BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
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:
To whom this may concern all 3 bureau TransunionXXXX XXXX and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-06-22
Company: Experian Information Solutions 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:
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 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 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 explanation
Consumer complaint received 2020-07-18
Company: Colony Brands, 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:
Today I received an inquiry from swiss colony where I was the receiver and not the buyer, My sister was ordering a gift towel set for me from there but did not use my SSN, just my name and address and somehow swiss colony pulled my credit report instead of hers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to apply for an account at your company. I did not authorize these inquires. Take appropriate steps to remove information about this account from my credit files. I ask that you all remove these fraudulent inquires. I have contacted XXXX  and they said that inquires are factual record but my Identity was stolen and they have not sent me proof neither did these companies that pulled my credit, same goes for TransUnion. If this isn't fix i will have no other option but to take companies involved to small claims court. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX  XXXX  XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- 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 explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1.My debt was paid to the original creditor, XXXX XXXX, in full. I have no outstanding debt with XXXX XXXX, and no reason for Portfolio Recovery to continue to claim that I do. 
XXXX. I notified Portfolio Recovery that a. the debt was already paid and gave them documentation that showed proof of this payment through both email, chat and priority mail service. b. they continue to incorrectly report an open account with them to all three credit reporting agencies. c. that since the debt was already paid, they had no right to report my account to those agencies. 
XXXX. Portfolio continues to report that I have an account with them that is unpaid and open. I have given them verifiable proof, and they are just ignoring it to be malicious. Each of the reporting agencies has verified that Portfolio Recovery maintains it has an open account for me for the referenced debt. 
XXXX. As the debt was paid to the original creditor, Portfolio Recovery is required to remove their notation from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 non-monetary relief
Consumer complaint received 2018-05-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
ONEMAIN XXXX XXXX XXXX. XXXX, TX. XXXX ( XXXX ) XXXX, In XX/XX/XXXX I contacted the XXXX XXXX XXXX by submitting a complaint online on their website in regard to the company listed above known as OneMain Financial. I submitted a complaint that the company was illegally using phishing postal mailing scams for pre-approved loans in order to false-fully obtain credit information from prospects, I was a victim of it. The company used false advertising in order to obtain my credit information in which they ultimately denied any type of pre-approved loan. The branch office was located : XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. I submitted corporate 's information to handle the illegal phishing scam. I have two ( 2 ) Hard inquiries on my XXXX credit report from ONEMAIN in which I already submitted claims of fraud/scam in which I did not authorize or make any hard inquiries in order to access my personal credit report. The dates reported : XX/XX/XXXX- Reason " Unspecified '' XX/XX/XXXX - Reason " Unspecified '' I was a victim of the original phishing scam on XX/XX/XXXX in which I did give my information but it was used against me since I was ultimately denied after supposedly already being pre-approved. However, XX/XX/XXXX I did not contact or authorize this company in any way shape or form due to the fraud/scam already reported to the XXXX in XX/XX/XXXX. I reported that I did not want any contact from this business whatsoever as it would be considered harassment. The XXXX. also rejected a recently submitted complaint and responded that that OneMain Finacial headquarters located in the state of Illinois is no longer in existence to be contacted. The above contact information should be valid as it is actively/ presently reported on my credit report. *Please see XXXX  credit report uploaded as an attached document and the black circled areas as they pertain to the hard inquires I am disputing. 

***OneMain Financial Corporare Headquarters Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
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/XXXX I sent Equifax a certified letter in which it showed it was received on the 12th outlining how Equifax violated my rights as a consumer under 15 USC 1681. On top of violating my rights Equifax also failed to respond within 30 days. I am just now receiving an update and response to my letter on XX/XX/XXXX. The subsections Equifax violated are as follows : 15 USC 1681- ( a ) ( 1 ) 15 USC 1681- ( a ) ( 2 ) 15 USC 1681-a ( 3 ) 15 USC 1681-a ( 4 ) 15 USC 1681b.2 This situation has been very frustrating and the reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a pre approval solicitation in the mail on XX/XX/2018. I applied for the card assuming I would qualify as Ive worked really hard at rebuilding credit. I was declined and now my credit score will be  negatively impacted. I would never had applied if it was not for the marketing solicitation Ive received. I called the company and asked for them to remove the hard hit and they refused. Please help me get this hard hit removed from my credit report

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 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX XXXX. I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY 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 2023-01-30
Company: January Technologies, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with XXXX  through the application. 3 loans XXXX XXXX XXXX XXXX XXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One XXXX  rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the XXXX  app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00XXXX XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX  dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on Equifax with the date of XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: Was not notified of investigation status or results

Complaint:
After reviewing my most recent credit report. I've notice that Transunion, XXXX, & XXXX. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX  XXXX  XXXX. 

Notice two accounts 1 ) XXXX XXXX and XXXX original creditor ; XXXX balance {$3500.00} XXXX ) XXXX XXXX and XXXX original creditor ; XXXX  XXXX XXXX  XXXX  balance {$1900.00}

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 2018-09-27
Company: Experian Information Solutions 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:
Since XX/XX/2017, I have tried to have 2 incorrect accounts removed from my credit report, because I have not done business with the institution. I have all sent the bureaus a fraud affidavit in this regard and the 2 fraudulent/unknown accounts still exist on my report. I noticed Experian has a wrong social security number on my report. I have sent in my social security card and they still have not correct it. I believe that is how the two accounts got placed on my credit due to the wrong social security number.. 

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 2023-01-29
Company: Experian Information Solutions Inc.
State: MI
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 ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.

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 2023-01-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.

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 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i was offered {$300.00} if i opened a business checking and credit cards with bank of america after a bank visit. then i opened it in XXXX with the help of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

i met the conditions for the {$300.00} bonus. but i have not yet received the bonus. i went back to the branch and checked with XXXX XXXX. He confirmed that all conditions were met and he submitted a request to the back office. it 's not resolved and then he requested again. still so far, i have n't seen my bonus yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
So I sent a letter off on XXXX XXXX and XXXX XXXX .To remove personal information and account inaccuracies that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO financial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights. For the record, the following information is being erroneously included on my credit reports I advised you on 2 separate occasions, more than 75 days and again 40 days ago : ACCOUNT 1 : XXXX XXXX XXXX, Account # : XXXX XXXX, ] ACCOUNT 2 : XXXXXXXX XXXX  account # : XXXX XXXX ACCOUNT 3 : XXXX XXXX  account # : XXXX XXXX ACCOUNT 4 : XXXX XXXX XXXX account # : XXXX ACCOUNT 5 : XXXX XXXX XXXX  account # XXXX ACCOUNT 6 : XXXX XXXX XXXX account XXXX XXXX ACCOUNT 7 : XXXX XXXX XXXX account # 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 2020-07-27
Company: EQUIFAX, INC.
State: GA
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:
XXXX ( XXXXXXXX XXXX ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX  and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. XXXX sent a affidavit clearly that the account was closed and SOLD to XXXX XXXX XXXX while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX was not authorized to charge my card {$300.00} on XX/XX/2023 or any other date.

Company response to consumer: Closed with explanation