BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My Reverse Mtg was assigned to HUD in XXXX. With the last 2 mtg companies I have easily and quickly been able to draw down on my equity to supplement my social security, I am XXXX and it pays for my caregivers. After the assignment of this mtg to HUD ( Compu-Link is the Servicer ) I was sent a letter asking for various pieces of information that I provided, ( Proof of paid prop.Tax and Insurance and another letter asking if I lived in my home. ) All were returned promptly. I was also told that Draw forms were included with that letter. No forms were included. I called and Emailed and requested forms. I had help from my daughter XXXX. We got forms 2 weeks later. ( Unacceptable in my opinion ) We filled out the request for funds, {$2000.00} I have called only to be told it is Pending? Pending? What is happening here. Last request waS FAXED XXXX. It is now XX/XX/2023. No response. I am beside myself. I will lose my caregivers if I can not pay them. I need living money. Just want to mention there is no phone or fax to the Servicer of this loan, Compu-Link... How is that possible. Perhaps we should rename them to Incompetent-Link.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
transunion XXXX and XXXX all have my concerns about identity theft i have no knowledge of the following accounts including XXXX XXXX and XXXX XXXX. i have asked them to either perform a proper investigation and to remove these things from my consumer file for 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Accounts XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-08
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have asked for verification documents including the original signed contract, dates the account was open/closed and deatiled fees and interest charges. I have not received anything pertaining 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 explanation
Consumer complaint received 2023-05-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my recent credit report and noticed a collection from IC Systems for a Debt with XXXX XXXXXXXX XXXX  XXXX. I was told that this was a joint account. I have never had a joint account for XXXX XXXX XXXX. I have never signed a contract or authorized a joint account. IC Systems has also never called me, the failed to send me any communications or validation notice. I only found out about this debt when it showed up on my credit report. This account is also for an address that is not mine. I have called both XXXX and XXXX requesting that they validate this collection. They have not sent me confirmation that the debt was mine. 

Date : XX/XX/23 Amount : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-15
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To whom this may concern, Please be advised that this is my 4TH WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 
This is my final attempt to ask Equifax to removed this hard inquiry that not suppose to be on my credit profile as I explained the reason in the pass that you ignore. I have a life and can not be wasting hours keep calling around when clearly the mistake is not me. 
I will pursuit this to legal matter if this is not resolve asap it can Jeopardize my refinancing home approval right no. We can be a homeless if I dont have a clean credit record to show the lenders that this inquiry is not suppose to be on my credit report. 
Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a smart bed from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I paid with my XXXX XXXX XXXX XXXX XXXX  for the full amount without financing it. The bed was delivered on XX/XX/XXXX. Before I unboxed bed, I could smell the unbearable horrific odor. Along with the smell, there was also mold all throughout the bed. I immediately notified XXXX XXXX of this unacceptable furniture delivery, they had me take pictures and through several emails, they agreed to pick up the bed and send me a replacement. In addition, they also included white glove delivery service, and complementary installation for the replacement bed. 
Second bid delivery was on XX/XX/XXXX. Same unbearable smell, with less mold stains. 
Once again, I notified the furniture company. They asked for pictures again, which was a long and inconvenient process, especially considering this was the second time. 
At this time, I was no longer ready to give them another chance, I just wanted them to come get their bed and refund my money. They refuse to do so, and wanted unreasonable options, for example, to have a cleaning company, inspect my bed along with {$100.00} XXXX of the next purchase. After several attempts for them to come get their bid, and refund my money, I decided to go a different route. XX/XX/XXXX I reached out to XXXX XXXX XXXXXXXX since that was the original form of payment, and started a dispute claim. 
I submitted to XXXX  XXXX XXXX all my saved emails between XXXX XXXX and myself. XX/XX/XXXX XXXX  XXXX XXXX judged in my favor and awarded me the full {$4100.00} back to my account, shortly after words when I thought I could put this behind me I was still getting emails from XXXX XXXX not happy that I was awarded the case and the {$4100.00} was refunded they vowed to get their money back from me. Fast forward to XX/XX/XXXX. I periodically check my credit report through XXXX XXXX, I notice that there was a collection on my account for {$4300.00} through Allied Collection SE. opened XX/XX/XXXX. This frustrated me beyond belief, I was never notified by this collection company. No email, no phone call, no postal letter. As I stated earlier, original payment form was through a XXXX XXXX XXXXXXXX debit card, for full amount, not a finance which that payment was reversed due to XXXX XXXX XXXXXXXX investigation which included XXXX  input. I will include XXXX XXXX XXXX letter stating that they reversed the payment. I would like to file a complaint against Allied collection. S E, and I will file additional complaint with the appropriate agencies for XXXX XXXX. 
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 explanation
Consumer complaint received 2023-01-17
Company: ALLY FINANCIAL INC.
State: RI
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:
XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  inquiries from unknown times same day by some one else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Savvy Money, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It states that I open a line of credit in XXXX XXXX XXXXXXXX XXXX I closed on mortgage XXXX do not have open mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I informed USAA on over 4 occasions that my checking account # XXXX was a subject of fraudulent activity. On XXXX XX/XX/XXXX, a transfer of {$5000.00} dollars went into the account while simultaneously a transfer out of {$5000.00} went out to an account ending in XXXX. I did not make any of these transactions nor do I know what this account is ending in XXXX or who owns the account to where the {$5000.00} was transferred too. There was never {$5000.00} to transfer. 

I also had similar activity around XXXX XXXX in my saving account ending in XXXX with three different transactions of {$5000.00} each time to a total of {$15000.00}. I filed a fraudulent claim and USAA confirmed the fraud in that they mentioned someone had my wifes information and broke into the account. USAA brought the account to the original balance prior to the fraud, and I closed that account. 

I feel USAA is not even investigating this fraudulent transaction on my checking ending in XXXX nor looked at the notes from my closed account where the fraud investigator clearly found fraudulent activity. I have spoken to numerous USAA employees and have gotten nowhere. I asked for the information of this mystery account ending in XXXX and they will not provide it. 

I also question USAAs banking procedures where they accepted a {$5000.00} dollar deposit and issued a {$5000.00} withdrawal immediately on the same day without waiting for the funds to clear. 

I do not use this account very much and my last activity prior to the fraud was back in XX/XX/2022. 

Please help me in any way you can. USAA has gone downhill over the last 10 years. I have been a loyal customer for over 20 years and my loyalty is waning. There must be some banking procedures they violated by allowing transfers of {$5000.00} to occur simultaneously without a waiting period for the funds to clear. 

I did not make these two transactions and I know sit {$5000.00} in debt of which I did not commit. 

Thank you in advance, COL ( Ret ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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