davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report But I have items that are left over which are listed below. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/20XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-19
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. (CA)

This is my tenth 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MO)

I am writing to file a complaint for unresolved pending charges on my account which is preventing me from closing my account and potential non-compliance with regulatory standards. I submitted a XXXX complaint on XX/XX/2023 which they have just been ignoring so hopefully you get a better response from them. They just keep deleting my messages out of my portal with them anyway attempting to hide my contacts, despite me having email verification they responded, poorly. You can see in the attachments how my message center only shows one message while the email screenshot shows they responded about the same account on XX/XX/XXXX. They are now actively trying to cover their tracks and hide any wrongdoing. 

1. Unresolved Pending Charges : For over five months, my account with Synchrony Bank has been burdened with two pending charges that remain unresolved. Despite my repeated attempts to resolve this issue with the bank, I have been met with unproductive advice and a lack of substantive action. The bank 's insistence that these charges will " drop off '' and their directive to contact the vendors involved have not led to any resolution. This not only reflects poorly on Synchrony Bank 's customer service but also restricts my ability to close my account, a right I believe is protected under consumer protection laws.

2. Non-Compliance with Data Protection Laws : The persistent issues with my account at Synchrony Bank have raised significant concerns about their adherence to various data protection and financial regulations. These potential violations include, but are not limited to : California Consumer Privacy Act ( CCPA ) and California Privacy Rights Act ( CPRA ), Gramm-Leach-Bliley Act ( GLBA ), The Fair Credit Reporting Act ( FCRA ), Sarbanes-Oxley Act ( SOX ), Payment Card Industry Data Security Standard ( PCI DSS ) The consequences of such violations are severe. They can lead to extensive external audits, hefty fines, legal actions, and a substantial loss of customer trust. 


In severe cases, repeated or gross non-compliance can result in more drastic regulatory actions, including the revocation of licenses to operate in certain jurisdictions. Given the seriousness of these issues, I request the CFPB 's immediate intervention. Specifically, I seek : - Prompt resolution of the pending charges on my account so I can close it. 
- A thorough investigation into Synchrony Bank 's compliance with data accuracy and protection laws, especially in light of California 's CCPA and CPRA.

- Assurance of measures to prevent similar issues in the future.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/ I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/ asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XXXX  at XXXX. TransUnion received my letter on XXXX  at XXXX. XXXX received my letter on XXXX  at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/ I submitted a complaint to the CFPB about the inaccuracies. XXXX Complaint ID is XXXX XXXX  Complaint ID is XXXX Transunion Complaint ID is XXXX. XXXX Responded on XXXX XXXX Responded on XXXX XXXXransunion Responded on On XX/XX/ I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!
Consumer complaint received 2023-11-22
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. (AR)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-18
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. (GA)

In accordance with the Fair credit reporting act XXXX Acct # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX  were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.
Consumer complaint received 2024-02-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchased the card and then attempted to use the card at an online retailer, and it was declined. I then attempted to add it to XXXX, which was declined again. Next, I called XXXX, because the card had been frozen from those attempts to use it. XXXX sent me a replacement card, which had the same issues. I then used the card to buy a different prepaid card ( XXXX XXXX ), which still had the same problems.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to all three credit bureaus XXXX, TransUnion, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all XXXX of my credit reports as it is being reported without my consent. 

I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My employer iXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to the credit bureaus regarding errors on accounts being delinquent and they are not. There are also addresses where I have never lived. The bureaus " verified '' everything, which is wrong and should be illegal. The negative and false reporting is hurting me as a consumer.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to bring to your attention a matter of concern regarding the reporting of inaccurate information on my credit report. I recently reviewed my credit report and discovered that the inaccurate information, continues to reflect inaccurate late payments. I had previously addressed and repaired this account, and it is disconcerting to see that inaccurate information persists on my credit report. 

Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly request that you conduct a thorough investigation into this matter to verify the proper reporting of information on my credit report. I expect that you will take the necessary steps to rectify any inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up-to-date information on my credit report, and I trust that your bureau will adhere to the legal obligations set forth by the FCRA.
Consumer complaint received 2023-11-22
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. (AR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2020-07-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to USAA and police reports. The account # Visa ending in XXXX was not removed from XXXX and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted USAA and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. USAA is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

EXPERIAN IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE EXPERIAN HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND EXPERIAN FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-22
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. (SC)

Transunion provide my information with consent in accordance with Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to, privacy 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish accounts with out my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under An open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out several times to Transunion about XXXX inquiries that have hit my credit profile. I have informed them that I am a victim of identity theft. They advised me they see the alert on my profile and the FTC Identity theft packet. Unfortunately they have failed to remove the inquiries off my credit profile. I told them that according to the FCRA these unverified and unauthorized items must be removed. Instead they have chosen to ignore me as a consumer who is concerned about my credit and currently in the process with the FBI hiring process. They are in huge violation. I even told them I was reporting them to CFPB if theses are not removed and the agent disconnected the line.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

This problem relates to Experian, XXXX and XXXX Reporting Agencies. These agencies stubbornly continue to retain addresses that go back in some cases more than 30 years. 

1. These agencies won't provide a place on report to dispute ANCIENT addresses.

2. These agencies stubbornly report an " Also Known As ''. I NEVER USE AN ALIAS OR ALSO KNOWN AS NAME.

3. Name changes legally made LONG, LONG AGO are not reflected on report. The agencies are stubbornly holding on to OLD NAMES as though there is something to uncovered. 

Agencies IGNORE NAME CHANGED VIA DIVORCE DEGREE. Reports show last name XXXX ( OLD MARRIED NAME ) THAT WAS CHANGED VIA DIVORCE DECREE XX/XX/2002.
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BARCLAYS BANK DELAWARE (PA)

Barclays Bank Personal Loan Mail solicitation for Personal loan fixed for XXXX months up to {$35000.00} Rates starting at 4.99 % I received a print ad on XX/XX/XXXX that does not expire until XX/XX/XXXX. The ad states that XXXX XXXX ( me ) has a pre-selected confirmation. 
For Fixed APR as low as 4.99 % with no fees I was issued an offer code to input and directed to www.barclaysloanoffer.com.

The site immediately states 5.99 % is the lowest rate ( before I even enter any personal info or invitation code ) After, entering the invitation code. The site asks some personal info but does not ask for permission to run credit check.

Then I was give 3 options to choose in order to move forward which were much higher than the solicited rate ( note : I have excellent credit ) The site states that if I choose one of the options a credit check will be performed but will not ding my credit score. There is no option to move forward unless a much higher rate is chosen. 

After calling the customer service # I was told by the rep that the solicitation " is no longer valid and lowest rate is 5.74 % because of prime rate going up '' additionally, I was told that " the marketing department generates the solicitations months ahead of time ''. After, requesting supervisor XXXX rep # XXXX. I was told that the 4.99 % was expired and now lowest is 5.99 % however she then changed her statement and said the 4.99 % was only available to a private few who received the solicitation. 

I was told I must have not have high enough credit to qualify for a better rate and then transferred me to the finance department. 

Another supervisor XXXX rep # XXXX claimed my credit score was XXXX and that qualified for the much higher rates. However, when I asked what was needed to qualify for the 4.99 % rate advertised she said she did not know and at no point could tell me the requirements needed to qualify for the advertised rate. Also XXXX acknowledged mistaken statement by other reps and said internal training would be done! but would not honor my advertisement
Consumer complaint received 2023-11-22
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. (NJ)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I previously use XXXX XXXX XXXX in XXXX. On XXXX, 2022 my lease expires and I move to XXXX  . I previously call XXXX to close my account on XXXX but they didn't close my account until XXXX and charged me for the entire month. I have called XXXX to close that account but they still keep charging me {$59.00} which equals the amount of the entire month. Regardless, According to N.J. Admin. Code 14:18-3.8, they must pro-rate the last month of the bill if it enters another billing period. I have called XXXX XXXX to settle down the account for {$30.00} but never get at least a {$30.00} refund back. 

Recently I realize XXXX put a record on my credit report that says I have {$59.00} past due. This is not correct and I shouldn't pay for that. This record impacts my credit by XXXX points.
Consumer complaint received 2020-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!