BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
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:
a lot of information on my credit report is invalid. I am disputing all inaccuracies on my credit report with transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Before I was the victim of identity theft with XXXX 's appliances. I had, maintained, and successfully paid off an account without incurring any late charges. 

TransUnion and XXXX are reporting to other XXXX 's accounts that bear the same account information as the initial account that I was responsible for financially. Except the accounts that they are reporting have {$4700.00} balances associated with them. 

I disputed the validity and accuracy of the XXXX derogatory XXXX 's accounts and instead of TransUnion deleting the derogatory entries, it elected to delete the account that was in good standing and positively impacts the credit report that TransUnion has compiled and paired with the social security number that was assigned to me. 

TransUnion has also chosen to retaliate against me by deleting other positive entries that was listed in the consumer report that it compiled causing the score that I diligently work hard to maintain to drop from XXXX to XXXX. This retaliatory tactic of deleting information that I am not disputing or information that I requested be reversed and not deleted is being deleted without just cause. 

I called several times and sent TransUnion and XXXX several letters explaining to them what my name is, what my address is, and who my employer is, but the XXXX entities insist on listing inaccurate and erroneous information without divulging who their respective sources are. 

I am not being allowed to communicate with a representative at TransUnion or XXXX over the phone because it has been relayed to me that my actual information doesn't match the information that they received from their respective customers or creditors. 

I am being denied access to dispute any information online as well. 

TransUnion has not responded to my dispute letters which validates my name and address. The only changes that it has chosen to make are deletions of positive account information which threatens my economic stability, is defamation of my character, and places me in a state of economic duress and undue financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Radius Global Solutions a collection agency from XXXX on XXXX. They told me I had a small balance owing. I learned my account was in collection while visiting my doctor because I needed to have blood work, and was told I owed a small balance. When I spoke to representative from Radius Global Solutions, she told me not to worry because they did not report balances under {$100.00} to the credit bureaus. ( we pay XXXX all the time because my husband has XXXX and has XXXX XXXX every 3 months ). Apparently, this particular bill was overlooked, but why would this company boldly lie to me and tell me it is not their practice to report medical bills under {$100.00}?? This is a misrepresentation of the truth because they have been reporting me to XXXX  all summer long. I want them to own up to their word, and remove this paid collection off my credit bureaus report. This company gave me false info to collect a debt, which is against the law!

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 2023-05-08
Company: ALLY FINANCIAL INC.
State: AR
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2017-11-27
Company: Alorica Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a representative with XXXX XXXX XXXX called and asked for a {$75.00} payment for XXXX XXXX XXXX. The bill with the hospital was from a car accident. I advised that the hospital received the check for {$75.00} payment XX/XX/XXXX and they deposited the check. The gentleman asked for proof so he could file a dispute. I sent in the copy of the check from the attorneys office. On XX/XX/XXXX the same gentleman called again stating I owed the money. He said the hospital rejected the dispute. He tried to tell me the account number on the top of the copy of the check I sent was not the correct account number. I told him he was mistaken that the account number he gave me ( XXXX ) was in fact the bank account number for the attorneys bank account. I asked him to hold on while I answered another call. He hung up. I called back and spoke with a female and she tried to tell me the same thing about the account number. I told her if they would look at the back of the check it proves that the check was cashed by the hospital. I became upset and told her if they were too incompetent to look at the proof they can just shove it up their XXXX. I have sent a letter with the copy of the check and requested they take the information off my credit and report paid in full but they refuse to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I closed on the purchase of an investment property with XXXX XXXX. XXXX was advised at the time of purchase that I would not be living at this property, and were given my mailing address which they retained in their files. 

Shortly, after closing the loan, XXXX sold the mortgage to AmeriHome Mortgage, and sent them the paperwork including my mailing address. 

In XX/XX/2021, AmeriHome sent correspondence to me at the investment property address advising that the loan had been sold. They misdirected this correspondence while having my mailing address in their records on file. As I do not live at this address, the mail sat uncollected and long enough for me to send two mortgage payments to the prior lender.

