davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (SC)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$23000.00} 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 2022-11-19
Product: Credit card or prepaid card — Store credit 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 (FL)

On XX/XX/2022 I paid a balance of XXXX account off, balance was {$180.00}. XXXX charged my checking account XXXX different times. I contacted XXXX about the over payments. XXXX refunded me, via check, for the overpayment. 
About 2 months later then sent me a payment demand for XXXX, However I haven't purchased ANYTHING from the store, they alledge that that they have never received any payments from the XXXX/XXXX/2022 billing statement. I disputed this again, They reversed the charges. 
XXXX weeks ago I got ANOTHER billing request, allegedly saying that I owe them XXXX, After contacting them AGAIN, disputing this claim they advised me to get " proof '' of the payments. I went DIRECTLY to XXXX XXXX XXXX had a computer printout of the entire month bank statement and directy faxed such documents to " Synchrony Customer Care '' @ XXXX. I got the confirmation fax of reciept. 
In response XXXX DOUBLED the amount the alleged amount to debt to XXXX XXXX. Absurd. 
Please resolve this so I can move on from this XXXX long dispute. I paid my bill, I don't owe XXXX XXXX red cent.
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I demand that transunion show me proof that these companies have given me a perk, service or product. These inquiries have no permissible purpose to be on my consumer report
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NV)

I made the very last payment on time, however, payment was made during my time, pacific standard time on the due date. Unbeknownst to me the company cut off for the due date was based on eastern standard time. The charges showing on my account is a late fee on that last payment which paid my account in full. The late fee has accrued interest and penalties. I have closed the account and never used it again. I always paid it on the due date!!!!
Consumer complaint received 2024-04-25
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 am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

key bank, sent offer of {$200.00} to open XXXX account. online it said went to web site www.key.com/personal/promo site said must be XXXX, us citizen, resident of ... Colorado .... 
opening indiv account clicked through and page said " your request cant be completed '' visit nearest branch i went to a branch and told them of offer and they opened account and switch my direct deposit - later they contacted me and said had to be online
Consumer complaint received 2022-11-19
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (MD)

My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. 

We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX  ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. 

Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX  ) and a debit was rejected ( XXXX XXXX XXXX  ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX  being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place.
Consumer complaint received 2024-04-25
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. (CA)

I sent a letter requesting that you investigate the disputed Account from my credit report as well as correct or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$2500.00}
Consumer complaint received 2024-04-25
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)

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update these erroneous accounts. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & ousiness davs ater the date on receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-25
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. (NV)

I have sent numerous disputes challenging erroneous and inaccurate credit reporting for many months. This company refuses to obey by the FCRA and continues to violate my rights as a consumer. Causing extreme stress and XXXX. This is my final attempt to fix these errors outside of court.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit 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 (TX)

I'm writing in respond to case number XXXX. I did not understand why my case was closed without Synchrony card conducting any investigation other than receiving a contract signed. I never received a call or letter asking me for any documents or proofs in order for Synchrony to take a final decision against my favor. 

Synchrony never provided me any proof of service delivered other than a contract signed and a letter from XXXX. 

XXXX XXXX Merchant ) sent a letter to Synchrony letter attached saying that they delivered architectural plans, please I requested from Synchrony to provide me those formal documents since XXXX has not send any documents to me. Architectural plans needs to be certified by a licensed architect and approved by me with my signature. 

I never requested architectural plans as you can read in the contract provided by XXXX, architectural plans was never quoted. 

In order to work on the property, the City of XXXX needs to approves the architectural plans. Please Synchrony gets these documents from XXXX. 

If XXXX has bought material why the material was never deliver to me? Does XXXX provide proof of any material delivered to me and for what amount? and what kind of material? 

XXXX offered free estimate in their website XXXX why a walk through is now taking in consideration for the {$25000.00} payment? 

I never cancel a contract please provide a proof that XXXX has send you that I had stop the project? and for that reason 30 % cancellation fee was enforced? 

Too many inconsistency that Synchrony is not providing to me that they conduct an investigation and that the merchant is providing enough proof to justify taken {$25000.00}. and from Synchrony to take a decision against my favor. Only a contract signed is not a proof of service delivered. 

If Synchrony is validating the contract as a proofs of services delivered to me, therefore Synchrony bank is saying that fulling understood the terms and conditions of the contract and that it is assuring I received and I approved architectural plans, that I received material for an unspecified amount, and that I formally stop the project and for that reason I need to be enforced 30 % cancellation fee. 

