BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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:
According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 ; XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
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:
XXXX Reported Late payments on my XXXX XXXX Account on XXXX. XXXX also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 USC 1681 section 602 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 a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Truist Bank continued to charge XXXX XXXX  monthly fee since XX/XX/XXXX to my checking account, until the balance went to XXXX, then they started to charge overdraft fee, and finally they started to collect the money total at {$79.00}. I was not aware this until I received their collection letter because my account was initially opened with XXXX XXXX, then XXXX XXXX  sold it to XXXX XXXX XXXX XXXX, then sold to Truist Bank. 

I called the Truist Bank and they offered a settlement of this debt. In their letter dated on XX/XX/XXXX, they state " Truist Bank, formally known as Branch Banking and Trust Company is willing to accept a settlement of {$59.00} ''. On XX/XX/XXXX, I sent a check of {$59.00} to Truist Recovery Department listed on their Settlement Letter. 

However, on XX/XX/XXXX, Truist Bank Default Recovery Department sent me a letter asking to pay again the Balance {$79.00}.

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 non-monetary relief
Consumer complaint received 2019-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX there was fraud committed with my credit card. I had contacted them a filed the claim a few days later when I caught that my credit I had on there was used and much more. Unfortunately XX/XX/XXXX I was told my claim was denied with no reason as to why. I contacted the fraud department on the Saturday after and sat on hold for well over an hour. The first gentleman told me it was because I had been to one of the places before, mind you one time. Then the manager told me it was because it was a chip. I explained I had asked for a replacement card months prior and the security numbers on the back would show that. I then asked what I can do to fight this because its impossible for me to be in two places at once. I asked if I needed to send my time cards over which she said yes and gave me the incorrect fax number. After calling again on XX/XX/XXXX and being on hold for 45 minutes I was able to talk to a lady and she gave me the correct fax. I then faxed over my timesheets for the dates in question the same day, XX/XX/XXXX. I have tried to call fraud dept however it was always over an hour wait time and I work for XXXX XXXX in California so XXXX to XXXX mon thru Friday is XXXX to XXXX. I work XXXX to XXXX Pacific time. Hour long wait times and no contact is unfair and criminal. To make matters better I haven't received any documentation from them in regards to filing the claim again and today I was able to get them to escalate it because I messaged them on XXXX. I was then told I would hear back in 3 days with whatever they may need from me or whether or not my claim was denied again. 
I am being forced to pay the bill otherwise it will be reported as missed payments and affect my credit. I do not have XXXX nor do I have the money for the interest they charged me. 
When asked again for the full investigation and why no one told me to file police report they didnt have an answer.

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 2023-07-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone called me said they were my bank their phone number said it was my bank told me money from XXXX of my accounts were sent via XXXX to someone and I needed to create an account to XXXX the money back to me via a reversal transfer it was all a scam. XXXX told me to file a claim with my bank to get my money back which I did in person at the bank the bank XXXX Bank of America XXXX said that the chances of me getting my money back was slim to none. Now I see news articles that the banks are supposed to be refunding these monies. Apparently Bank of America knew that the scammers had their phone number but never notified their customers if this fact

Company response to consumer: In progress
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, DC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2019-01-13
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: AZ
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:
on XX/XX/2023 I sent a dispute to experian regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.

Company response to consumer: In progress
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We always pay off our full balance every month to avoid incurring interest charges. 

We were offered a 0.00 % interest rate for XXXX year on a balance transfer, which I accepted by phone. 

During the call, the agent played XXXX disclosures for me to accept. XXXX of these disclosures stated that payments made would first be applied to whichever transactions carried the highest interest ( which, in our case, would be purchases ) and any remaining amount of the payment would then be applied to lower interest transactions ( in our case, the 0.00 % balance transfer ). 

Last month 's statement was the first statement showing the balance transfer of {$10000.00} plus the transfer fee of {$310.00}, along with purchases in the amount of {$9500.00}. In order to avoid paying interest, we made a payment before the due date of XXXX which would cover all the purchases, with an additional {$1000.00} to go towards the balance transfer and transfer fee. 

This month, we were charged {$100.00} interest on those purchases. 

When I called to inquire about this, and have the interest charge reversed, I was told that if we make any purchases while we have a transferred balance, we would accrue interest immediately on those purchases. I have never heard of any credit card doing this, and it was not clear to me in the disclosures that this would be the case. 

I remember at the time of accepting the offer that this disclosure was confusing, so I asked the agent on the phone to help clarify it for me. It seemed she was not willing to go off-script, and she merely replayed the disclosure instead of directly answering my questions. 

Not imagining that the terms of the credit card agreement would be changed to start charging interest on purchases that are paid off before the due date, simply by accepting a balance-transfer offer, I assumed that the portion of the disclosure which mentioned payments being applied to the highest-interest transaction first meant that we would not be paying interest on purchases that are paid off before the due date. 

I feel that this was all very deceptive and deliberately vague and confusing.

Company response to consumer: In progress
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed 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 non-monetary relief
Consumer complaint received 2023-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is in reference to a promotional offer which we accepted. The offer was for free interest for one year on a balance transfer. 

However, after accepting the offer, we noticed that we had been charged interest on our purchases although we paid off all the purchases in full by the statement due date. 

After not being able to get the issue resolved with the credit card company ( Bank of America ), I filed a complaint with CFPB. 

Shortly afterwards, I received a voice mail from Bank of America 's Regulatory Complaints department telling me the issue had been resolved and I would be receiving an email confirming this. 

It is now a month later, I haven't received the aforementioned email or any other communications from Bank of America, and I've been charged another interest fee for purchases although we've paid off all purchases in full before the statement due date. 

This is not what was stated in the terms of the card, and it was not indicated in the terms of the balance transfer offer that the card terms would be changing. This is a poison pill tactic which feels very deceptive, underhanded, and predatory.

Company response to consumer: In progress
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 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 XX/XX/XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my XXXX report and Transunion report that belongs to my father. I would like this to be removed. It has been removed from my XXXX 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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX/DOFED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history

Company response to consumer: In progress