BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
It should be known that this complaint is filed against both TransUnion and XXXX for reporting incorrect information, invalid information and incomplete information from my credit reports. Said information is violating the FCRA and due process of federal law and is affecting my credit score and potentiality for credit. The adverse information is from a account named XXXX XXXX XXXX under account number XXXX for {$140.00}. This problem was disputed with both TransUnion and XXXX and both credit bureaus denied my disputes and deemed all information in reports to be correct and verified. No other disputes are pending for this account. Said errors and discrepancies are asserted below and in support of this complaint, a copy of the consumers smart credit 3 bureau report is enclosed for review so all errors and discrepancies can be ascertained and be validated. The said errors and discrepancies are : 1. Both reports from TransUnion and XXXX are missing date account was closed. 2. Both reports from TransUnion and XXXX are missing date of last activity. 3. TransUnion reports this account under account status as open. This is a account that has been closed, sent to collections, and sent to a collection agency. No collections are open accounts and this account is closed and should not report as a open account. 4. Both bureau reports are missing past due amounts. 5. Both bureau reports are missing date of last payment. 6. TransUnion report says under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. 7. Under Creditor 's Remarks it says account disputed on TransUnion report. Said dispute has been over and no other disputes exist. Once dispute is over, TransUnion was obligated to remove all codes and remarks about disputes from the report, which TransUnion failed to do. 8. XXXX report shows under Dispute status and Creditor 's Remarks that account is disputed. Said dispute is over and no other disputes exist. XXXX was legally obligated to remove all codes and remarks about disputes from the report but failed to remove them. All errors are blatant, are numerous, and violate the Fair Credit Reporting Act.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I demand that you exclude the following transactions from my consumer report. According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

See transactions below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WELL PNC BANK IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT REPORT WITCH ACCOUNT VIOLETS THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've been the victim of Identity theft and these adverse actions reporting on my consumer credit report is preventing me from pursuing life, liberty and happiness. I'm unable to purchase a home for me and my children.

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 2023-12-21
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
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:
I check my scores twice a day. Ive notice that my XXXX score was do to rises but it didnt not Ive also notice that from the FNBO complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2019-08-05
Company: EQUIFAX, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
this account has an unknown balance and does not belongs to me and they have the wrong last name on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Genesis FS Card Services, Inc.
State: OH
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:
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 : 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Global Asset Agency, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was recently informed earlier this month by a credit monitoring service that Global Asset Agency reported a collection account on my credit report ( copy is attached ). I have never heard of this organization nor have I ever received any correspondence from this organization in any manner whatsoever. 

By law, no organization can just arbitrarily report a collection account on anyones credit report unless they have legal standing to do so and have substantiated their legal standing in writing with appropriate documentation as to what their legal standing is. That is certainly not the case with this organization whom I have never received any correspondence from. 

I just sent a letter to this company ( attached ) to remove this collection item immediately from my credit report or I will pursue all legal remedies available to me allowed by law. This could have a significant impact on some financing I am currently pursuing and their illegal actions may cause me considerable financial harm. 

I have asked that they provide all appropriate documentation substantiating their legal standing in any account that I may have a financial obligation. By law, they must provide this documentation before they can proceed with any collection efforts and certainly before they can legally report a collection account. 

Until such time that said the appropriate documentation can be provided ( and I also have the legal right to review and dispute the documentation ), their reporting of my account as a collection account is a violation of the law. 

In the event this collection item is not immediately deleted by this company from my credit report, I will also report their illegal actions to the Attorney General of their state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account 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 2021-09-02
Company: EQUIFAX, INC.
State: GA
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:
Ive sent several letters to the bureaus and have no XXXX anything back. My first letter dates back to XX/XX/2021. There are inaccuracies in my report that they have failed to investigate in the appropriate time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX WA. XXXX To whom this may Concern : Equifax XXXX XXXX  XXXX XX/XX/2023 My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items listed below attached to this letter deleted from my consumer reports immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts and inquires from my Consumer reports.

Thank you in advance for assisting me with issue. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NJ
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Self Financial Inc.
State: NJ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I was using the SELF app today XX/XX/2023 because I have a credit card and a credit builder account with them. On their app, there is something called Rent and Bills, it states Get a credit boost by adding your rent payments and bills. It then continues to ask for your bank information using plaid so you can sign in and pick the bills you want to use for an additional credit score boost. After, and only after they take all your information and sign in to your bank account seeing all your payments and charges, they then ask you to pay a monthly subscription to get the boost. This is very deceptive and it is not right! I have pictures from the app. I proceeded to chat with SELF customer service in the app chat section, got a live agent and asked them to remove my information immediately. SELFs own agent responded with you will have to contact a different company! Called XXXX. I went to XXXX and their agent XXXX XXXX replied with Please know, your rent+bills account and self account was a separate account however, rent+bill is another feature that self offers. I see and I understand where you're coming from. For your rent+bills ( XXXX ) account I see that you don't have a subscription yet but I see that you already linked your bank account. I can delete your bank if you're not ready to use your rent+bills account. 

The add was on the app itself that listed my account details for my credit card, overview, options to make a credit card payment, and then the same type of list stated boost your credit with your rent and bills. This wasnt a little add with an XXXX. This was just listed nonchalantly as if it were apart of my credit building service. 


I didnt get to screenshot the last photo after adding my bank info and selecting the bills for the rent boost but take my word for it. They asked me now that they had my info, to please pay a monthly subscription premium of $ XXXXBut all the other photos are ones that lead up to that page and nowhere does it disclose that payment or purchase is necessary! Im sorry but im not going to add my bank details again just to get the screenshot of the company asking for money. Unless someone explicitly asks me from the consumer affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Unifin Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unifin keeps calling and messaging me about a debt I do not owe. I just recently turned XXXX ; I don't even have a credit card and have never taken out a loan, not even student loans. They have absolutely no reason to be contacting me. Many other customers have lodged complaints about them and frankly this is ridiculous.

Company response to consumer: Closed with explanation