BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX 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. 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.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX this is not 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 2023-04-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 2018-08-04
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a mutual fund account in joint tenancy with my father is is XXXX years old and in a nursing home. Three years ago when he was moved to a nursing home I changed his address because he could no longer keep a Post Office Box and I live in another state. Three years ago he signed a Durable Power of Attorney. I changed his legal address to my own address and I handle all of his financial affairs including his tax returns from my address. BNY Mellon as manager of  XXXX XXXX refuses to change his address. They have also blocked all online access to the account. The post office and myself have sent them proper notification. They have refused to issue dividend checks to the new address and now are saying they must turn over the last three years dividends to the unclaimed money fund in their state of operation. They have made changing the address impossible by asking for things that do not exist ( my dad does not have a driver 's license at age XXXX ) and even refused the power of attorney stating they want a new one less than 60 days old verified by a " an authorized officer of an acceptable financial institution '' meaning that there is no one they will allow to verify it because they can not define this terminology. This is essentially extortion because they have set the hurdles so high to change the address that it is impossible to retrieve the money due to myself and my father.

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 2023-04-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I attempted several times two have this company correct The inaccurate reporting of several accounts according to the FCRA pursuant to 15 USC 1681a fairness and reporting all reporting accounts must be 100 % accurate, 100 % verifiable, 100 % complete. Also, I have requested validation for several accounts and a description of procedure, which has not been provided to me pursuant 15 USC 1681i ( 7 ) 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A bank of America credit card was opened XX/XX/2022 in my name. The address the card was sent to was in TX ( I live in CO ), but luckily I caught the fraud before the perpetrator received the card.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
sent dispute letter out on XX/XX/2022 to the three bureaus transunion, XXXX, and XXXX, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from 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 2020-02-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX was deleted from my Experian credit report back in XXXX of XXXX. ( Please see attachment for further details. ) Even though first premier Bank account # XXXX was deleted from my Experian credit report on XX/XX/XXXX account now shows a verified and updated status as of today XX/XX/XXXX. How is this possible?? 
Where is Experian getting its information from?? 

This is a violation of ( FCRA ) ( Please see attachment for further details ) This account has been reinserted onto my Experian credit report between XX/XX/XXXX and XX/XX/XXXX without notification within 5 business days of reinsertion. This is a violation, I demand that this account must be deleted from my Experian credit report immediately. 

: With an unverifiable balance a violation, delete account immediately : XXXX XXXX XXXX currently reports incorrect last date of payment on my Experian report. A violation. Account immediately : XXXX XXXX XXXX currently inaccurate & misleading last date of activity. A violation, remove account immediately :

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I called trans union at XXXX I spoke with a representative but they were not able to help me out I was a victim inquiry System when Trans Union deleted inquiries off of Ppls report and then added them back not doing it the right way I was a victim so when I spoke to the representative I named the increase that was on my report that I want it removed XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX/apt owner, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ... ... .... The representative was not able to help me kept saying he did not know what I was talking about I will like all the inquiries Removed from my credit file

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

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 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Through Transunion, on or around XX/XX/21, I requested a view of my credit score for the other two credit reporting agencies ( XXXX XXXX XXXX  ) agreeing to pay the one time fee of {$27.00}. Nowhere on the pages I viewed did it say that this would be a monthly recurring charge of {$27.00}, which I would never have agreed to. Transunion has since been notified by my credit card company of the aforesaid fact but continues to charge my credit card with {$27.00} on a monthly basis. I would like Transunion to end this practice as it is adversely affecting my ability to perform duties and sleep comfortably.

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 2023-04-05
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, the company that services my 2 student loans has been reporting on my Equifax report for over a year that I have 4 student loan accounts. I have disputed them with the credit bureau twice and they have verified it as correct. I contacted XXXX once and they did nothing. This time they added another account. Now my credit report shows 6 accounts. In addition I provided them a copy of a letter from The Department of Education stating that my student loans have been forgiven as of XXXX23. They are still reporting and trying to collect a balance from an account that was forgiven due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX Jefferson Capital had a debt on my report that was not mine. I disputed it and it was removed from my reports. As of XX/XX/2022 it appeared again, I asked them numerous times to correct their mistakes. And because of their errors my credit score has went down. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist Bank charged a duplicative NSF fee based on charges that were already included in the prior balance. On XX/XX/XXXX, my grocery account balance was {$210.00}. On XX/XX/XXXX, the balance was - {$2.00}, which included a " pending '' XXXX charge ( {$33.00} ) and two actual debited charges from XXXX ( {$52.00} ) and XXXX ( {$120.00} ). My account was charged a {$36.00} NSF, understandably so. On XX/XX/XXXX, I deposited {$100.00} in the account, and the XXXX charge was then actually debited ( {$33.00} ). However, Truist charged an additional {$36.00} for the XXXX charge ( {$33.00} ). When I called the bank to inquire about being charged twice for a single debit, I was advised that I was charged once for XXXX and once XXXX. When I asked how is that possible when the pending charge from XXXX was included in the balance that was previously charged the NSF fee? I was told that it didn't matter that the pending XXXX charge was already included in the balance. Once the charge is actualized, I will still be charged. My complaint is that, if this pending charge is what caused my account balance to be too low for the XXXX and XXXX charges, then why would I be charged again when the charge actualizes? It would make sense to me if the pending charge was not included in the prior balance, but because it was included, Truist can get around charging me twice by saying that the first NSF fee was tied to the XXXX charge rather than the XXXX charge b/c it was only pending at the time. However, were it not for this pending charge being included in the ACTUAL balance, this never would have occurred. Truist refused to refund the 2nd NSF fee, which is why I am filing this complaint. I believe that this is an unfair practice for consumers, and I can't be the only person this has happened to. If a pending charge is included in the prior balance which incurs an NSF fee, then once the charge actualizes, they shouldn't be able to charge consumers a second time.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent.

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 2019-12-02
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Mariner Finance sent me by mail an unsolicited loan-check in amount of {$1200.00}, dated XX/XX/2019. 

Sending live checks ( or any other type of credit check ) is just predatory and puts my credit at risk - anyone could steal mail from my mailbox and have fun at my expense. 

I have never requested any loan from Mariner Finance, nor I am interested in their services. I want them to stop sending me credit/services offers. The opt-out information they provide doesn't apply only to Mariner Finance but all other creditors, and I am not interested in filling out forms that require my SSN. 

Branch Manager of XXXX, MD, take my name out of all of your branch 's and Mariner Finance 's marketing/credit/services list, and do not contact me at all through any medium.

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 2023-04-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX  - Account number # XXXX XXXX XXXX-Account number # XXXX XXXX-Account number # XXXX XXXX  XXXX -- Account number # XXXX XXXX-Account number # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-Account number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX & XXXX XXXX XXXX number # XXXX XXXX XXXX XXXX-account number # XXXX XXXX XXXX XXXX. XXXX # XXXX, has violated my rights.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ILLINOIS XXXX XXXX XXXX/ {$1500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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