BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting a Tax Lien that do not belong to me. I have contacted the courts and they provided me with a letter that stated that they did not provide this inaccurate information to Transunion. Please assist me in getting this Tax Lien removed from my credit file. Also, I noticed that the date on this account is outdated. This shows that Transunion has several violations with regards to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Personal information incorrect

Complaint:
PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE 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 explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
transunion is reporting XXXX from my credit report its not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are items that are on my report that doesn't belong to me and has not been verified. Here are the items : 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 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I had received an unrequested XXXX XXXX Credit Card earlier this year. That was a red flag for me. I applied for a XXXX XXXX Credit Card today and was denied. I tried to request my annual free credit report today. They denied it and said I had requested the report on XXXX XXXX of this year and I did NOT do so. Someone requested the annual report without my knowledge, opened the XXXX XXXX card without my approval and now I ca n't open a simple XXXX XXXX card.

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 2022-08-04
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Feldman & Stern, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from RESTRICTED phone number. I have not answered these calls. Caller leaves a voicemail purporting to be " XXXX XXXX '' and insisting that I call his [ unnamed ] firm immediately at XXXX. 

I received calls on XX/XX/21 at XXXX and again at XXXX. Immediately following the second call, the restricted number called my husband 's phone number and left a similar message that I needed to contact unnamed firm immediately. 

On XX/XX/21, I received calls at XXXX. Followed immediately by another all to my husband 's phone line as well. Similar message. That I " needed to clear time this morning to call him back ''. 

On the afternoon of XX/XX/21, at XXXX RESTRICTED number called again and left similar message. Then immediately after, the RESTRICTED number called and left a similar voicemail with my brother who lives in another state. 

Researching the phone number XXXX online reveals numerous reports of harrassment connected to that number. Reports reveal that the person behind these calls will often contact other family members and even employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2016-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX inquiries that I HAVE NEVER MADE! WHO DID THIS? 
THE FIRST IS FROM XXXX XXXX THE SECOND IS FROM A COMPANY CALLED XXXX. I HAVE CONTACTED XXXX COMPANIES AND THEY HAVE NO RECORD OF ME OR MY SS # ANYWHERE IN THEIR SYSTEM 'S!! HOW IS THIS HAPPENING N MAKE IT STOP!!!!

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 2016-07-19
Company: BC SERVICES, INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a letter about a debt that I have no connection to.

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 2016-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never gone by XXXX XXXX. I am thinking it is some kind of identity theft. Please let me know what I need to do to get this name off of my credit reports. Thank you.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I tried to get all 3 credit reports, two were successful but Transunion 's process is futile. The system claims they can't verify me, they give a phone number to call but the computerized system doesn't acknowledge the word " REAR '' in my address and it continues to loop around asking the same question over and over and over. I simply want a copy of my credit 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 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I overpaid my credit card by {$220.00}. I subsequently closed the card and have not received a refund in over 120 days even though the statements I receive say " We will send you a refund of any credit balance of {$1.00} or more after the credit balance has been on your account for 60 days or upon your request made to customer service. '' I have tried calling the customer service number XXXX different times. It does n't connect me with a person, just a message saying they 're closed and to call back during normal business hours. But, it does not tell me when they are. Please help me obtain my money back.

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 2021-05-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I Have XXXX  hard inquiry on my credit report thats fraudulent I have never had an account with neither and neither did I try to apply for credit and Im requesting for immediate deletion CBNA and XXXX XXXX Bank

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 2015-12-03
Company: Google Compare Credit Cards Inc.
State: RI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Google wallet froze my account for me to verify my identity and submit tax ID info. I have verified my ID AND submitted the tax ID info. I have more than {$500.00} in there and it wo n't let me transfer it out. I have asked for someone to call me many times and called their support people ( in XXXX ) many times. The out of country support will not help me. Now I 'm attempting to email, call and get call backs and NOBODY there will contact me -- For example, there 's an option to request call back on the website. I request calls and nobdoy calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke to this company over 3 months ago concerning this debt. I told them I have XXXX  so this should have been paid and they said it wasn't. I contacted hospital and they said they didn't have information to submit it. I call XXXX  they gave me information how it should be submitted and I called hospital back and gave them this information. They said they would do a recall from collection agency and bill XXXX. The bill was paid, but the Plus Four Debt Collection agency has only removed from my XXXX  credit report. I've left messages for someone to contact me or get them removed from my other reports, but they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX, Trans Union or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.

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 2015-08-24
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I acquired a mortgage in XX/XX/2021 which was immediately sold to Amerihome Mortgage company. I sent a payment for the first payment on XX/XX/XXXX through XXXX XXXX online banking. XXXX XXXX shows the electronic transfer and has submitted proof of payment to Amerihome. Amerihome still will not credit my account with the three payments made to date as of XX/XX/2021, Instead they show only XXXX of the three payments. I am sure we can get this worked out if we can ever get Amerihome on the phone .... but the customer service with this company is the absolute worst I have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Its about my car loan. I have a letter from credit acceptance that this car XXXX XXXX XXXX was paid in full by XXXX XXXX. My car was in 2 accidents. 
Contract pay off account # XXXX 2019 XXXX XXXX From paid accounts processing department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
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'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called TransUnion. They ( XXXX XXXX say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with XXXX. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the XXXX is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.

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 2015-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise

Company response to consumer: Closed with explanation