BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
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:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
accordance with the Fair credit report accordance with the Fair credit report account # XXXX, XXXX funding # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights according to 15 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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.

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 2022-01-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They weren't applying payments in the manner they publish that coincides with the Credit Card Act. Rather than look at and fix the problem, they just kept telling me they were following the rules and attached them. Yet it shows in black & white they did not! They would not fix it. I tried many ways and became so frustrated I closed the account. I submitted complaints. The company responded saying they didn't do anything wrong and posted the rules AGAIN. Yet they didn't follow the rules! Hello! Is anybody listening? 

" balances that are at the same APR will be paid in the order of their expiration dates '' yet they paid my XX/XX/22 balance vs my XX/XX/22 balance. 

I have excellent credit and know it will be affected by closing the account. 
What is happening? Why is this company acting so strange all of the sudden? My concern is for others. This should be investigated.

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 2022-01-27
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have made countless calls to Truist 's customer service resulted in calls of 30 minutes or more only to have the call drop and no call back from the representative. I ordered a debit card and received the letter with the pin number but no card and going on 3 weeks now I have not received it. 

I called customer service in an attempt to access my online banking and was told I have to fax my request. I need to access 5 years of records in order to qualify for Elder Care coverage and am unable to get any assistance from my bank. 

I have no access to my funds or my statements and the bank has charged me for 3 months of statements which they have not sent. My monthly social security check goes into my checking account and I need to pay for rental expenses. 

Can you please assist me?

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 2021-03-03
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XX/XX/XXXX, a letter was received by mail from a Debt Collector agency under the name KIMBALL , TIREY & ST. JOHN LLP. The letter is a demand for debt supposedly owed from the original creditor of " XXXX XXXX XXXX, XXXX XXXX, CA XXXX ''. On XXXX XX/XX/XXXX at approximately XXXX XXXX., I received a threatening phone call from the from the debt collecting agency in regards to the debt that is being mentioned on the letter that was sent by mail. The debt collecting agency presented in a threatening manner along with intimidation tactics that the if the debt is not paid then they will pursue legal proceedings and to include arrest due to the substantial amount of the debt that they are attempting to collect from the original creditor. 

Please be advised that the following unsubstantial debt has no basis to any legal claims due to the landlords violation of allowing illegal activities on the premise that created problems to the law-abiding tenants. The landlord ignored the plea from the tenant who requested reasonable solutions and accommodations for the safety of his family and other tenants due to the on-going criminal activities. Due to unsafe condition, my family and I were forced to vacate to another location and in result filed a police report to the XXXX XXXX Police Department ( Case # XXXX dated : XXXX XX/XX/XXXX XXXX. 

The landlord ( s ) failed to take reasonable steps to prevent the crime and reasonable steps to address the reasonable request for safety that the tenant presented during the residency period in result that a tenant suffered an assault due to the crime that occurred within the premise. 

The landlord has presented themselves to be crime-tolerant and ignored the reasonable request for a safe and healthy living condition. Furthermore, both the creditor ( landlord ) and the debt collector has engaged in intimidation tactics to collect the unsubstantial debt in which the tenant and his family did not ask for. There must be a way to protect us law-abiding citizens from such unlawful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed 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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In my previous complaint ( ID FOR COMPLAINT SENT TO TRANSUNION : XXXX ), TransUnion failed to prove the accuracy of its investigating and its reporting of the Chapter XXXX bankruptcy information on my credit report. 
TransUnion failed to fix the problem because it did not delete ALL of the bankruptcy information it is reporting on my credit report. 
1 ) Pursuant to FCRA, Section 611, a credit bureau must directly provide the date, and name of the person at the court with whom TransUnion verified the Chapter XXXX bankruptcy information reported on my credit report. 
2 ) In its response, to the 2017 complaint number XXXX, TransUnion stated, we do not provide dispute verification responses received from creditors or court records. 
3 ) TransUnion DID NOT satisfy the requirements of FCRA, Section 611.

