BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} 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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-11-03
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:
I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be deleted, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX credit bureau the method of verification for disputes In accordance with FCRA, I am requesting the account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. Here is the account that needs to be delete in my file ASAP : XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX IQ Data International : XXXX Dispute : IQ Data International - Original lender : XXXX XXXX XXXX TX I'm writing to dispute the following information that appears on my XXXX consumer report. 

On XX/XX/2023, I called IQ Data to request itemized report for the debt listed on my credit that i was not aware of. XXXX XXXX the rep whom i was speaking to stated that he don't have to provide the information because i should not have broke the lease. I attempted to inform him by law that I he is required to provide the information and he stated he don't and will not be sending it to me unless i will pay the debt. i stated why would i pay for something that i didn't have knowledge of, reason i attempted to dispute once before. He transferred me to the supervisor twice but no answer either time. he did state that he can send me something that shows {$2600.00} but not the {$3000.00} because the additional monies is interest and he cant include it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

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

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2022-11-03
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly getting text messages from this group saying I owe money to something called The Department XXXX XXXX. They dont say which XXXX  XXXX XXXX just the vague XXXX  XXXX XXXX XXXX Ive checked with my medical providers and I dont owe anyone money so I suspect its a scam they are trying to pull. They seem to have my address but dont send a bill or any other information, just text messages so it seems like something fishy to me. 

Ive checked into them on the web and theres a lot of others who seem to be having the same scam sent to them. 

Heres a copy of a text message. 

Important message about your XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor : XXXX XXXX XXXX  Balance : {$82.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company To stop receiving text messages reply STOP Visit our mobile portal at XXXX? XXXXXXXX XXXX  XXXX Login to our secure Portal using ID # XXXX. Password is your 5 digit Zip code. 

Visit our website at XXXX? XXXX XXXX XXXX our Virtual Agent available for your convenience 24 hours a day 7 day a week XXXX or feel free to ask for an agent.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$120.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; 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 2023-05-20
Company: MicroBilt / PRBC (formerly CL Verify)
State: MA
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I checked my XXXX credit report and noticed an Inquiry dated XX/XX/XXXX from a company, Microbilt, which I never applied to for credit. The unsolicited inquiry impacts my credit report negatively and remains until XX/XX/XXXX. I work hard to protect my credit and do not appreciate unsolicited inquiries on my report. Thank you for your prompt follow up on this matter.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Report Act XXXX, XXXX, XXXX 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 an account without my written instructions. This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector. 
Legal action will be taken if you failed to re-investigate this account and provide the accurate information.

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 2023-05-20
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX CXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX Account # 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern : I am writing to dispute an inquiry XXXX XXXX XXXX XXXX ) that appears on my credit report. The inquiry in question was made without my knowledge or consent, and it is inaccurate and unfairly impacting my credit score. 

I request that this inquiry be removed from my credit report as soon as possible, as it negatively affects my ability to access credit and other financial resources. I have reviewed my credit report and have not authorized this inquiry nor know it. 

Please provide me with written confirmation that this inquiry has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft 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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft

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 2023-05-20
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:
I am interested in processing disputes only credit report with transunion to delete all inaccurate information on my credit report. this has been an issue that is hindering my credit report an needs to be deleted. please review an remove all listed items to help clean my file 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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately! As I have been trying to do for over 90 days now!

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 2023-02-06
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I was locked out of my online account for Treasury management. After numerous unanswered calls and emails my account was restored with no explanation. On XX/XX/2023 I received a XXXX  with a letter stating my account would be closed on XX/XX/2023. Again after numerous unanswered emails and phone calls to everyone up to the president of the bank I could not get a reason for the closure. I am aware that the bank can close accounts for no reason and have agreed to that in writing, but my agreement clearly states that there would be XXXX  days notice of termination. The immediate cutoff to Treasury Management and ACH transfers has crippled my business and making other arrangements clearly takes more than a week. After dealing with Simmons Bank for over XXXX  years I find this treatment unacceptable. The complete lack of response from the organization and the Bank president XXXX XXXX in handling this needs to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My TransUnion credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on TransUnion, but its also on my XXXX credit file. This is not right.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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