BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I obtained a mortgage with Bank of America many years ago, I was told that I had to accept a credit card with it. I used that credit card on occasion but stopped using it a few years ago with about {$10000.00} on it. Sometime after that I received a letter that Bank of America was cancelling the card. I have been paying the balance off regularly over the past few years and now there is less than {$2000.00} on it. I always pay more than the minimum balance, how much more depends on other bills each month. I usually pay well before the due date on the bill, which is the XXXX of the month. In XXXX, 2021 I paid the bill due XX/XX/XXXX on XX/XX/XXXX. Then I paid the bill due XX/XX/XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they had not received a payment for XXXX. I called and explained that I had paid the XXXX payment on XX/XX/XXXX and was told that any payment received before the XXXX of the month was credited to that month and not the upcoming month. So I asked them to apply the payment they received on XX/XX/XXXX to the XXXX month, to remove the late payment fee, and to make sure that my account reflected that the payment was made on time. I was told they could not do that. Evidently they considered the problem to be my fault for sending the payment too early. I was told that the billing period of XX/XX/XXXX-XX/XX/XXXX was printed on the bill. It is, but it is not identified as the billing period, and nothing is there to indicate that paying before XX/XX/XXXX will cause this issue. There is a late payment warning and a total minimum payment warning, but no early payment warning. The only way they could rectify the problem was to refund that payment and then I could resubmit it. If that is really the case, then whoever set up their system either was supremely stupid, or did it on purpose to maximize fee collection. I was given no assurance that they would make it clear on my record that the payment was not late, even though I asked for it several times. 

The annual interest rate that I am paying on this balance is 31.42 %, for reasons that I do not understand. I have been paying on this bill regularly for years, but when I asked that the interest rate be reduced I was told that it could not be, because the card had been cancelled. Bank of America cancelled the card, without warning to me, with the interest rate set at usurious. Is this even legal?

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED NONE OF THESES TRANSACTIONS AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT. I AM ASKING THAT A THOROUGH INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2022-06-07
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I posted a table on XXXX XXXX XXXX. I was messaged by a man who was interested in purchasing my table for his son. He asked if he could pay me through Zelle and I said yes. We agreed on {$50.00}. 

I gave him my Zelle QR Code and my email. After a few minuets I received an email from Zelle saying that the transaction was not approved because I didn't have. " business account ''. He asked for a screenshot of the email, I sent it to them, and he said he has done this before. The email stated that I I had to participate in a transaction of {$400.00} in order to become a " business account ''. So the man said he was going to transfer me {$450.00} via Zelle. After a few minuets I received another email from Zelle saying that his transaction came through. 

I immediately transferred him back {$400.00} ( so that I only profited {$50.00} ). As per the email instructions, I sent a screenshot of the transaction to the Zelle email. He told me to let him know when I received the fund in my bank, after a few minuets nothing happened and I knew I had been scammed out of {$400.00}. 

I have screenshots of the email and the messages as proof of everything. 

I reached out to XXXXXXXX XXXX  multiple times. Twice on XXXX but they said they couldn't help me since the transaction was still pending. I called again the morning of XXXX and they said I could submit a dispute via online but because Zelle is like a cash money transaction that it's unlikely that I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions 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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent ACCOUNT from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any ACCOUNT listed in Identity Theft. Once again HERE ARE THE LIST OF ACCOUNT THAT I WANTED TO REMOVE! 

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Tranunion has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Transunion has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXX  # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Initial dispute XXXX Company closed dispute on : XX/XX/2022

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 2022-06-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent in a dispute letter regarding inaccurate and incomplete information. I demanded Experian to remove the inaccurate and incomplete information. They responded and stated that they verified the account as accurate. I requested the name, address, and telephone number of each person contacted regarding this alleged account. I also requested copy of any documents provided bearing my signature. I demanded Experian to show me where I gave them permission, written consent to furnish any information on my behalf, according to 1681 ( b ). I requested a reinvestigation AND a Method of Verification. Experian has not responded.

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 2022-07-28
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 Website sold information about my banking account pertaining to me being a XXXX XXXX XXXX XXXX, they refused to offer me handicap Accessible services and demanded they see me in person, this makes me feel worse about my XXXX from being a XXXX XXXX XXXX. The bank has continued to commit fraud and the Internal Revenue Services is Herby formally requested to audit their system for people committing hate crimes with the XXXX and XXXX community. Because of my religion I am being denied services ; ; XXXX XXXX FBI referral reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX XXXX  ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX XXXX. Equifax directed me here to fill out a report then mail to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting 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 received a notice of adverse action on a loan I did not request. I inquired online via XXXX XXXX to explore interest rates but I never intended to request/apply for a loan. I want that credit inquiry and resulting notice of adverse action expunged from any files that have been created and held by XXXX. Also, if the action was reported to any third party ( e.g., Transunion ) I request that the report be rescinded and the record annotated to reflect that I did not apply for a loan from XXXX. Please note that I have contacted XXXX, the credit bureaus, and the XXXX consumer support for assistance in these regards. Please note that I had no intention of applying for a loan from XXXX during my online inquiry of current interest rates. To be clear and for the record, I just want the notice to be rescinded immediately. I am not interested in, and have not applied for, a loan from XXXX. XXXX XXXX XXXX XXXX The company is : Tresl ( Innovative Funding Services ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : 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 2023-05-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX  XXXX and XXXX {$110.00} XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX  Same Accounts XX/XX/XXXX  Same Accounts Ive contacted the companies and Credit Bureaus All I get in return are they have identified that these belong to me. These accounts have been charged off and are still open revolving accounts damaging my credit score. I did not receive a XXXX  from the IRS. These are noncompliance FCRA regulations and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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