BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by TransUnion, XXXX, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX  ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, 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 2021-04-05
Company: EQUIFAX, 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 status incorrect

Complaint:
See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MI
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:
Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX  Bankruptcy ''. 

XXXX and Equifax have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I sent a payment via CASH App to a party for work completed in the amount of {$25.00}. On XX/XX/23 an unauthorized payment was made of {$50.00} to the same party and I immediately notified cash app of the fraudulent charges. I have since sent XXXX complaints regarding the fraudulent charges and marked the user as a scammer and nothing has been done. I called customer service on XX/XX/23, where I was prompted to ask the scammer for a refund, which I had already done. The scammer party declined my request for refund. After explaining this to customer service, she literally said, " I told you how to fix this '' and then hung up on me. I filed yet another complaint on the fraudulent charge of {$50.00} and every time I attempt to resolve the issue, customer service does absolutely nothing and the scammer continues to scam people. Cash App is by far the worst system I have ever dealt with in sending and receiving money and they need to be eliminated as an option since they clearly can't keep users safe and do nothing to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote XXXX, XXXX and Transunion to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote XXXX, XXXX and Transunion to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, Transunion and XXXX are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, XXXX, Transunion, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my 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 2022-04-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX of XX/XX/2022, I made a swift transfer from my XXXX XXXX  account on wise.com with a wrong amount : XXXX USD ( instead of XXXX USD ). 
The transaction has passed and recipient has received the money on XXXX XXXX. 

I've asked the recipient for return. Recipient said he couldn't confirm my identity because the transfer is international and can only execute the return if it comes through intermediate bank. So, recipient needs to receive a " Request for Cancellation '' from wise.com 's bank. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I contacted wise.com on XXXX XXXX and tried to negotiate " Request for Cancellantion ''. Wise denied me the request to quoting its Customer Service Agreement : XXXX You must ensure the information you provide to us is correct. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake. 

I don't see it as a reason to deny " Request for Cancellation '' because it is a common practice for swift payments. 
Is there any law that enforces wise.com to send the request? 

Bank Name : XXXX XXXX  and Trust Wise Address in the US : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States Wise 's Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was notified from a credit unit on XX/XX/XXXX that Bank of America was showing a past due charge and unpaid balance on a closed account Acct # ending XXXX. The account had been closed and Bank of America Charged an annual fee on a closed account. Then reported it to the credit agency and in XX/XX/XXXX XXXX other companies lowered credit limits on other credit cards to the current balance, it affected my credit score from XXXX to XXXX. I have spoken to Bank of America on XX/XX/XXXX and they agreed that they had made the mistake and I should get notification 2-3 weeks in writing. As of this date they have removed the annual fee charge however they have not made any effort in correcting the credit reporting error.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX  and XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My savings account with XXXX bank was taken over by Citizens bank earlier this year. 
I never really used this account with XXXX, and paid no monthly fees. Citizens has assigned my account to a " One Deposit '' account with a XXXX monthly maintenance fee. 
I called Citizens Bank on XX/XX/2022 and requested account closure. I was assured I would receive a check in the mail for the very small balance left in my account, and once cashed, account would be closed. The customer service rep said that the account would remain open until I cashed the check. Made no sense to me but he insisted he was following procedure. Said I would receive the check with 10 days. I did not. 
I called again on XX/XX/XXXX, and this time the customer service rep said I'll receive a check in the next 5 days. I have no reason to believe this will happen based on the lack of knowledge portrayed by customer service, and I don't want to have to call again and wait forever on the line. I just want to close this account. There are no Citizens Banks located in California, otherwise I'd go directly to the bank. There are no instructions on their website as to how to close an account. Chat service takes hours.I want to close this account before I start racking up monthly fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 602 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 crime 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 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 2023-05-16
Company: LEXISNEXIS
State: AL
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:
My identity was compromised with these companies.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and A lot of repeated inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There is invalid address on my report My correct address is XXXX XXXXXXXX XXXX  XXXX, al 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 2023-05-04
Company: Experian Information Solutions Inc.
State: AZ
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, 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 2022-02-04
Company: TRIAD FINANCIAL SERVICES, INC.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  being out of work in XX/XX/XXXX and only drawing two weeks of unemployment that wasnt even close enough to pay bills after XXXX struck my entire family. I feel behind on our home mortgage. The mortgage company has not been very helpful. I have been sending payments in as I can to not get further behind, not sure if there is deferments or not. I wasnt aware that things was so out of hand until, I check the Mail to only find a payment I had sent returned. Sad part about it is I had paid another that same morning that will soon be returned as well. The gentleman who has taken the account over has avoided our calls by all means, if you tell him thanks when hanging up, he says yep.. He talked down on me asking about my job when I had covid and my family had it. Guess he thought my job paid me, well they didnt but I guess thats hard for him to believe. He is real arrogant and just a smart butt and left us not knowing what we owed, no paperwork sent telling us and we are told hes the only person you can talk too! I spoke with him on XX/XX/22 briefly before disconnecting the call on him because of his uncalled for remarks after he more less told me he had tried calling but phone was disconnected and just excuses because he hadnt called. I have proof of my phone not being disconnected. He pretty much through a # at me about whats owed and didnt even offer to break down the charges. I know that I dont owe that kind of amount for just the mortgage. The mortgage is only in this collection department but isnt originally financed through them but when contacting the originally lender, they wont tell you anything due to it being in legal. I mean does someone not need to send a certified letter or something to notify the borrower about all this. The collection advisor even smarted off and more less said to me before I disconnected the call, that normally they dont even return your call and made remark more less saying I was lucky he called me I had been calling for days. Another thing these companies dont understand is they need to leave me a voicemail. My job doesnt allow use of phones during work. I work a dangerous job. 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 I drive 1hour 45 minutes each way to work. I leave home at XXXXam to go to work by XXXX am.. & get home at XXXXpm. These people arent even in office at that time. By no means do I avoid anyone but I have a job and its not sitting at a desk to where I have phone access at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief