BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have sent in the necessary documents to Transunion credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today XX/XX/XXXX XXXX XXXX  ET, that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Transunion 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. 

Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have disputed the XXXX XXXX XXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.

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 2023-04-28
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: Investigation took more than 30 days

Complaint:
I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXX The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no response

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 2019-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have been Citizens Bank customer since XXXX, when it was XXXX XXXX, when I was living in XXXX for 13 years. I moved to XXXX in XXXX. I still kept my Citizens Bank accounts open. 

On XX/XX/XXXX, I was contacted by Ms. XXXX, a CSR at XXXX XXXX XXXX branch and notified me of {$9.00} charges against my account. Not sure when but a long time ago I maintained required {$1500.00} balance to avoid account service charges. And I believe at that time I also signed up for the electronic statements. Until then I used to get account statements as well as reactivation of the dormant account forms via physical mail. Since activating electronic statements, the system stopped sending me dormancy status mails via physical as well as electronic means. It looks like there was a charge against the account for dormancy status and was levied against the account thereby reducing the required balance below {$1500.00} mark. That triggered charging {$9.00} each month until now. This has totaled to around {$800.00} charged against my account. 

In XX/XX/XXXX I obtained a student loan for {$90000.00} for my daughter at Citizens. At that time I was told that I will be an active account holder for all my accounts. I did not know that my account has been levied the account service charges in past as well as in continuum. It is interesting that after the dormancy status, the consequent service charges were taken as activity in the account further remedying dormancy. I am not sure why a non-voluntary activity such as auto-debiting {$9.00} per month will avoid dormancy status. 

When I complained, the supervisor was kind enough to give me 6 months of service credit. He sympathized about my situation that I had no way of knowing of dormancy status and the subsequent charges, however he was not able to further help and directed me to write to the office of the chairman. 

On XX/XX/XXXX I sent a letter to the chairman 's office and I got a call on XX/XX/XXXX. The rep from chairman 's office was willing to give extra 3 months of service charge credit, while I was asking for all of the service charge refund. She stated that not sending the dormancy letter by physical mail is not bank 's error. Otherwise if it was bank 's error then they have a policy to refund completely. With not getting a resolution of this matter after escalating it to the highest point I could go, I am contacting CFPB to look in to this matter. I am sure there may be more such cases with Citizen 's Bank. 

For now I have replenished the balance back to above {$1500.00} in my account. Please reach out to me on my cell phone so I can further discuss this matter with you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : $ {$11000.00} XXXX XXXX  XX/XX/2022

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2019-01-25
Company: Experian Information Solutions 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:
On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking  account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX  to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
According to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 B ), these inquiries appear to lack a permissible purpose on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand the importance of maintaining accurate and fair credit reporting, and I am reaching out to request your prompt assistance in rectifying this matter

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1600.00}.

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 2022-06-19
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-12-08
Company: EQUIFAX, INC.
State: NC
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 appreciate your assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX Balance : {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: OH
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 writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS XXXX : # XXXX  # XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent a MoneyGram order to my cousin in XXXX for his medical bills. On XX/XX/XXXX, he went to 5 different MoneyGram locations to retrieve the money sent and all the agents told him that he can not retrieve the full amount. I called MoneyGram on XX/XX/XXXX, to try to resolve this issue. I was told that they would have to cancel the transaction but I would be loosing my service fee of {$14.00}. I explained to the the issue was not on my end but on their end and I was not told that there was a limit to the amount that I would be able to send. They told me that they couldnt refund me my service fee. I just want the entire amount back. Ive already lost {$60.00} in transportation fees to have my cousin go to 5 different locations. We have been giving the run around and I feel I have been scammed and violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: HI
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:
This represents my 2nd communication via CFPB in which I am addressing the matter of inaccurate and misleading data present within my credit report. As previously communicated in my dispute dated XX/XX/2023, I stressed the negative consequences of having an erroneous credit profile, which has resulted in repeated rejections from potential employers during my job applications. The current circumstances have left me deeply concerned, as securing employment promptly is of utmost importance to prevent undue hardships for my family. What is particularly frustrating is that your inaccurate credit reporting not only impacts my financial standing but also severely diminishes my overall quality of life.

Company response to consumer: Closed with explanation