BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: UT
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 disputed XXXX XXXX XXXX XXXX reports on my records because it was a duplicate. There is 2 of the same thing. The XXXX XXXX XXXX XXXX which was opened in 2014, and was a charge off and closed when I had a credit person help me with my credit. She asked me why there was 2 and I didnt know there was until I looked, I explained this in my dispute. The first one said it was a joint account which was not correct information, so Experian updated it and turned it into an account that was updated and now negative, and yet still there was 2 XXXX XXXX XXXX XXXX on there even when I told them the info wasnt correct and that there was 2 accounts, and there should only be 1. So I Tried it again, and I tried to explain to them that there was 2 accounts and that the XXXX XXXX XXXX XXXX was included into a bankruptcy that was dismissed, which the bankruptcy was also on my credit report, so why was there still a duplicate XXXX XXXX XXXX XXXX, as well as the bankruptcy? So I got an answer back, saying updated, but this time, they updated a XXXX  XXXX XXXX credit card, which is not what I asked them to do. And is not what I was disputing. 
So now I have 3 accounts that have new dates of being updated, 2 of them are negative and 44 points that were dropped from credit report. 
This makes no sense to me. 
If an account is closed, why is there a duplicate of it? And if it was put in a bankruptcy why is it on a credit report in addition? And when disputing something, they are not disputing the correct account? 
The disputing agency was Experian.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry on my transunion credit report that is from XXXX from XX/XX/2018. I have not applied for anything through XXXX  and I need it removed from my credit report. I tried getting it off through XXXX  but it does not exist.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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.

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 2023-11-11
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being. 

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated XXXX period, informing me of the actions taken to address this matter. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello. I placed XXXX separate orders from different stores using Klarna. I was behind on payments and was given until XX/XX/2023 to pay the balance on XXXX of the orders & XX/XX/2023 for the last order. I owed them a total of {$820.00}. On XX/XX/2023, I initiated payment for all orders for a total of {$820.00}, which posted to my bank account on XX/XX/2023. My payments weren't shown on Klarna 's app so I contacted them via chat and the agent stated they received my payment & it will reflect on their app within a week. Unfortunately, they deleted this chat before I could take screenshots. 
On XX/XX/2023 I then noticed XXXX more charges from Klarna & then XXXX more charges on XX/XX/2023 ( that I did not owe ). I contacted them again and they informed me a refund will be issued within 10 days. Again I did not screenshot this because I did not think I would be going through this. 
On XXXX XXXX I received XXXX emails from XXXX, a debt collection agency, stating I owe Klarna a debt. I disputed them immediately and contacted Klarna. I spoke with XXXX Klarna agents, XXXX on chat on their app and the other XXXX the phone. They both told me my orders were sent to collections and to contact XXXX. They're both claiming to not see my {$820.00} payment. The woman on the phone hung up in my face as I was expressing my concern. Klarna then blocked my account so I am unable to contact them via app. 
XXXX is a screenshot from my conversation with klarna on XXXX XXXX after i seen the extra charges on my account* *Other screenshots from Klarna 's chat were after I was hung up on via phone call XX/XX/2023 so I was very frustrated as you may see*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: OPORTUN FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I began the process of requesting funds on XX/XX/2023 and was told that I would receive the funds into my bank account in no later than 5 business days. That did not happen. A few days later, I received electronic confirmation of a loan application in a wrong version of my name that I did not apply for. I have followed up with the company several times requesting my funding and they always give me steps, that I follow, but to no avail. Each time the processing time changes ( 5-8 business days, 7-10 business days, 3-5 business days, etc ). Finally, I asked that they close the account and send the funds. They agreed, however I have still not received my funds and am being told to follow additional steps because of an issue with my bank. I contacted my bank, and they said there is no issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: UHG, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC  affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi this is XXXX XXXX and the account I would like to fix is on My Transunion consumer report, I have created a complaint about this before but nothing has happened,, I would just like my report fixed im not looking for monetary gain which is under my knowledge that if any Bureau is not 100 % accurate on my information I can request that this discrepancy be fixed and i can request XXXX up to XXXX dollars but like i said i am not interested in the monetary gain and would just like my account from XXXX account number XXXX to appear on my report. With this account not appearing on my Transunion credit file, it is losing me XXXX pts, and my consumer report is very important to me. I have proof of the negligence and will submit below.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent documents to Experian requesting that 2 ( two ) accounts be removed from my personal credit profile. They received the documents on XXXX, verified by certified mail with a signature. Not only has 30 days passed but 45 days have also passed with no investigation. Experian is in violation of FCRA 611 [ 15 USC 1681i ].

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 2023-03-03
Company: EQUIFAX, INC.
State: NJ
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:
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 - 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  Account name, XXXX XXXX XXXX Acct 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX ever about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, Trans Union and XXXX. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion, remove XXXX XXXX from my credit report for inaccuracies. You said it was last active in XX/XX/XXXX  while XXXX said it was last active in XX/XX/XXXX  and XXXX said it was last active in XX/XX/2023. Remove immediately this account as it is inaccurate. Keeping it on my report will be a violation of the FCRA!

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 2023-11-09
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing this letter to lodge a complaint against Velocity Investments LLC ( VIL ) for violations of the Fair Credit Reporting Act ( FRCA ) for its refusal to comply with its duties imposed by the law.

A. Company Contact Information Velocity Investments LLC ( VIL ) XXXX XXXX XXXX, XXXX, NJ XXXX B. Specific Complaint On or around XXXX XXXX, I filed for bankruptcy and subsequently, XXXX XXXX XXXX, ( UNI ) informed me that on or around XX/XX/2020, they had sold the loan to XXXX. I have attempted to correspond with VIL, pertaining to this matter but have thus far refused to respond. I have requested the following information : 1. Verification that VIL did in fact, purchase the rights to this loan on or around XX/XX/2020 and the amount paid for the loan ; 2. Since the transaction occurred after I had filed bankruptcy, I requested confirmation that UNI provided notice of the bankruptcy ; 3. Confirmation that they have received a copy of the bankruptcy discharge order ; 4. Confirmation that the debt has not been further transferred/sold ; 5. Confirmation that VIL is aware the debt is no longer a valid and collectible debt ; and 6. Confirmation that they are aware of the discharge injunction and that they will not take any action to collect the discharged debt. 

Despite several letters seeking this information, they have refused to respond.

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 2019-09-30
Company: EQUIFAX, 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
An individual whom I was asked to employ without a back ground check continues to follow me after the job is over. I believe she actually has access to my own credit report.

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