BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the following account companies have violated my rights. 

- XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/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 XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX 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 with 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct or delete the following items that I believe are inaccurate and harming my credit. 
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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MA
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'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 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
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: DE
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'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 explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
Here are the aforementioned items : XXXX XXXXXXXX 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 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 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 submitted a letter to the Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-19
Company: Tenaglia & Hunt, PA
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TENAGLIA & HUNT, P.A. purchased a debt from XXXX XXXX XXXX that is in active dispute with the original creditor. I also sent a Non public personal information ( NPI ) opt out notice to the original creditor and they ignored it and released the XXXX including non public personal financial information ( PIFI ) to a third party. 
TENAGLIA & HUNT, P.A. also failed to comply with the Fair Debt Collections Practices Act in contacting me in attempt to collect the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I HAVE ACCOUNT WITH BANK OF AMERICE ( P.U.A ) UNEMPLOYEDMENT WITH FUND ON IT SINCE XXXX IT IS NOW XXXX OF XXXX THIS I BEEN HAVING PROBLEM WITH ACCOUNT FOR A XXXX XXXX XXXX  SOMEONE HAD GOT A HOLE OF MY ACCOUNT AND STOLE MY MONEY OFF IT AND WHEN I FOUND OUT AND DID A CLAIM TO GET MY MONEY BACK THEY TELL ME THAT I NEEDED TO VERIFY MY IDENTITY SO I DID THAT I EVEN RICH OUT TO UNEMPLOYMENT TO HELP ME WITH THIS MATTER BUT BUE TO THE FACT THAT THEY DO NOT WORK WITH ( B.O.A ) ANY MORE THAT COULDN'T HELP ME I EVEN FILE A POLICE REPROT ON THE MATTER I EVEN HAD ( P.U.A ) ISSUE ME A LATER TELLING THAT TO ISSUED ME MY MONEY THATS ON THE ACCOUNT BUT THEY TELL ME THAT CANT HELP ME ..I SEND THEM ALL THE PAPER WORK I HAD SO THAT CAN HELP ME BUT STILL NO HELP. I THEN LOST MY APARTMENT SINCE ALL THIS MY KIDS HAD BEEN PLACE WITH MY SISTER BECAUSE I COULD NOT FEED THEM ARE HAVE A PLACE FOR THEM TO LEAVE MY BOYFRIEND GOT KILLED I COULD EVEN PAY FOR HIS FUNERAL BECAUSE I CONT GET TO MY MONEY..I NEED MY MONEY SO I CAN FIND A PLACE FOR ME AND MY KIDS ..PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2023-05-19
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved a notice today that I owe XXXX XXXX XXXX XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by Radius Global Solutions LLC. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.

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 2023-05-19
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a brokerage account with Robinhood. This morning ( XXXX ) they sold all my stocks without my permission. No response on any emails. Phone number says email or use app. App automatically closes the ticket. 

Earlier they froze my account so I could not make any transactions anyway and now they just sold all my stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
TransUnion, XXXX, XXXX are confirming the information their reporting are correct this is violation I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; Experian acc # XXXX XXXX dispute resolved - consumer disagrees. Debt included in or discharged through Bankruptcy XXXX XXXX. XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX Debt included in or discharged through Bankruptcy XXXX  XXXX. ( XXXX Acct # XXXX  XXXX Account involved in XXXX  XXXX debt adj. Auto Included in XXXX XXXX XXXX ( TransUnion XXXX XXXX  XXXX ; dispute resolved/ consumer disagrees/ These accounts aren't supposed to be showing negative. These accounts should be deleted since their part of my Bankruptcy. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these accounts from my consumer report and all your systems.

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 2023-07-26
Company: Kovo
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: Account information incorrect

Complaint:
The following company is currently reporting an incorrect account to my credit file, please remove this account from my credit file. I have attached a copy of my dispute letter as well as my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation