing me for it. I have a recording of the conversation with XXXX and bank statements to prove my on-time payments.
Consumer complaint received 2024-07-06
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)

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 Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/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.
Consumer complaint received 2024-07-06
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
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)

My Information was breached with the XXXX XXXX XXXX, I did not authorize these Inaccurate Closed Accounts & inquiries please remove these inquiries immiediately.
Consumer complaint received 2024-07-19
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. (CA)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-18
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. (NY)

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 2024-07-12
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: SYNCHRONY FINANCIAL (MI)

Synchrony Bank is not abiding by their basic agreement- I had ordered a single piece of merchandise - an XXXX XXXX XXXX XXXX  figuring for a total of {$34.00} in XXXX of 2024. Although the merchant provided a tracking number, the items was NOT delivered to my address- this is one of the latest scams going around that sadly, Synchrony Bank is not aware of are their investigators are simply not trained properly to deal with it - Synchrony Bank then denied my fraudulent complaint citing the fact that a tracking number was provided by the merchant - an easy call or investigation by them would have revealed that the merchandise was NOT delivered to my address but it appears that their investigators are not all that competent. If that wasn't enough, this merchant started doing unauthorized reoccurring charges. When I discovered them on my XXXX statement in XXXX, I called Synchrony 's customer service line. The reps I spoke with assured me that they would be removed. They apparently were & to be safe, I was issued a new card. The charges came back as reoccurring since that is how the perps set it up. The charges came back in XXXX, I called again, & thought I had this reoccurring thing removed. Another month later in XXXX now, followed by XXXX and now XXXX - Synchrony Bank, continues to do balance transfers from the old cards to new ones & they are all fraudulent. I have made several more calls along with live chat to get it resolved. I told than that I have a lifelong XXXX credit rating, always pay my credit card balances at the end of each month ( I never have to pay finance charges ), and keep meticulous records. I realize in the great scheme of things {$51.00} ( which is now growing from XXXX ) isn't that much, but there is a principle here- I am not liable for the fraudulent charges & the reps I spoke with agreed with that, but the keep reoccurring on this credit card - I have since canceled the card, but they continue to say that I owe them {$51.00} now. So what do I do?