BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$2100.00}

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 2023-08-14
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/2021, I was involved in a small incident in a parking lot where I was backing up and slightly scratched someones bumper and it is appearing on your guises website as an accident it was not a moving accident it was a parked vehicle I was backing up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 Truist ( LightStream ) opened a Credit Card Account in my name with my SSN, fraudulently. I never authorized or applied for that credit card account. The balance is over {$15.00}, XXXX. This violated my consumer rights as they issued credit in my name without my authorization or consent. I have credit freezes and fraud alerts on all three on my major credit reporting agency accounts - no new credit should be able to be issued in my name. 

On XX/XX/2023, I was notified by a credit monitoring service that someone was applying for credit in my name at LightStream. I immediately called their call center for fraud. They were able to positively identify me with my SSN, name, DOB. I told them that someone was trying to open an account in my name. I told them this was fraud. They were able to locate the account, and verified that someone had used a Fraudulent phone, email, and home address to open a credit application. They said they would flag the application as fraud and close it- but they never did. This also violated my rights as a consumer, as when I notified them ( LightStream/Truist ) that this was a fraudulent application, and they positively Identified me, after I told them this was fraud and wanted this application closed, they never closed it- thus exposing me to the risk of credit card fraud. 

The account opened XX/XX/XXXX. 2023 is a direct result of them not closing the fraudulent application for credit, of which I notified them on XX/XX/2023. 

This is abusive, reckless, and fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXXXXXX : Has not provided any documentation on when they say the account was late 3 times. I completely contest that. This account needs to be updated to NEVER LATE. 

XXXX XXXX XXXX : The account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. The payment status reflects 30 days late with XXXX and XXXX when the account is paid in full. It reflects current with Equifax. The dates of last payment are wrong - Equifax reports XX/XX/23, XXXX and XXXX report XX/XX/23. XXXX and XXXX  report XXXX as 30 days late, but current with Equifax. Equifax reports XXXX as 20 days late, but current with equifax. This account is filled with errors and none of them have been fixed! 

XXXX XXXX XXXX : This account has been disputed on XX/XX/23, XX/XX/23, and XX/XX/23. Nothing has been fixed. XXXX reports XXXX as 30 days late, but other two bureaus havbe current. XXXX reports XXXX as 30 days late, but current with other 2 bureaus. Equifax reports XXXX as 30 days late, but current with other two bureaus. The payment history is completely inaccurate. It needs to be updated to NEVER late immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-12-12
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two checking account with TD bank, and one of checking account got fraud transactions then we reported to the bank and after the issue been resolve, I closed this checking account. So I am using the other checking with no fraud transactions one. After one month, this normal checking has been freeze by the TD bank. and they were saying it is under the same name with prior account, previously the fraud transaction was someone trying to deposit the check in ATM which is not belong to themselves. BUT they had my debit card PIN, so the bank was consider that is me. now TD was freeze my account completely, I can deposit but no withdraw and they block all the online banking for me. I am retired women I need the the money to live. now they freeze all my account completely I don't know what to do. I don't really know how did they get my PIN, but the PIN only ME knows, nobody else. I am also a victim in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: MN
Product: Credit 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:
Prepaid for a XXXX car rental thru XXXX XXXX ( XXXX XXXX XXXX XXXX with XXXX ( reservation # XXXX ). 2 days into car rental, it broke and had to be towed away. XXXX did not provide a suitable alternative and we had to rent another car from a different agency. XXXX says we need to talk with XXXX XXXX and XXXX XXXX says we need to talk with XXXX. Nobody is helping so we disputed the charge. 

Spoke to a Citi dispute representative at beginning of XX/XX/2023 who said we need to provide proof of when the car broke and to request a partial refund because we did have it for 2 days. I sent all requested documents and Citi denied the claim saying I now need to provide proof of for the refund I will be getting. This makes no sense because I would not have disputed this if there was any communication of a refund.

It it is clear Citi 's policies are for merchandise only. You got the merchandise or didn't get the merchandise. In my case for Citi I had the car so there is no dispute even though it was for 2 out of 8 days. They have no policies to deal with partial services and care nothing to help resolve them. Their only concern is making the vendors they pay happy. I was instructed what to, followed it, and then as a result of following their instructions was told there is no dispute with out showing proof of a refund. This is a deceptive practice instructing a customer what they need and then using it against them. In my case it was telling them I had the car for 2 days and wanting partial refund. They don't do partial refunds or advocate in anyway for services partly provided. I need either a partial refund of {$390.00} ( 5 days not used ) or the full refund of {$620.00}.

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 monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: GA
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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:
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 these items. Your failure to positively verify these accounts and inquiries 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 2023-08-14
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am responding to your recent correspondence received on XX/XX/2023 in regards to American Express Company Credit Card # XXXX. The document you sent me ( which I have attached ) shows 1099-c cancellation of debit Copy B for debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit 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:
Filed a claim with Bank of America for unauthorized atm withdrawals on credit card. Claim was denied and when I asked for documentation I did not receive any. Filed police report. Total amount {$1000.00}. Withdraws made in XX/XX/2023.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
On my report I saw an account of over {$700.00} dollars and I did not authorize! It doesnt even have my name on it anywhere! The address on it isnt even mine?!! Still all XXXX does is update it! I want it removed, it is not my account but XXXX wont listen! It has financially XXXX me from going to college because of higher interest rates! My score was above XXXX when they added this account and whoever owns it didnt pay so now I have no payments! Wrong!!!!

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed on my credit report inquiries that i have no knowledge of. The following inquiries are : XXXX XXXX XX/XX/XXXX, XXXX XXXX & XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I was advised to file complaint with you for a removal of these 11 items.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transunion is in fact still reporting inaccurate information on your TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I already summit a complain because i paid off my credit card with Bank of America, some one contacted me and told me that i have to paid now the interest rate for XXXX moth i did when on the app show to me other amount and i paid on XXXX, i want a certification from Bank of America that said that i paid off my credit card and no more extra charges, also i want to report that to XXXX and XXXX Credit Card Number 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 monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from XXXX. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX died in XX/XX/2019. I need to verify the income received for XXXX XXXX in her personal capacity, as well as the Estate of XXXX XXXX. I can not do this without having those records from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage loan was serviced by service XXXX and they sold the loan. I received a letter from freedom mortgage on XX/XX/XXXX stating that they are my new mortgage servicer as of XXXX XXXX, and that I no longer make my payments to them as of XXXX XXXX. I paid my XXXX payment to XXXX Mortgage as the letter stated. XXXX XXXX is reporting my account as delinquent when they are no longer my servicer. I believe the company is doing fraud they are harassing me stating I owe them for XX/XX/XXXX and now the month of XX/XX/XXXX when my loan is no longer with that company. They will not respond to me and only states that my loan hasnt been transferred when it has and I have been paying the new company. I am very frustrated because they are harassing me for payment and reporting late payments on my credit when my loan was transferred.

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