BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
As of XX/XX/XXXX there is a derogatory mark appearing on my Transunion Credit Report from XXXX XXXX. However, I do not recall ever taking out any lines of credit from XXXX XXXX. 

Specifically in dispute are the derogatory marks for XXXX and XX/XX/XXXX. In accordance with laws governing credit transactions in Kansas. XXXX XXXX would have been required to be registered with the Kansas XXXX Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XX/XX/XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XX/XX/XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that Transunion, XXXX, XXXX and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.

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 2021-04-15
Company: Debtsy Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I sent Debsty a debt validation letter and cease and desist but they continue to email me non-stop and never sent debt validation letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I got called this morning from XXXX XXXX XXXX XXXX verifying if I had been in XXXX trying to get a loan. I told the caller I did not and he said that I'm likely the victim of identity theft and that I needed to check my credit reports. 

I've taken steps to freeze and add fraud alerts on both XXXX and Transunion. However, I am unable to create an account on XXXX due to issues with their website. 

I have read that I should also file a complaint with the XXXX as an a 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 2022-07-18
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-18
Company: Experian Information Solutions 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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-09-11
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: Reporting company used your report improperly

Complaint:
My personal information was stolen during a 2 month security breach affecting Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
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

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 2022-07-18
Company: Experian Information Solutions 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:
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

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 2022-02-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
this is regarding TD credit card service cash card website is : https : //www.tdcardservices.com/ I Closed the account on XX/XX/XXXX. 2022 Charges still coming to my closed account after I closed for a month and I was told there is nothing I can do about it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: KS
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:
As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from Cash Central/DFS. However, I do not recall ever taking out any lines of credit from Cash Central/DFS. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. Cash Central would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I mailed via USPS both XXXX and TransUnion notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

TransUnion Tracking # XXXX XXXX Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine. Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. How can an account be both open and a charge o
ff? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.

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 2019-08-02
Company: EQUIFAX, INC.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX  CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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:
FCRA VIOLATIONS : NOT MY NAMES : XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX type Single family XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX XXXX NOT MY XXXX : XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CO Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
FCRA VIOLATIONS : NOT MY NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXXype Single family NOT MY INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2022-07-18
Company: EQUIFAX, INC.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in Experian and XXXX Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!

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 2019-08-02
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX equifax XXXX all have failed to do a proper investigation about a bankruptcy on my credit report. Ive tried several attempts and yet no changes have been made. Ive went as far as contacting a bankruptcy court and they said they do not give out information to third party vendors such as credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I removed my payment method in attempts to cancel equifax product premier plan before the next billing cycle. This was the only sufficent method visible to me that was a available when I logged in to cancel this service. I wa billed again on XXXX/XXXX/XXXX. I contacted equifax to ask why and they explained that they save your credit card data for billing, even if you remove it. I request immediate refund and cancellation because I did not want to be charged for this anymore. Equifax refused to refund. They explained I can use service through XXXX for the charge. However, the product is no longer available to me. When I attempt to update my equifax it gives me error because no payment is on file. It states failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX 7-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in XXXX and TransUnion Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXXXXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!

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