BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$1700.00} 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 an 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 2023-03-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, XXXX and Transunion. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana 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 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I received a promo mail from Truist. The piece of mail invites me to create a checking account with them and get {$400.00} if I qualify. The offer is for someone who received direct communication from Truist ( for me via mail ), someone who has never had a Truist account ( I never did ), open an account between XX/XX/XXXX through XX/XX/XXXX, and to set up a direct deposit totaling {$1000.00} within 90 days of opening account. I did all of those and added the promo code to my account. I opened an account on XX/XX/XXXX, set up direct deposits through my employer ( XXXX direct deposits of {$500.00} each during month of XXXX ). I called Truist on XX/XX/XXXX to see if I met the requirements. The rep said yes and I will get {$400.00} bonus in XXXX weeks. On XX/XX/XXXX, I received an email saying I did not earn the bonus as I didnt meet requirements for offer. I was confused because the promo mail ( attached ) clearly states in 3 steps what I need to do and the fine print highlights the offer eligibility. Very misleading. Plus no explanations of how I didnt meet the requirements. I told my husband before all of this that we might make Truist our joint checking account. But after this deceitful promotion. Im not recommending Truist to anyone I know and Im closing my account as soon as my last direct deposit hits. My first experience with Truist was terrible.

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 2020-12-21
Company: TrueAccord Corp.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
true accord fraudulently open a credit card account in my name, set up online banking to true accord, and utilized the card without my knowledge until i tried to refinance my house and i received a email from XXXX @ support true accord, stating the balance, and they was no longer collecting the balance on the account and that they forward the account back to XXXX XXXX, which i never applied and used the card at all..but i was informed from my credit report about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
State: MI
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:
On XX/XX/2021 an individual, thru identity theft took out a CITI Bank credit card in my name. They had my correct address, an old phone number and my SS number. 

I have put a fraud alert on my credit report and have called CITI Bank. CITI Bank has instructed me that the card has been canceled. They also told me that I'm a victim of ID theft. I will be contacting their ID protection department tomorrow.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ACCT # XXXX / XXXX Date Opened : XX/XX/2020 / XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

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 2022-06-04
Company: Senex Services Corp.
State: MO
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:
In XX/XX/XXXX I received a bill from a different debt collector on an old account already on my credit report from XX/XX/XXXX. I looked up the account numbers provided and it was a different medical service, date and XXXX balance. I checked my insurance exclamation of benefits and they paid the claim on that account number and date of service.. They also had my old last name on the letter which changed XXXX years ago, XXXX  years before the date of claimed charges. The letter said I could dispute it if I thought it was inaccurate, in writing, with a signature. There wasn't anything I could tear off and mail back so I wrote it directly on the front of the letter and mailed back the next day. I stated that the information was inaccurate and I need more information sent to me. That the account numbers, services, and dates didn't add up.The total they said I owed was {$110.00} but the XXXX accounts they claimed I owed didn't add up to that amount. I didn't make a copy of the letter sent from the collector. I wrote on it and mailed it back fully expecting to get something back soon. I never recieved anything. Instead within 2 weeks it was reported on my XXXX score for the second time. I have no proof of what is claimed I owe. 
The original collector was account resolutions. I didn't know that I could request proof of claimed responsibility so I never did from them. I only learned of the laws on this when they said in the letter that I could request it, then never recieved it and it was immediately reported to my credit report. 
This collector not providing me information is Senex Services. 
Since I don't have the letter with the information claimed, I don't remember the account numbers they provided. I had XXXX in XXXX and went to the doctor many times and had many account numbers on my account at that hospital facility so it would be impossible for me to recall.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello US Bank, i filed a fraud claim on XX/XX/XXXX for MULTIPLE ATM Transactions on my debit card ending in XXXX. EVERY ATM WITHDRAWAL IN MY CHECKING ACCOUNT IS UNAUTHORIZED. 

Total Transactions : XXXX. 

The total amount stolen out of my account via ATM Fraud was over {$2800.00}. I have my new card number and stuff already coming to me in the mail.

Im not sure if every atm transaction was included in my fraud claim because i only received {$1600.00} back in Provisional Credit, i still havent gotten all my money returned to me and im not sure whats going on

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: 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 information incorrect

Complaint:
Trans union. XXXX XXXX were all sent letters on XX/XX//2023 from me specifically asking that all old addresses improper collection information and information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law

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 2022-11-26
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Sent XXXX on XX/XX/XXXX and the website informed me the money would be available to the recipient on XX/XX/XXXX. I filed a complaint with paypal and the website informed me that my complaint would be responded to by XX/XX/XXXX. See attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 got an alert from my bank stating that my score went down when I checked my report I found 2 fraudulent accounts on my report the first one was XXXX XXXX XXXX with a balance of XXXX the second was XXXX with a balance of XXXX also there is a hard inquiry from XXXX that should be removed

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 2023-06-21
Company: EQUIFAX, INC.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I are trying to buy a home. Our lender has been working with us diligently and patiently. However, calling Equifax has been frustrating and time-consuming. I have called on numerous occasions to have someone fix my account as I am not able to lift my security freeze. The ongoing calls have been a month going on two months consecutively. 

On XX/XX/XXXX, I called back to Equifax to get my security freeze lifted. I provided all the pertinent information and explain the problem. When I log onto my.equifax.com, tab on manage my freeze, put in the dates I wish to temporarily lift the freeze, it gives me an error message asking me to call Equifax. This is how I know it is STILL not fixed after months of calling. ( See attachment for error ). The first representative by the name of XXXX, ID # XXXX, during the phone call, he stated the problem was fixed but he could not send me a confirmation number. I questioned his resolution of fixing the problem, but he could not provide an answer. Then, hung up and called my lender to inform the problem was fixed. My lender in-turned stated the problem was not fixed. Call back the second time, spoke to a representative name XXXX, ID # XXXX, stated the problem will be addressed and she placed me on hold for XXXX minutes. She came back and stated someone in Consumer affairs by the name of XXXX will fix the problem. I asked if she could transfer me to that department to speak with XXXX to make sure this is taken care of. She said she could not. I asked for a supervisor. A man by the name of XXXX, ID # XXXX stated he was a supervisor. I told him the issue, and he stated he see the problem but couldn't fix it. I told him this is unacceptable. The purpose of having a security freeze is for consumers to have control of their credit to prevent fraud from outsiders. However, I could not access my own account. He transferred me to someone else by the name of XXXX that says he is in Consumer Affairs. He provided a case # XXXX. I have been giving case numbers after case numbers and my account is still not rectified. This need to be escalated and corrected ASAP as this has held up our life pursuing a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. Account name : # 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 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: 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2019-01-08
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete remove these incorrect numbers below. 
The following numbers are not mine 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