4 ) Therefore, TransUnion DOES NOT HAVE the LEGAL RIGHT to REPORT A CHAPTER XXXX BANKRUPTCY on my credit report. 
5 ) Pursuant to FCRA 611, TransUnion MUST DELETE such information from my credit report if it can not satisfy the procedural requirements of FCRA 611.

6 ) In this complaint, TransUnion must provide detailed verification information to support the accuracy of the Chapter XXXX it is currently reporting on my credit report. 
7 ) OR ELSE, TransUnion MUST IMMEDIATELY DELETE any BANKRUPTCY INFORMATION that it is 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or 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 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 2023-04-03
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
On XX/XX/XXXX I paid US Bank {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted US Bank today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling US Bank I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that US bank sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with US Bank as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: TN
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 recently sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal.

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 2022-01-26
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
After speaking with continental finance about my issues I am having I have received several calls of harassment within minutes of each other. I called back the number showing in my caller id and confirmed who was calling... ..the cards is surge. And I have gotten usually 25 calls within 2 minutes two or three times a day everyday .the number calling me shows as a local number 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 2021-01-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I WAS IXXXX OF THE TIME OF THESE STUDENT LOANS AND CREDIT BUREAU KEEPS SAYING ACCOUNT IS VERFIED I ASKED THEM HOW DID THEY VERFIY IT AND NO REPLY FROM EXPERIAN U S DEPT OF ED/XXXX/XXXX Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Education Loan Balance on XX/XX/XXXX {$3400.00} U S DEPT OF ED/XXXX/XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$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 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for 9800.00. giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. 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 2022-01-26
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
eos cca XXXX XXXX XXXX XXXX, ma XXXX XXXX this company i already paid off but still on showing balance account number XXXX creditor name XXXX century link

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
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: Their investigation did not fix an error on your report

Complaint:
I am having an issue with XXXX XXXX credit card. They are reporting inaccurate information to the credit bureaus. I am applying for a mortgage. Had a 3 way call with XXXX. The balance on my report is over XXXX XXXX  was verifying my account on a recorded line. They stated that there is a contract agreement between us. In which my balance at that time was XXXX. The contract I was to pay XXXX in XXXX by the XXXX. In which they got on the XX/XX/XXXX. They stated that from XX/XX/XXXX to XX/XX/XXXX was 30 days late. Then told XXXX  that from XX/XX/XXXX to XX/XX/XXXX that was a late payment. Even though it was not 30 days and the agreement was started on XX/XX/XXXX. They then marked all there bureaus late 30 days. They then for XXXX marked me 60 days late even though they got both payments. One for the XXXX and XXXX payment that is according to the contract. They in fact told XXXX  that my balance at that time was XXXX but stated the credit bureaus will not be updated to reflect the current balance which was lower then the current amount. The lady from XXXX  XXXX got upset talked to her supervisor about the account. Acted like they had no idea who XXXX  was and at one point tried to lie and stated even though there is a contract they do not have to update the credit reports. I stated on the recorded line so you are refusing to update my credit report to show the real balance they stated we don't update the account to show that unless the balance is paid fully. XXXX  stated that according to the fdcpa and fcra they must report accurate information. The person on the phone was refusing to deal with XXXX. So after we hung up I filed a report with them for fraud. They removed it and sent a message to XXXX  and Transunion. So XXXX  and XXXX  removed it. But Transunion is refusing to remove it even though XXXX  sent that message and told them they are not providing accurate information and they should remove that account as they and XXXX did. They are still on Transunion and I can not get them to remove the account nor have them update the account according to the payment that was agreement. XXXX  stated if I get an attorney they would be able to request the phone recording. Stated they should not be on my report. But because of the late payments they posted even after the agreement the credit score is being ruined and I am now unable to get a loan. The XXXX payment is not due till XX/XX/XXXX and I paid it early but they still reported me as late and my score keeps being damaged.

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 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation