BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-07
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2019-05-10
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The reverse mortgage was taken over by XXXX from XXXX XXXX on XX/XX/XXXX. In XXXX, XXXX they asked for proof of insurance, and it was sent over to them. They sent a second notice, and again proof of insurance was sent. On XX/XX/XXXX they put their own insurance onto the property because they said that they never received the proof. After many attempts to correct this, they finally refunded the forced insurance premium on XX/XX/XXXX saying that they now have the in force insurance that had been in place all along. However, they said that since " they '' did not receive the policy in time, that they can change the terms of the contract and drastically reduced the monthly amount they are paying on the reverse mortgage. They wanted me to sign a document agreeing with the " new '' payment plan, which I did not sign. It appears that there may be some fraudulent action taken by XXXX by just saying that they didn't receive the proof of insurance so they can change the terms of the contract and reduce the money that is paid monthly. I have called them several times over the past 2 months to get them to reinstall the correct payment, and they refuse. Please let me know what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are stopping from the ability to obtain new lines of 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 non-monetary relief
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my grandchildren

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Transunion is given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date 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 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Another person 's credit information is showing up in my credit report I have only one major credit card under my name but lot of information coming up isn't related to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$640.00}, XXXX XXX Date Opened XX/XX/XXXX Balance {$100.00}, XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX/XXXX  XXXX  Inquiry Date XX/XX/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 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

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 2022-08-29
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
Hello I've been having issues with all three credit bureau 's and the practices that they are using to verify account and allowing someone to still make inquires without contacting me due to me putting a fraud alert of my credit account. I keep sending letters about addresses, as well as collection accounts and names on my consumer report that are not mines. I've called and requested that they remove an address that is not mine XXXX XXXX XXXX XXXX XXXX Indiana XXXX. Also the credit bureau 's are required to report correct information on all three bureau 's and they are not. I have attached letters as well as my credit report with this information.

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 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
On XX/XX/XXXX, my husband and I filled out a credit application with XXXX of XXXX. Immediately upon completion I received a phone call from the sales person I had been working with, XXXX. He informed me that the car smelled of cigarette smoke. We had not see the car as the dealership is in New Hampshire and we live in Maine. We were trying to complete as much of process online as we could before traveling. Once we were made aware of the smoke smell we decided not to go further with the transaction. I explicitly asked and confirmed on the phone with XXXX that nothing would go forward with applying for financing, pulling our credit report, etc... he assured me it would not. 

On XX/XX/XXXX, late in the afternoon, I started to receive alerts and emails that there had been a change in our credit report. I also receive an email from XXXX XXXX that our application has been submitted. I immediately called and spoke with XXXX. He explained that they had made an error in cancelling our appointment to purchase the car. Therefore, the business manager had done a credit inquiry. They said it was just an inquiry and nothing further. I did not push the issue at this time as the inquiry would not have an effect on our scoring. 

Monday, XX/XX/XXXX, I checked both mine and my husband credit report and it shows as a " hard pull '' and has decreased our credit scores. I reached out to XXXX, the finance manager at XXXX. He maintains that it was an inquiry due to an error in their scheduling. He also states that they did not apply for credit with XXXX. I explained to him that it is appearing on my credit as a hard pull and I would like to have it removed from both mine and my husbands reports. I told him I would be filing a complaint with CFPB because we still need to purchase a car and do not want multiple pulls of our 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
UPDATE TO ALL BOA COMPLAINTS : FAILURE TO PROVE LETTER OF DENIAL YESTERDAY XX/XX/22 XXXX XXXX MEET WITH BANK OF AMERICA ( HEREIN AFTER " BOA '' ) @ THE XXXX XXXX XXXX XXXX MORTGAGE EXPERT XXXX. 
AFTER GETTING A CASHIER CHECK FOR HIS HOA DUES, ASKING WHY HIS ORDERED CHECKS STILL DO NOT ARRIVE A BOA LOCATION HAS GIVEN HIM NO CHARGE CC ' FOR THIS MONTHLY PAYMENT! 
XXXX XXXX TOOK ALL FINANCIAL INFO, STATED THAT THE MARKET VALUE OF XXXX XXXX CONDO NOW @ {$190000.00} BUT BECAUSE XXXX XXXX DEBT RATIO AFTER MONTHLY DUES, XXXX DUES, INS.UTLITIES @ ROUGHLY {$1100.00} WOULD DISQUALIFY HIM TO APPLY FOR A MORTGAGE WITH BOA. THAT XXXX XXXX WOULD NOT ACCEPT. 
THIS IN SPITE OF XXXX XXXX MORTGAGE WITH SAME FIGURES BUT A SALE PRICE OF {$100000.00} ON XXXX WERE APPROVED THRU XXXX MORTGAGE /ASSUMINGLY XXXX XXXX & ON TOP OF THAT XXXX XXXX HAS NO LATE PAYMENTS OF ANY NATURE. WITH MINOR GLICTHES ON XXXX RECENT CREDIT REPORT THAT WERE ATTEMPTED WITH COURT FILINGS THAT THE COURT FAILED BECAUSE OF COVID TO PROPERLY SCHEDULE & HEAR THE RATIONAL FAILS TO COMPARE TO THE PREVIOUS APPROVAL BY AFOREMENTIONED. 

XXXX XXXX FAILED TO PROVIDE A LETTER OF DENIAL TO BE ISSUED & CONFIRM ONE WOULD NOT BE PROVIDED. 
THIS IS WHILE BOA HAS REPORTED A CLAIM EXCESS OF CREDIT USED BY XXXX XXXX CREDIT CARD WITH THE REMIANING BALANCE CONSISTING OF DISPUTES & INTEREST.THAT THE ATTACHED NOTICE TO LITIGATE HAS BEEN SENT!

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 2022-08-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act ASSETCARE LLC Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions. 


in accordance with the fair act reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 is also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: CO
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:
MasterCard allowed a Best Buy XXXX, Co, membership renewal fee of {$200.00} to be processed even though I disputed the charge after the fact since Best Buy never, never, notified me that that annual amount would be charged to my MasterCard. Best Buy did not send me an email or a snail mail stating the the annual renewal and Best Buy can not prove they sent such notifications : They simply stole with Master Card approval the {$200.00} from me, : MasterCard stating that if I didn't pay they would report my otherwise perfect payment history and credit rating to the three most so-called trusted credit rating systems in the U.S. In other words, MasterCard in link BB were going to ruin me and it seems gladly doing so. MasterCard said I had to PROVE that I tried to contact Best Buy. I explained in a dispute to MasterCard that Best Buy when I found out about this charge through my XXXX statement, I called BB five different time and was on hold for over an hour each time, thus having a total hold time of more than six hours. I was never able to get in touch with BB. Additionally Best Buy in XXXX, Co where I live was closed for months due to covid, yet I had to prove the phone calls and BB being closed, which meant the responsibility of evidence was on me -- a perfect MC client. The proof really is on Best Buy to show they sent early notification of renewal chargers! I want my membership fee -- all of it returned, which would be a big surprise! I dropped MC like a hot XXXX since they can not treat a client who pays the monthly statement in full and on time and who has been with MC since 2015! CREDIT CARD COMPANIES NEED TO REALIZE THERE ARE TWENTY OR THIRTY MORE CC COMPANIES WAITING IN LINE FOR OUR BUSINESS!!!

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