BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$9400.00} XXXX  XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-01-07
Company: Paramount Recovery Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to go to an emergency medical care on XX/XX/XXXX and my insurance benefit was {$100.00} deductible in case of emergency. I have all of my documents showing that my insurance paid all of the payments ; they took some extra time for the payment as I claimed lately. 

Recently, " PARAMOUNT RECOVERY SYSTEMS '', a debt collector called me regarding one of the unpaid payments and I told them my insurance has already taken care of them. They charged a derogatory point on my credit score for an unpaid payment of {$1100.00}. I have contacted them via email/ phone and sent the 'Explanation of Benefits ' for that claim via email ( XXXX ) as well as postal mail ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) ; tracking information ( XXXX XXXX XXXX XXXX % XXXX ). 

Initially, they claimed that they didn't get my email, however on XX/XX/XXXX they assured the recipient of the email containing my EOB. Afterward, I emailed and called several times to their associates ( whom I talked to before XXXX and XXXX ), they didn't respond and solve the issue. 

Therefore, I would like to formally place a complaint against them as they do not solve the issue whereas the payment has already been paid on XX/XX/XXXX. For reference, I am attaching the corresponding EOB and the email communication with the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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 2021-10-17
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:
Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.

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 2023-06-29
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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 made all of my payments to Credit Acceptance within the 30 days that was required before reporting negatively to credit reporting agencies. The company has only reported my last payment as late, which again was not 30 days late. The payment is due on the XXXX, I made the payment on the XX/XX/XXXX. I then learned in making the last payment that late fees magically appeared. This was then going to add a payment, that was not expected. The vehicle has been paid in full since XX/XX/XXXX, then an added payment of {$340.00} in late fees. This has negatively effected my credit I have worked so hard to fix since my divorce in XX/XX/XXXX, and impacted my ability to purchase a new home. I have contacted Credit Acceptance and disputed their information they are reporting. They have refused to remove the information, therefore I am looking to take the next steps.

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 2020-11-14
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
Im a victim 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 explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to freeze and unfreeze my credit with Experian. It will not allow me to use my username. When I hit, forgot username, it requests my social security and birthdate. Then it shows a prompt that says : Your user name has been sent to the following email : XXXX The issue is that is not an email I have ever used or had. I have tried to contact the company directly to let them know that I am concerned that someone broke into my account. I cant get through. It doesnt get fixed. 

I am concerns that the monitoring company for my credit ( which I do not want to use but I am forced to use ) has been hacked. They have no customer service to deal with this. And my credit is exposed and info is being sent to an email that is fraudulent.

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 2023-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$930.00} Open balance 08 CAPITAL ONE BANK USA N A Original creditor Portfolio Recovery has contnually reported a Captial one Bank Card on my credit file that I have not ever opened. I have been in college and this may be from when I was in high school. To this day I am still a student and my parents pay my phone bill so not sure how I have Any thing on my credit at all. I did not do this. I was a victim of multiple breeches and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a Discover Member since 2013, but they have closed my account but I never made a late payment or did any thing wrong, This is affecting my credit score since my total available balance is dropping significantly,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being robo-call harassed daily by a collection company called XXXX XXXX   XXXX. They are calling in an attempt to collect on old ( zombie ) debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them to leave me alone and stop contacting me and that they do not have my permission to call my phone or contact me by any other means. I have ask them to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocalls. I would like to sue XXXX XXXX XXXX in a court of law for the maximum {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process

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 2023-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recieved a letter from Radius Global Solutions attempting to collect a debt owed to XXXX XXXX XXXX XXXX XXXX. I received calls daily from Radius. I requested that the phone calls cease immediately because the bill was supposed to on hold. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX to confirm whether the bills were still on hold. She indicated that the bill was sent to Radius in error, but she would request a return of the bill. 

Radius has violated collection practices by placing the bill on my credit files after my contact with the company within 30 days of the notice. I inform Radius representative to return the bill to the provider. Nonetheless, this collection bill has been placed on my credit files. which has negatively impacted my good credit.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
Recently when viewing my TransUnion credit report, I noticed an unauthorized hard inquiry being reported by XXXX XXXX XXXX. This inquiry was made on XX/XX/2023. I ask that you investigate this inquiry and when it is revealed that this inquiry was not made by me I want it removed from my credit profile 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 2021-09-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 already reached out to the credit bureaus ( XXXX XXXX  and XXXX  ) and to NISSAN MOTOR and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment and Date Open are misleading and inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AMSHER COLL Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XX/XX/2023 Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Contact info Name XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. Transunion, XXXX and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX  XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX XXXX XXXX****Unverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX ) XXXX XXXX XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}

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 explanation