I learned of the sale of my mortgage, after AmeriHome contacted me by telephone in XXXX, 2021. I explained to them that I did not live at the property where they sent the mail, confirmed that they had my proper mailing address on file, and contacted the former lender about the error. The former lender took steps to direct the two mortgage payments to AmeriHome.

Yesterday, while at the investment property, I picked up additional correspondence from AmeriHome advising that I am in default and that my credit report is impacted - this after explaining what happened with the prior mortgage payments and confirming that they have my mailing address on file which makes this entire evolution their mistake. I called the company this morning, and explained again, that my credit report should not be impacted because of their mistake/failure to use the mailing address they have on file. I also recontacted the prior lender and asked them to confirm that the two prior mortgage payments were forwarded to AmeriHome. 

My credit is being harmed because of this company 's incompetence. I have been a home owner for more than 25 years, own other properties, and have NEVER been delinquent or in default of any mortgage. They have told me the matter is still under investigation and they will/may change the credit reporting when they're done. 

This is absolutely unconscionable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter on XX/XX/XXXX to remove the listed inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX and I am including them againXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX ; UXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX CARD SERVICES Inquiry Date 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 2018-05-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voicemail today, XX/XX/XXXX at XXXX CST stating that my immediate attention was required requiring file number XXXX in reference to a complaint that may be filed against me. I was informed to call XXXX to discuss pending allegations. Failure to correspond would result in the department proceeding forward without my consent. 

Not only did they call me, but they have called my uncle in XXXX, a brother and his wife ( both at home and at work ) in XXXX. At this point, I don't know who else they may have contacted. 

When I first called, I only gave the referenced file number, but refused to confirm my full name and last 4 digits of my social. I then asked for them to mail me whatever it was they had on me, and the woman hung up on me. 

After hearing from my uncle and brother, I decided to call back. I immediately asked the name of the company and was told by XXXX XXXX ( XXXX ) that it was XXXX  XXXX  out of XXXX, XXXX. I was also told that I had a pending civil law suit against me for a JC Penney credit card ( owned by GE Money Bank ) and that the account was left unpaid and in collections, until it was charged off in XX/XX/XXXX. They also informed me that XXXX has a statute of limitations of 4 years, but that it wouldn't expire until the end of XX/XX/XXXX. I was told they were already in pre litigation and would be charging me with a 10 year civil judgement. They said I had the ability to settle out of court for the amount of {$320.00}, but if we went to court it would be {$2000.00}. 

I again asked for this information to be mailed to me, but was told they could email me immediately, once they had permission from the lawyer. While I was on hold waiting for this to happen, I pulled a copy of an old credit report that I ran on XX/XX/XXXX by XXXX. The report then clearly stated that I had a credit limit of {$200.00}, a high credit of {$52.00}, a balance of {$0.00} and a past due of {$0.00}. It also shows that this card was paid on XX/XX/XXXX, closed on XX/XX/XXXX and verified on XX/XX/XXXX. Once the woman came back on line, I told her this and that I wanted to dispute the claim. She said that it didn't matter, that they would go off of their records and not mine, and said that I could reach out to JC Penney for verification, but that they would delay filing this in court until tomorrow. 

Now that I have the name of the company, I XXXX them and found several other people claiming that this was a scam, that the company was using old debt for a quick buck to " settle out of court. '' It looks like they also go by XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX, and that they're a phantom group for XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.

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 2022-12-04
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 Equifax emailed me saying the results of my dispute would be available online until XX/XX/2022. The confirmation # of the dispute is XXXX. Whenever I try to download/print the results, I get the message " Oops. Something went wrong. Please try again later. '' It has never worked for me ; I have tried to get the results everyday since XX/XX/2022. I called the Equifax help line. I was told this is a known issue, there is no fix, and to try it again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The specific nature of the problem refers to the terrible customer service of Atlantic Credit and Finance. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since 2016.

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 2023-05-08
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

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 2023-06-02
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
You, TRANSUNION LLC Consumer Credit Reporting Agency are furnishing inaccurate and incorrect information that is in violation of 15 U.S. Code 1681, 15 USC 6802, Privacy Act of 1974, 12 CFR part 1022, and the Consumer Financial Protection Act ( CFPA ) The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for my personal and household uses. 
You and your inaccurate reporting have damaged my 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