I will wait for your further investigation resolution. I'm attaching the appraisal I executed to demonstrate the condition of the property and that I never received any services from XXXX. 

Thank you, XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-24
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. (GA)

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one closed my account unilaterally after the bill was paid in full for card ending in XXXX. I called on XX/XX/XXXX to submit a request to reopen the account and was told that the request would take 7-10 business days. Called back in on 7/10 to check on the status and was told that I should hear back by the XXXX or the XXXX of XXXX. Called back on the XXXX and was informed that no request was submitted on the XXXX and they only first submitted the request on the XXXX of XXXX and I would have to wait until XX/XX/XXXX. Asked to be transferred to a different manager as the one I was dealing with was based out of the XXXX and difficult to understand on top of multiple dogs barking in the background. Was transferred to Manager XXXX based out of XXXX, FL who said that my account will not be reopened and she's not sure why the requests were submitted as my account can not be reopened. Very angry that hours upon hours of my time has been wasted by Capital One lying to me about my recourses and about requests that were supposed to be submitted but were never submitted.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

On the morning of XX/XX/XXXX XXXX before heading to work I opened the CB wallet through the CB app. Always did so was a habit I created to check prices and my assets. From there I would access my CB wallet. That morning I was doing by bi- monthly security check on the wallet. I signed pin and checked seed phrase and to see if update was needed. Everything was on point. I accidentally signed out for the first time in 4 months. I would just close app on my phone. I immediately went back to CB app to access my wallet and it was gone completely. Attempted recover on seed phrase I had just reconfirmed and led me to a XXXX balance, fresh wallet. I was shocked. 
I have XXXX of Btc in the wallet. I had plans of buying more. At this point I contacted CB support virtual assistant ( plural ) Multiple. I was originally told it was a bug. Then it moved to my seed phrase, again, which minutes earlier I had double-checked for moments like this. I eventually called CB phone number. Talked to XXXX and he opened the case with CB wallet Customer Serive Team. All of that info should be documented in the case. It ended once they told me the could see my CB.ID wallet and they sent me hyperlinks to my assets in the wallet. I looked at them and it is no where near my balance in my wallet. I said I'm going to leave a XXXX review and the case was closed within minutes. I wrote the review after. Please remember it went from it being a bug, to they can see my wallet, to try another wallet to see if I can get my balance on another wallet. That scared me because I knew that if I attempted and there was nothing. I had a bigger problem. I did with 1 wallet and nothing. I have to reiterate I had just visually seen my seed phrase. 
Finally, I was a sceptic of crypto already before joining. I chose COINBASE because it was centralized. Once my cased was closed I removed my remaining assets worried I wasnt going to receive proper assistance Customer service could be better and concern over customers investments should be essential. 
I have all receipts and screenshots of certain info giving to me in our emails. 
I like COINBASE and the wallet, but this has turned me off of crypto. If the issue can be resolve. I will happily take down or edit my reviews. 
One last thing. As important as the emphases on seed phrase is, to question people about it is not right. This was not a lost or new device, an accidental sign out and my seed phrase doesn't work. 
Please help me with my wallet. 
FYI -- 4 months in crypto. 1 CBwallet I have my recovery phrase written down in multiple places from when I first opened the wallet. A week before this I noticed some of my ( free minted ) XXXX 'S were missing as well. Which is why I purchased a hard wallet. 
Case # XXXX Case # XXXX Both closed no resolution. 
I've learned a lot from XXXX and dont feel so alone dealing with this problem.
Consumer complaint received 2024-06-07
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. (FL)

XXXX after seeing that you are not in the interest of compliance with any of the federal regulations that govern your industry be aware that I am filing a lawsuit against your company for violating the law of the FCRA and refusing to provide any further cooperation in this case regarding the identity theft in the checking account.
Consumer complaint received 2024-04-25
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. (FL)

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 2024-04-25
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. (GA)

To whom it may concern, I am writing to bring to your attention a serious violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts listed have improperly disclosed my personal information : XXXX XXXX XXXX XXXX XXXXXXXX This breach of confidentiality has caused me significant distress and has compromised my privacy. I demand that immediate action be taken to rectify this situation and ensure that my personal information is handled in accordance with federal law. 
Please provide confirmation of the steps taken to address this violation and prevent any further unauthorized disclosures of my personal information. 
Thank you for your prompt attention to this matter.