BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
With reference to the response to complaint # XXXX. 
Not sure where to start, with such an uneducated response, but in an effort to help those involved, I will break down each of the paragraphs to expose the errors and correct. 
Paragraph 1 ) I did not at any time place an inquiry, but I did file a complaint for improper reporting.

Paragraph 2 & 3 ) In reference to accounts ending in XXXX & XXXX, with balances of XXXX & XXXX. You state that their not under review for 1099 - c, that nonsensical no such thing as review, its either over the required {$600.00} or not. Please read IRS Publication 4681. If you do not perform I will be contacting the IRS. 
Paragraph 4 ) You can put what ever you want in your terms and conditions, that's your right, but it does NOT supersede the purview of the FCRA or any other laws pertaining to reporting my non-public information. In fact I can opt any and all non-public information I choose to per the FCRA 15 USC 6802. I may also opt, per the privacy act of 1974, per 5 US Code 552a. To close on this paragraph, although you supplied a privacy notice with which you can report to the bureaus, I have the right to opt out from that notice, that you neglected to provide. To be clear I have opted out.

Paragraph 5 ) I thank you for this paragraph, as it shows your purposeful neglect in performing your duties, you mention your findings, what findings I didn't receive any notarized findings.

Paragraph 6 ) You are under no obligation to report anything, I did not give you permission to report anything to the credit bureaus, and still don't.

Paragraph 7 ) I'm not making a request, to be clear its a demand, for you to perform with a little integrity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a fraud issue where someone stole my information and gained access to my account. 
This all happened XX/XX/2023 as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. 
I fast forward to XX/XX/2023 my account was locked I could not log into my online banking I call I'm told my account is being closed and I would receive a cashiers check I ask questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me.

I then decide to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity can be confirmed. 
I speak with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. 
I left for a second I came back because I needed to speak with a banker about my situation the same instance happens I speak briefly with a banker for the second time still the banker does not ask my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. 
I went to the branch because it is the closet branch to where I live I usually go to the branch that is a town over from me. 
After leaving I then call the risk and closure department and ask if I could pick up the cashiers check in person I was told no it has to be mailed and it will take 10 days. 
The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their Id and social to verify their identity and then issue the check once identity has been confirmed in person. 
What Bank Of America is doing is not combating fraud but contributing to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report shows that there is a bankruptcy which was furnished without my knowledge or consent. I have in return received multiple adverse actions due to all credit reporting agencies. It has affected my family, my lifestyle and most of all has caused so much public humiliation. 
I have reached out to all credit reporting agencies and each and every single one of them denied the request to remove. You have already caused unreputable damage.

Remove the Bankruptcy immediately I want all charge off accounts updated to PAID AS AGREED And all hard/negative inquires REMOVED COMPLETELY You have reported over 25 transactions through negatively reporting my non public personal payment history.

I also reached out to U.S. Bankruptcy Court Utah District who also says they are not affiliate with ANY credit reporting agency. 


15 USC 1681g ( a ) ( 5 ) a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Per 15 U.S. Code 1681n ( b ) - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ). 

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6809 ( 5 ) 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I trust this letter finds you well. I am writing to address a matter of concern regarding my credit report, specifically the presence of late payments that I believe are inaccurately reflected. I am seeking your assistance in rectifying this issue promptly. 
Upon thorough review of my credit report, I have observed instances of reported late payments that, to the best of my knowledge, do not accurately represent my financial history. I am attaching supporting documentation, including proof of on-time payments during the periods in question, to substantiate my claim. 
XXXX XXXX XXXX XXXX I understand the importance of accurate credit reporting and its impact on my financial standing. Given the potential consequences of these inaccuracies on my creditworthiness, I kindly request that you conduct a comprehensive investigation into the reported late payments. Subsequently, I urge you to take the necessary steps to either remove or correct the information on my credit report. 
To ensure transparency and keep me informed throughout this process, I request regular updates on the status of your investigation and any actions taken to address this matter. Your prompt attention to this request is highly appreciated, and I look forward to a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Here Below I've listed all inaccuracies that are being reported by transunion & that should be Deleted from my report Immediately. 

XXXX. The account statuses are different, TransUnion is reporting that its closed but XXXX is reporting that its paid. 
XXXX. These accounts have two different dates to when these accounts were supposedly opened. TransUnion is reporting XX/XX/XXXX but XXXX is reporting XX/XX/XXXX. Both dates can not be accurate, which is false information being reported. Delete immediately. 
XXXX. There are also two different Date Last Active dates reporting inaccurate. TransUnion is Reporting XX/XX/XXXX but XXXX is Reporting Date Last XXXX These are two different accounts please remove both accounts as they both are inaccurate. 
XXXX. All of these errors are reporting inaccurate information on my consumer report and by law you are required to report 100 % accurate information. these are to be remove from my report immediately. 
XXXX. Ive included documents to support my claim and all inaccuracies are Highlighted. If these accounts are not deleted within 10 days, I will be moving forward with a Consumer lawyer to represent me for this unlawful matter. This would result in emotional and financial damages paid out to the consumer ( me ). Thank you kindly for these deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX debit card was fraudulently charged {$380.00}. I tried disputing these charges XXXX times while also submitting a police report and my driver license. Bank of America continues to deny the claim without investigating anything. They keep saying that because the card was in my possession that its basically my fault. I have no clue how a scammer got my card info but they did and I cant afford to lose {$380.00} because the bank doesnt want to actually investigate and arrest those responsible. I live paycheck to paycheck and can not afford to just give away {$380.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting to express my appreciation for your efforts in addressing some of the fraudulent items in my credit file, stemming from an alleged identity theft. However, it has come to my attention that several remaining items persist, demanding your urgent attention and resolution. Upon a thorough review of my records, I have identified numerous files that do not pertain to me yet continue to be reported in my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I would like to bring to your immediate attention the legal requirement for Credit Bureaus to expeditiously remove such items that are proven to be opened due to identity theft. To support my claim, I am attaching the necessary Federal Trade Commission ( FTC ) Report, with reference numbers XXXX, XXXX, and XXXX, and a copy of my bank records. The disputed items, detailed below, are unfamiliar to me and do not align with any transactions I have authorized : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} ***EQUIFAX*** XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/scrub>XXXX XXXX XXXX   I made a debt settlement payment of {$2100.00} through XXXX XXXX XXXX to XXXXCiti . I was informed by XXXX XXXX that this was a settlement that XXXX and Citi agreed upon and would clear any other amount I owed. XXXX XXXX XXXX uses XXXX XXXX XXXX to make payments. 

1 ) XXXX XXXX has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to Citi on XX/XX/year> and do not show a settlement payment. 
3 ) Citi recovery department says they haven't received a payment since XX/XX/year>. 
4 ) I have not received any paperwork from XXXX nor from CITI the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, XXXX XXXX XXXX owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, XXXX XXXX XXXX does not return my phone calls nor do they return my email requests to speak.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief