BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Reference closed CFPB case XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, Truist Bank that was a response to the above case. 

Today, XX/XX/XXXX, I had a productive telephone conversation with XXXX XXXX concerning her response letter. However, as there were several issues, still unresolved, XXXX XXXX suggested that I file a new CFPB complaint so that these issues could be addressed by Truist Bank. 

The following are the issues identified in our telephone conversation : 1. Truist records indicate that my account address was updated on XX/XX/XXXX. 
I did not initiate this update on XX/XX/XXXX. I changed my account address in early XX/XX/XXXX and have two Truist Bank statements mailed to me at my new address for XXXX and XX/XX/XXXX to show that change. XXXX XXXX was unable to identify the Truist employee who made this address change on XX/XX/XXXX. 

2. I have had a XXXX dollar return statement fee charged to my account each month since XXXX, XXXX, even though I changed my statement preference from mail to electronic notification in XXXX, XXXX. 

XXXX. The return statement fee appears on my account approximately two days after the statement has been mailed by Truist Bank. This is not enough time for the letter to reach its destination, be determined undeliverable, and returned to Truist Bank and posted to my account. 

XXXX. If possible, it would help if Truist Bank were to flag my account and keep the returned bank statement in XX/XX/XXXX to see what the problem is with the address. They do not have any pictures of returned statements for XX/XX/XXXX through XX/XX/XXXX. 

XXXX. I spoke with my mail carrier and he stated there is no problem with my current address and knows of no action that I or the post office can take to identifier why the statement is being returned to Truist. 

XXXX XXXX requested that if a different client resolution specialist is assigned this case that the specialist reach out to her for background information. 

Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLCXXXX Transunion has not done a proper investigation according to the standards of the FCRA XXXX I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet XXXX XXXX Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of XXXX 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX Certified Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. 

This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. LVNV account has already been removed from XXXX and XXXX. This account does not comply with XXXX XXXX compliance and legally can not be reported.

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 2023-10-07
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: Information belongs to someone else

Complaint:
This is the numerous time I've mentioned being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX # : XXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX # XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX XXXXXXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting I of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. This account does not comply with XXXX XXXX XXXX XXXX  and can legally not be reported. 

This account was deleted from XXXX due to inaccurate and incomplete information.I have attached exhibits below to show proof.

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 2023-10-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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 was informed by XXXX XXXX that my credit score had dropped by XXXX points on XX/XX/, per XXXX Credit Reporting. I checked to see if someone had opened new accounts under my name or maxed out my credit cards but neither thing had occurred. My credit/debt ratio and utilization of OVERALL credit hadn't changed, the amount was relatively the same as it had been the previous month. In fact, with my paying down my car loan by {$300.00} the previous month, my credit score should have improved. 

I tried to reach out to XXXX and the only " Consumer Service '' they offer is a free copy of the credit report. There is no customer assistance available by phone or on their website for the customer to find out why their credit score would have a precipitous drop, and there is no mechanism to dispute the drop. XXXX 's drop of my credit score was mimicked by Equifax within 2 days. The XXXX point drop affects my car insurance rate and will have other cascading effects that are costly and deleterious. 

I believe there was an error in XXXX 's algorithm because there is no reason why my score went down. I request that XXXX check for system errors regarding my account specifically. If there is a reason for the drop in my credit score, I request to know the reason. XXXX should also advise me of any appeals process available to dispute dramatic changes in credit scores. They need to provide transparency to consumers on what formula they are using to determine credit scores. It's obviously no longer based just on debt/credit ratio and timeliness of payments on accounts over time, because my score would be XXXX points more if those were the only criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: NV
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
XXXX, XXXX contacted Equifax about not being able to access their website using my user ID and Password. I was advised that Equifax required XXXX  Product Users to purchase XXXX XXXX Search Engine to access Consumers Credit report online. I had attempted to access my credit information due to errors that Equifax had made, inclusive of no credit updates to my report in over a year. I was advised about the need to purchase XXXX XXXX by the Equifax employee I was speaking with. This is an unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-10-24
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My partner and I have taken action to get both of us on the Federal No Contact list. This has been for any mail that is promotion, advertising, telemarketing, etc. We have paid {$2.00} each through USA.Gov ( on XX/XX/2022 ) and have gone onto multiple websites to take care of this. We have received credit card mail from XXXX multiple times since taking ourselves off of the mail lists. I've spoken with them about this on XXXX and on XXXX ( after receiving mail on both of these dates ), where I was told that I need to wait six weeks to be taken off of the list completely. I still received mail from them on XXXX and XXXX. At this point, it has obviously been more than XXXX weeks. I have spent too much time on following up on this just to be disrespected and continuously reached out to. I have spent hours calling and complaining about still receiving mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 : {$18000.00} ; XXXX  XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$8700.00} ; XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-29
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: Personal information incorrect

Complaint:
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 1. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) these two address are NOT REPORTING " current/accurate '' XXXX XXXX XXXX XXXX, MI XXXX and XXXX XXXX XXXX XXXX XXXX Mi XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 

3. ) these two phone numbers are reporting inaccurate XXXX INACCURATE XXXX INACCURATE I have disputed the actions above 3times explaining the reason why i am disputing, what i am disputing and i also sent a copy of my Identification and social security card. Each time they sent a letter back requesting i provide what i am disputing and why. i have attached the last letter I've sent them, the return letter from XXXXXXXX XXXX  and my Identification i sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and XXXX XXXX XXXX. # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 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 2023-01-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2018-06-01
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medial treatment done XX/XX/XXXX and Hospital claims I had no medical insurance. Went to Urgent care earlier that same day and that claim was processed XX/XX/XXXX per Urgent care office. I received a letter from AR Resources showing debt went to collection. Did not received letter from Original creditor, who was XXXX XXXX XXXX XXXX, XXXX. AR Resources placed collection on credit XX/XX/XXXX for {$710.00} and {$51.00} separately. the {$51.00} debt was paid through Insurance claim XX/XX/XXXX. The {$710.00} was paid per Healthare provider. The original creditor never processed claim, stating I had no Insurance and per new rules on Medical debt, must be 6 month prior to sending to collections. Collections placed XX/XX/XXXX. I've disputed this in XX/XX/XXXX. XXXX has also stated per phone call that it was procedded through claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please immediately remove my incorrect name and date of birth. 

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