BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of 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 ; Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

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 2023-11-25
Company: EQUIFAX, INC.
State: GA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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:
Due to Equifax 's intentional and willful violation of the FCRA, I faced another serious damage i.e. rejection for a guarantor insurance for an apartment. I am attaching a copy of the email from the company named the Guarantors explaining that their decision to reject me was based on information they obtained from Equifax. In addition to contacting the CFPB to request Equifax delete the inaccurate accounts, I reached out to the Better Business Bureau and as recently as a few days ago, Equifax claimed they were doing an investigation. However it seems that Equifax is stalling as they have no intention of complying with the FCRA and deleting the inaccurate accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My money is guaranteed no matter the stipulation as long as its in my account, the depository is to guarantee this in all circumstances. Fractional banking ensures that the loss of all the funds wouldn't even sent the depository digital vault. CitiBank can easily cover the damage and go after the corporation on my behalf.. Government needs a division exclusively for this, FOR THE PEOPLE. The citibank hotline is trying to convince me that the 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  I am owed {$6200.00} in total for 3 charges from XXXX XXXX XXXX. XXXX XXXX. I received XXXX XXXX XXXX XXXX XXXX in XXXX at XXXX XXXX XXXX XXXX XXXX. The service was subpar and I wasn't allowed to get problems fi d Ed before leaving. The teeth line up improperly, are over sized, wobbling and met together in the wrong angles. All of which I have to get fixed again, all damages to my person. Fractional banking is being practiced and the XXXX charged to me by XXXX XXXX was unjust enrichment as they took XXXX in taxes and charged double for everything, as prices increased after I got there. I couldn't refund the payments until after I left or I would t have had any teeth, very frightening, as they stopped half way through and demanded more money. I had to reschedule my flight and hotel out of pocket, all the while being lied to and laughed at. Spent 5 days with temporary teeth, roots exposed, felt terrible or days once they XXXX  the teeth again.. I never had my last 2 appointments to fit the teeth properly and angle them back in my mouth,, I look like a beaver rabbit squirrel, I hate how long these teeth are and I said this many times while there, they forced their opinion as truth, I will never return to XXXX. It is a 3rd world mindset in this country, people mean less than Government and belongings. Most unprofessional place I have ever been to. I am owed my money back and then some for damages and injuries to my being. Nothing exists without my credit.

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 2023-05-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I opened two accounts with Citi Bank at the branch in XXXX XXXX, Illinois on XX/XX/XXXX in connection with a promotional offer from the bank. I deposited {$13000.00} in a Savings account and {$1500.00} in a Checking account. A personal banker ( I do not remember her name ) was assisting me to set up the account and XXXX XXXX ( Citi Gold Relationship Manager ) was overseeing the accounts at that time. In XX/XX/XXXX, after consulting with the same personal banker with whom I opened the account, I withdrew {$13000.00} from the Savings account. I was told that she would change the status of my checking account to avoid any monthly fees, and I only needed to keep a minimum balance of {$1500.00} in the account. I kept {$2000.00} in the account to avoid any monthly fees, which was more than the amount that was required. 

In XXXX XXXX I went back to the same branch for some new business transactions, and I found out that my account has only a balance of {$1100.00}. The bank had been charging bank fees of {$25.00} per month for the last three years. I was really shocked that the bank put my account to an inactive status and kept charging the fees. I was never received any notifications or communications by any method regarding this account, while bank continued to charge this exorbitant monthly fee for over three years. 

This is absolutely a bank error and the personal banker never changed the status of my account to avoid the fees as she promised. I am a victim of someones error, and I was robbed over {$1000.00} from my account. For your reference, Im attaching copies of the bank statements for XX/XX/XXXX and XXXX XXXX which was provided by the current local branch manager, XXXX XXXX. XXXX was able to refund {$200.00} of the fees ( because this was the highest amount within her authority level ), and I was told to contact the Retail Bank Executive Response Team for further assistance. Im requesting a refund of the remaining bank fees of approximately {$750.00} to my account. 

I contacted the bank and I was told they sent me two letters regarding the inactivity status of the bank account. I don't remember getting any of them and I normally get so many avertisement for credit card offer and I can't recollect any of their warning letters. I am not sure why the bank put my account in to an " inactivity '' status esspecially during the covid season and was charging {$25.00} every month for that reason. 
please help me to recoup the {$700.00} I lost for bank charges ; it makes no sense.

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 2022-03-22
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Leafy Financial, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a recent review of my credit report I noticed that I had a collection with Leafy Financial with an opened date of XX/XX/2023, in the amount of {$3700.00}. I have never spoke to anyone at Leafy Financial nor have I ever heard from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2023-08-08
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
My car loan was defaulted about 7 years ago. The company I defaulted with is XXXX XXXX XXXX. I missed my first payment XXXX of XXXX which was also reported to the credit bureau ( Equifax ). After that account was never brought current and was charged off. However, XXXX XXXX XXXX reports date of first Delinquency as XX/XX/XXXX, which is one year and 3 months after the original delinquency. 

I have unsuccessfully tried to contact XXXX XXXX XXXX directly multiple times to correct this error and have lodge multiple disputes with credit bureau. 

I want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, 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:
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.

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 non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, Transuinon, XXXX, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-06-15
Company: EQUIFAX, INC.
State: TX
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 XXXX has turned me into derogatory remarks due to the beginning of the loan they could not get their paperwork correct. I am being penalized because they are to cheap to have a computer program to control your autodraft payments. Once they got the issue corrected there was never a late payment. I was told several times since this is their clerical mistake they would not reflect late payments on my credit report. As you can see they lied.. corporations should be held to a high standees not a lie. My next complaints will be with the OCC, FDIC and other organizations I can find till I get this returned. I should not have to fight to get my loan company to accept the payment and set up autodraft. So many companies have it where you can adjust it, set it up and delete autodraft online. Had XXXX had this option this would not have been the issue. This is an intentional situation devised by XXXX TO REDUCE CREDIT SCORE AND MAKE REPORT LOOK UNFAVORABLE. However the new customer was denied this process. It was denied for a specific reason that they achieved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
my mortgage servicer  XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse    XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   )  the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.

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