BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2023-07-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We deposited {$720.00} in an ATM cash. And the ATM shut down. Midway never gave us a receipt, and now we are out of the money. The bank did put the money back into my account. Did an investigation and they found in their own favor and said they were going to take {$610.00} out of my account on XX/XX/XXXX. I don't know what their investigation involves. Or who counts the money or who has the video? But I run a very small farm. And I have no room for error and I know what money I put in the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file : 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

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 2019-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
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. XXXX XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX  ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXXXXX 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 2023-12-05
Company: Kiavi, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
On XX/XX/2023 we had an appointment for a home appraisal. Our XXXX said he's been in the business for over 25 years. 

He said he'd get the appraisal back to us in XXXX days. 

XXXX days later we received the appraisal report from our lender and I found so many inaccuracies and errors! Due to the low valuation, our lender said we would need to bring {$28000.00} to the closing table! 

Before we renovated the home, XXXX estimated the XXXX to be {$200000.00} but the XXXX gave us a value of {$160000.00}!!! Almost {$60000.00} less!! 

I knew something was wrong so I looked at all of the comp homes used in the report and there were homes on the XXXX XXXX as our home, but not used in the comp! He used homes that weren't even finished yet, homes with an incorrect address and just on a different renovation level for ours. 

I wrote up a report and asked for an ROV. They reappraised the home at {$190000.00} which meant we still had to bring money to the closing table..about {$7000.00}. 

However, I believe the home would have appraised for the amount they agreed to {$200000.00} which would have meant our equity would have covered our closing costs. 

I'd like someone to investigate this company because it cost us about {$7000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.

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 2022-01-31
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. 
I made this dispute with and through XXXX  they decided in my favor. 
The app then revoked my access to their content. Including but not limited to content, that I paid for. 
I tried to dispute this with my credit card company, but they passed me to XXXX, and XXXX said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. 
The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. 
XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00} XXXX {$9.00}, {$9.00} XXXX {$19.00} They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Prime Recovery LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting messages from a collection company about repaying debt that does not match my name. I told them I am not the individual, and they give out information about the person who is in debt, personal information such as name. 

I don't want to be harassed about debt that is not mine, and they should confirm recipient before sharing. I should not be learning about a random persons debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: HI
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 is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... 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 2023-07-21
Company: Advanced Collection Bureau, 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:
On XX/XX/2023, I called Advanced Collection Bureau Inc to learn about an account that appeared on my report. I never received any correspondence from this company in order to exercise my right of validation. The company acknowledged not having any information as it pertained to this account and would not provide such in writing. I disputed the account with the bureau and it came back that the company " certified the information on record to be true and correct ''. I have also asked for the same in writing to no avail. I went in to verify the license of this company. It should also be noted at the time this company listed this account, their license was not active, it was reinstated about 11 months after which.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Balance : {$2900.00} LVNV FUNDING ( Original Creditor : XXXX XXXXBANK ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE XXXX XXXX : {$2600.00}

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 2023-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Company constantly calling on a daily basis with a false caller ID of XXXX. It is actually Portfolio Recovery Associates At ( XXXX ) XXXX. This is what my caller ID shows : Name : XXXX Location : XXXX, XXXX  XXXX I dont have a XXXX  account and XXXX  is not from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Following creditors are falsely reporting accounts to my credit report that were opened without my knowledge or consent. I have already filed an Identity theft report and a XXXX XXXX XXXX report. I demand these be removed immediately from my credit or I will pursue legal action since I am protected under the fair credit act section 609. The following accounts must be removed immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Allied Collection Services to settle debt for a specified amount. Also asked collector to mail all information pertaining to the debt that is wanting to be collected. I was told I would be receiving a response about the settlement in a few weeks. I waited a few months and haven't heard anything back. I then contacted the collection agency again to try to settle the debt and see why I haven't received any information pertaining to the debt. I was given the run around and still haven't came to an agreement to settle or received information about the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX  has a closed account that's not mine on my credit file for the amount of {$860.00} this is not my account I have no knowledge of this account I have filed a police report an sent in information to these Credit Bureau it was opened 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit report. 

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

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 2023-06-07
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: Information belongs to someone else

Complaint:
This is my several endeavors 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 alleged fraud or extortion. 
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

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 2023-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX the loan on my house was sold to a group of investors. My husband became sick and medically XXXX. I called Wells Fargo bank and they did a temporary loan modification on a variable loan but would not refinance due to my income was not enough and my husband was pending federal XXXX which further disqualified us. The payments became so high and the bank foreclosed in XXXX. We attended workshops out in XXXX, CA where other different ethnic people were able to modify to a reasonable permanent loan and were celebrated with bells and whistles. We literally were the last people out of the place ( we are XXXX  ) and was informed by Wells Fargo that we didnt qualify for a permanent loan modification due to our loan was sold to a special group of investors that would not modify it. This whole ordeal has led to my divorce and Im still currently unstable with living conditions. This was unfair practices as we were in a recession and my husband and I were discriminated against

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am submitting this complaint to address issues regarding incorrect personal information reporting on my credit report. This information does not belong to me. I need this fraudulent information removed 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 explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have been locked out of my Transunion account for over a year. I have been trying for over a year to get someone to help me. Getting through to a person on their customer service is really hard. When I get someone on the line, they say it is fine, but I am not able to get in. I've tried so many things, speaking to different customer support agents, over and over, and it's the same thing ... hours on the phone, hours dealing with being transferred, and no access. 

I can't get anyone to help me from Transunion and the situation has become really insane. 

I should be able to access my account and see my information online. Please help!

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