BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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:
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 non-monetary relief
Consumer complaint received 2021-03-23
Company: AMERICAN ADVISORS GROUP
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When applying for a reverse mortgage I had to have my home appraised, for which I paid. The appraisal took a month. They only did a drive by. Then the appraisal came in at between XXXX and XXXX XXXX dollars below market price. I proceeded with the appraisal based on an approximate value of my home at approximately XXXX, XXXX. The homes in my area are selling for approximately XXXX for smaller homes on smaller lots. XXXX estimates my home at XXXX. XXXX at XXXX and XXXX at XXXX The XXXX hired by XXXX appraised it at XXXX. While the online estimates are just that a there is clearly something wrong with the appraisal. XXXX did a bait and switch. They dangled a carrot at a loan that a they had no intention of following thru with. I think they should round the appraisal price based on their tactics. I paid XXXX for this faulty process. How much does XXXX receive of this as a kick back? This all took place during the months of XXXX and XX/XX/2021. XXXX loan number was XXXX. Their appraisal number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company is displaying inquiries on my credit report which are not mine and refuse to correct their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ALLY FINANCIAL 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:
Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX financial Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XXXX Company : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/2022 Company : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, VA 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 2023-06-23
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: Credit inquiries on your report that you don't recognize

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.

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 2021-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft, my information is being used fraudulently since the XXXX Hack in XXXX. This account with this company showed up XX/XX/XXXX on my credit report however the credit reporting agencies are reporting that this collections account was opened on XX/XX/XXXX. I have sent the company multiple letters asking for an verification of debt bearing my signature however I have not received a response. I do not have an account with XXXX XXXX nor have I had one in the past. I have attempted to contact the company and additionally I have been working with law enforcement to get this straightened out and corrected. I was given a police report number XXXX Please assist with getting this rectified this is not my debt I am requesting that Portfolio Recovery Associates immediately remove this collections account from all credit reporting agencies ( XXXX, XXXX, XXXX ) I want them to immediately cease and desist all written and telecommunications attempts to collect this debt. Portfolio Recovery Associates states that I owe them this debt of XXXX. I have repeatedly asked them to provide validation/verification of this debt BEARING MY SIGNATURE. As required by the FDCPA Section 807 ( 8 ). I have never done any business with them, signed a contract nor do I owe them money. XXXX, XXXX and XXXX have stated that account information disputed by customer, meets FCRA requirements. They have not marked this account as disputed which is also a violation of the FDCPA with a sentence of customer has disputed validity of this item. Which has been over 30 days by law they have to add the dispute notice within 30 days. The credit reporting agencies included but not limited to XXXX, XXXX, XXXX are in violation of the law and must remove Portfolio Recovery Associates from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Resurgent Capital Services L.P.
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:
LVNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail. I recieved responses from LVNV Funding LLC on XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX response letters consisted of only billing statements from the supposed original creditor. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to Truist and I have not received a welcome letter with my account number and payment info so I can make a payment. I tried reaching out via social media and was told I had to call in for assistance. I spent over XXXX HOURS on hold before giving up. I was not given an option for a call back either. Im simply trying to pay my mortgage.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Spoke to Transunion regarding deleting different hard inquiry times and a particular collection account XXXX XXXX that I have no knowledge of this account or any contents regarding this account. I been requesting numerous times for this to be removed and its in violation of the FCRA US code 1681 b and 1681 c.

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 2023-06-23
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:
XXXX XXXX  {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence , Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-11-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( XXXX XXXX ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Anytime I apply for credit. It comes back denied because excessive delinquent payments. Since my bankruptcy discharged Ive only had XXXX account that was delinquent for XXXX day late payment. 
Should not be any other issues.

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 2023-06-23
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXXXXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX XXXX account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act convergent the accounts listed above have 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. 



Thank You, 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 2021-04-20
Company: Experian Information Solutions 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:
My credit file is still reporting inaccurate and erroneous information. I contacted all 3 major bureaus to remove the disputed account and its still reporting.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ordered a copy of my report I XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the accounts listed below. believe it was reported in error. 
XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$420.00}

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 2021-03-23
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I refinanced my existing Mortgage with Roundpoint Mortgage. Roundpoint was my initial mortgage holder. The bill that was sent to Roundpoint for my homeowners policy was returned to my agent with a letter saying my loan had been paid in full. No new policy was created for the refinance since nothing was changing but my interest rate. I immediately contacted Roundpoint on XX/XX/XXXX to rectify the issue. They contacted my insurance agent for a declaration page and received it the same day, but never made the payment. 
I contacted Roundpoint on XX/XX/XXXX, and the same thing happened. My agent provided them with the same declaration page and billing info, but still no payment was made. I called them again on XX/XX/XXXX, and they were provided the declaration page again along with the billing. Because the premium was due XX/XX/XXXX, I asked for a callback and was promised one Monday XX/XX/XXXX. After no callback, I called in again on the XXXX, and provided the declaration page and billing info once again! XXXX from customer care called me today- XXXX to confirm they finally received the billing and was mailing the payment regular mail. When I asked them to overnight the check, he refused- saying hopefully the payment will make it to XXXX XXXX in time for my 30 day grace. When I asked to speak to his manager, he said none was available.

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 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Identity Theft/Access to XXXX  XXXX XXXX to acquire XXXX banking information. 

XXXX XXXX  XXXX 1 Compromised Email Dark Web Alert and Phone Number Unknown Phone Number:XXXX Subjects 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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This past week a check was returned to me by bank of america thennnnnnnnn they told me it was counterfeit and thennnnnnnn they told me they are reporting me so i can not get a bank account anywhereeeeeeeeeeee!!!!!!!!!!! I received a mystery shoppers check and did notttttttttttttttttttt use any money from it even tho bao sent me info that funds were available! I knew it was too good to be true!!!!!!!!!!! Anyway i have 3 head injuries and i send my XXXX govt treasury checks to my boyfriend in XXXX as i can not do math and i use a credit card that heeee pays every month-nowwwwwwwww i did notttttt receive my ssi check for may because bank of america closed my account without even asking me what happened and sent a letter telling me i will be reported to others so i can not get an account elewhere either ( i thoughttttttttt one was innocent until proven guilty!!!!!!!! ) I received check via usps-i did not make the check!!!!!!! Anyyyyyyyy bank should work with theirs customers to stop crime-i did notttttttttttttt make this check i thought it was real obviously or i would not have signed it!!!!!!!!!!!!!!! i was going to be a nun and can not believe being treated like a criminal with noooooo questions asked!!!!!!!! Sinceerely me 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