BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
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: Account information incorrect

Complaint:
The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, Transunion, XXXX, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes 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 2023-06-21
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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

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 2022-09-27
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2022, I began receiving communications from Credence Resource Management regarding collections for ambulance services rendered by XXXX the previous year. The amount sought was around XXXX USD. I immediately contacted my then-health insurance provider, XXXX XXXX XXXX who informed me that per their agreement with XXXX, XXXX owed no additional monies and instructed me not to pay. 

I began receiving frequent calls from various phone numbers after this. In XX/XX/2022, I called one of these numbers back and found they belonged to Credence Resource Management, a debt collection agency. I informed them of the erroneous status of this collection and was asked to email a customer hotline images from the XXXX XXXX app showing that I owed no money. 

I sent this email photo proof on XX/XX/2022, and instructed the company to close the erroneous charge. Instead, the company replied that I needed to send them an image of my health insurance card, front and back, so Credence could call my insurance company and see if they would pay the balance. I informed them that the balance and my personal information is none of their concern as I provided written proof that I owed no balance and reiterated my request to have the illegal and erroneous collection halted and further informed Credence I would be filing a complaint with the CFPB as well as the California State Attorney General. I then called XXXX XXXX to inform them that the erroneous debt they had instructed me not to pay had been sent to collections and that the collection agency had refused to acknowledge the illegal and erroneous collection attempt. XXXX XXXX then contacted XXXX and informed me again not to pay. I then replied to Credence, sharing with them once again the proof from the insurance company that I owe nothing and should pay nothing. Credence responded that XXXX is seeking a full balance from me, and refused to acknowledge the proof I provided. I then informed credence I would be filing a complaint with the CFPB and Attorney Generals office and expected their compliance moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX service : After using a two year service contract for two years and three months, I turned in my two TV signal receiver control boxes and my two hand controllers to the XXXX, Florida XXXX Store- XXXX XXXX XXXX - XXXX XXXX XXXX, Authorized XXXX   Retailer. My account was paid in full, through my XXXX XXXX XXXX direct pay account. After moving to a new location in Florida, I continue to receive billing from XXXX. Up to the amount of {$710.00}. I do not owe the XXXX  any additional money and they will not stop sending statements. We had to have a XXXX  technician come to our house, when the service was quite new, because the picture and auto was very poor in quality. He changed the two TV receiver signal boxes and stated they are the new style and they would or will improve the sound and picture quality. Through out this additional billing situation, someone from XXXX stated they think, by changing the two boxes increased the contract by another year. I would not have ever agreed to that procedure, if that was the case at that time. That technical service call was to repair and increase TV signal and poor service. The two year contract should have been the only contract in agreement.

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 2022-06-14
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:
Account Name Account Number XXXX XXXX  XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXXXXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
i am XXXX years old - retired XXXX XXXX - i started obtaining credit back when i was XXXX years old when i bought my first car on credit - during my years, i have established tons of credit accounts including 5 mortgages - 7 car loans and numerous credit card and other credit accounts. however, i have complained to transunion that their way of calculating length of one 's credit is not correct and they report me as having 1 year of credit to my name - this is so obviously wrong - i have had credit in my name for 45 years - my wife divorced me two years ago and i had to close my accounts and open them again without her on them - this is what transunion is claiming is the first time that i have ever had credit and reports my credit life has only been one year - it is hurting my credit score and hurting me from obtaining a good mortgage for the purchase of a mobile home in floida - the only place i am now able to afford to retire to. please have transunion to correct my length of credit information as it does not correctly represent the true time i have had credit in my name. in addition - i challenged 7 hard credit inquiries months ago and they never researched/ responded back to me on the results of the investigation they were to perform. my credit score i XXXX - and everything else on my credit report demonstrates that i am an excellent credit risk - no negative accounts - 100 % payments on time - excellent amount of credit used vs available etc .... i have worked very hard on my credit and these two issues are the only negative information on my file.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MD XXXX 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 I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-12-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the balance of my Lowe 's card XXXX. On XXXX I called to dispute the interest charge of XXXX and to close the account. Today I reviewed the statement which reflects the interest XXXX with an additional {$2.00}. interest on that balance. 
Lowe 's Account # XXXX XXXX XXXX opened in XX/XX/XXXX. 
My previous complaint was about XXXX  that was doing the same thing. 
They should remove any and all negative comments to my credit. 

Please note that I moved from 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 monetary relief
Consumer complaint received 2018-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called on XX/XX/2018 to request the phone calls from this number to stop because I DO NOT HAVE DEBT. I have never had anything go to collections and I have an excellent credit history. I do not use credit cards to spend above my means. I do not have any loans that would warrant a debt collector to call.

My call was answered by a recorded message that directed me to visit www.PortfolioRecovery.com THIS IS A SCAM WEBSITE that asks for personal information including SSN.

Information warning others that the site is a scam can be found online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts and inquiries does not belong to me : XXXX XXXX XXXX # XXXX The following inquiries are fraudulent : 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 The following address is not my address. 

XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX The following employer is not mine : 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 2021-07-16
Company: EQUIFAX, 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:
Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: American Collection Services, Inc. (OK, TX)
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: Account status incorrect

Complaint:
I have a couple of derogatory marks on my credit that should not be there. My father and I have the same name. His bills from the Oklahoma XXXX Hospital were put into collections in my name and then sent to my credit report. There are a total of three of these marks, with XXXX XXXX stating that they have been on there since XX/XX/2013. They are all from American Collections, the totals for them are {$24.00}, {$50.00}, and {$87.00}. I have called the XXXX Hospital and they are trying to send the bills to the correct person, but I still need them taken off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date XXXX XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2018-12-21
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account from XXXX XXXX XXXX ( Original creditor ) is showing on my credit report. Its now saying that its been sent to the collection agency XXXX XXXX in the amount of {$530.00}. It also says the account was opened XX/XX/16. I did not open this account and Ive tried to contact the company at their toll free number XXXX. It sends you straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account that need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$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 2023-06-16
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX LL XXXX,, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX dept of ed XXXX XXXX, dept of education/ XXXX XXXX 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 section 604 a section 2 : it also states consumer reporting agency can not finish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedated 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 agency 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 2018-12-21
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I paid Western Union {$240.00} on XX/XX/2018 for a transfer of {$210.00} to XXXX, XXXX. When my fiance tried to collect, she was denied, without even being given an explanation. The tracking number is XXXX. When I went back to the place of purchase, they called Western Union and told me that I had to send an e-mail with the tracking number and a picture of the identification, current address, and place of birth. after collecting this information from the recipient, I sent the email. after 2 days I still had not heard back from them so I called their customer service. I spent most of the day on the phone with them, being transferred back and forth. I repeatedly asked to speak to a supervisor and each time I was transferred to a line that just rang continually with no response. The last time I called, my tracking number was not even recognized, nor was the phone number that is associated with the transaction, ( yes I entered the right number, I did it twice ). Western Union has taken my money 6 days ago, and when I tried to get it back, was told that I could not get a refund. As I write this, it is Friday, XX/XX/XXXX. So not only have I been defrauded, but this has also ruined XXXX because they told me that this could not be resolved for many business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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