BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion, XXXX XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
TranUnion is reporting the following from XXXX XXXX  XXXX. 

An account was opened by XXXX XXXX XXXX  in XXXX FL. XXXX XXXX XXXX issued revolving credit in the amount of {$6000.00} of which one ( XXXX ) monthly payment was made. I have never been to XXXX, FL / XXXX XXXX XXXX/ or applied for any credit with XXXX 

I have asked both to remove this information from my Credit report as it is Fraudulent! XXXX  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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-12-26
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: 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. Account name : XXXX. XXXX XXXX bank ss 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 2020-08-01
Company: ACIMA CREDIT, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2020, I walked into XXXX XXXX to obtain credit for a new living room suite . The young lady did tell me it may take a few days to get the merchandise due to the coronavis, I was ok with that. On or around XXXX XXXX I contacted the warehouse to find out about the merchandise I was told it was not in and i should just wait for a phone call. I then contacted XXXX on or around XX/XX/2020 to cancel my contract it was then they tried to contact the warehouse about the furniture i purchased and they couldn't get in touch with anyone. From XXXX  i was told i had to wait on someone to contact me about my account. I was contacted on XX/XX/2020 but i was unable to accept the call i was at work. I called on XX/XX/2020 to cancel again and they still tried to contact the warehouse to no avaliability. So on XX/XX/2020 I just wanted to cancel my account completely and go elsewhere. I was contacted by the warehouse and was told that i could have picked out another suite or something differet and it wasnt her fault that my suite hasn't been delivered and won't be deliver until XX/XX/XXXX to the warehouse. So i told her noone contacted me until i wanted to cancel my order. So she says it's 25 % to cancel and I'm like 25 % to cancel and I never recieved anything not even a phone call to keep me in the loop about my order? That 25 % they want me to pay to cancel could have went to the purchase of the XXXX XXXX I have XXXX kids and I can't afford to give and extra 25 % for something that we can even sit on that is crazy and absurd. I have never dealt with either company but i will not recommend friends, or family because this business practice is unacceptable and unorthodox if i have to wait 3 months for merchadise that i had to pay {$50.00} upfront for I could have went somewhere else less complicated and less money hungry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: PA
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 sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
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 2023-06-30
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX {$2600.00} ive tried disputing with them explaining to them that I am a victim of identity theft XXXX XXXX - XXXX {$1500.00} ive disputed this account several times, XXXX, I have no knowledge of this account XXXX XXXX XXXX XXXX Last updated XX/XX/2023 Balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I received an email asking if I'd like to apply for a personal loan. Once I applied, I was matched with Amplify Funding as a lender. I completed the application, received a message saying I was approved for {$1200.00} and to call the toll free number for verification. Once I was on the phone with a rep from Amplify Funding, I was asked to log in to the website and complete the application process. I was asked while completing the initial application if I could afford a payment over {$250.00} per month. I answered yes. But it wasn't until I was approved and reviewed the loan document online that I realized I was expected to make 12 payments of {$410.00} per month with an interest rate of XXXX percent. My {$1200.00} loan was going to end up costing me {$3700.00} in interest. 

After investigating Florida financial law, I realized this company is not licensed to do business in the state and the XXXX percent interest rate also violates Florida law. 

I wrote a letter to Amplify Funding which I attached to an email and sent on XX/XX/XXXX stating that the loan violates Florida law including the reasons why, and that I am only obligated to repay the principal. I also stated how I would repay the loan and asked Amplify Funding to contact me to set up the payment plan. They responded to my email ignoring my request and stating although the ACH had been cancelled, I was still responsible for paying the entire loan amount of {$4900.00}. 

I sent another email on XX/XX/XXXX again stating the same information as above and asked them to contact me to set up a payment plan. I also requested a letter from them confirming the loan will be considered paid in full once I pay back the {$1200.00} principal. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
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:
Disputed several times as there are many violations with this account : account XXXX XXXX with Experian and XXXX Experian : account XXXX XXXX XXXX : account resolution and collection bureau of {$180.00} These companies have failed so show some type of signature or contract that I have alleged debt with THEM! This is also a violation of my XXXX rights. I have not signed a XXXX XXXX form with the alleged creditors. Therefore, these are inaccurate and XXXX violations and need to immediately be deleted. XXXX laws protect my personal information from being used without my consent. 

Also, these accounts are in violation of the NO SUPRISE ACT! 

Also, these alleged collection accounts are not open accounts and therefore are 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2023-01-18
Company: Credit Karma, LLC
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, My name is XXXX XXXX. I have a savings account with Credit Karma app and or website. It's called a XXXX account. On XXXX XXXX, XXXX XXXX XXXX 's bank affiliate transfered my portion of my XXXX tax refund. Now the 'Linked External ' account I have on file with them is a now closed XXXX XXXX Checking account. I have tried to update to a new External transfer account on the App and on the website. However, the option to do so does not exist for my account as their Help Article plainly states it should for all accounts for all their customers. I have contacted them on several occasions and they playcate me and dance around the issue and they have said they are going to escalate the issue and someone will contact me by email but never does. It's as if the link in my version of the app is not functioning and clearly is looping back to the initial savings account dashboard page. I have a Information Technology background along with website development, localization, XXXX XXXX, understanding of XXXX, XXXX, and HTML and Quality Assurance flow testing. They are denying my ability to withdraw my funds in the amount of {$5500.00} USD. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 it states i had an inquiry from XXXX XXXX XXXX XXXX but ive never ran my credit with this company and ive been asking for this to be removed since i saw the fraudulent inquiry

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 2022-06-15
Company: EQUIFAX, INC.
State: TX
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 account # 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 a account without my written instructions. I am seeking litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have called the company multiple times to resolve this but unable to do so. I need the company to provide me with the date I placed a security fraud alert in order to proceed with dealing with my bank. However, Experian has no customer service representative reachable to receiver an answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value 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 Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XX/XX/2022, my XXXX yo mother got a call on her cellphone, caller ID and caller identities themself as Bank of America XXXX Department. After a conversation about fraudulent activity on a new account l, which I did not recognize, they were able to get enough information to access the account. I was on the phone trying to get in touch with the bank to verify the callers identity when I realized it was a scamming caller. The caller scammed our account of {$2900.00} not including fees accrued from bouncing automatic withdrawals, which take a month to stop. The transaction were incurred in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief