BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX/XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 an 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 explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/21 I called XXXX XXXX to exercise my right as a consumer to opt-out from my nonpublic personal information being shared with a reporting agency or nonaffiliated third party. The Rep stated, " that all the information is on the privacy page site and they do not issue separate private policy forms for every transaction that I open, and can't let me opt-out of reporting to the credit reporting agencies because it is a lending product ''. So I checked to validate what disclosures were presented, and it wasn't anything stating that I have the ability to opt-out from my personal information being sent to credit agencies. As a consumer, I exercise my right under federal law and request to opt-out from my nonpublic personal information being sent to reporting agencies or nonaffiliated third parties.

A notice was not required Pursuant to federal Law 15 U.S.C 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution PROVIDES or has PROVIDED to the consumer notice. Also, Pursuant to federal law 15 U.S.C 6802 ( b ) ( 1 ) ( B ) and 15 6802 ( b ) ( 1 ) ( C ) I was not given the opportunity to direct that such information not be disclosed to such third party and, I was not given an explanation of how I the CONSUMER can exercise that nondisclosure option.

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 2022-04-12
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:
The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX XXXX XXXX XX/XX/XXXX, they have called me several times and sent emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XXXX XXXX XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Tulsa Adjustment Bureau
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX   XXXX   XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXXXXXX XXXX dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRUIST FINANCIAL CORPORATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to the branch in person and closed all my accounts : checking, savings, line of credit in XX/XX/XXXX. In XX/XX/XXXX I received notice from a debt collector that I owed Truist Bank. That was not the bank I used at the time but has since bought out/merged with BBT. I called and found that my account hadn't been closed and that they were charging overdraft fees the whole time. I never received any notice of this until the debt collection letter. Despite having closed the account I paid all the fees and closed the account again. I submitted a dispute on the ding to my credit score which Truist denied. Yesterday I received notice that the account once again had a negative balance and was apparently still not closed. This caused yet another ding to my credit score. I once again spent multiple hours on the phone trying to get this fixed and once again paid the fees to close the account. I have zero faith that they will actually close the account. I would like the marks removed from my credit score and the funds returned to me for my mistake, but at this point I would settle for them actually doing what they told me they would do 3 times and close my 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 monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
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  Account, XXXX XXXX XXXX # XXXX, had 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 with out 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 explanation
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
Credit card company capital one refuses to accept my dispute request and has denied it despite me providing all necessary documentation they asked for. The case is clear - I am owed {$100.00} from XXXX for a XXXX hotel room I booked that was not as advertised. XXXX refunded the money to XXXX. XXXX refuses to refund the money to me. I have provided proof of that as you can see in the attachment. Capital one demands a letter from XXXX saying they will refund the money, but that is not possible as that is what the dispute is about - XXXX refuses to refund me my money that has already been refunded to them by XXXX. See the attachment for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: TN
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 protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2023-03-02
Company: Block, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Sometime in the summer of XXXX, I applied to rent an apartment. The seller directed me to XXXX, where I was told to make a profile and pay a {$25.00} fee for a credit check. Since then, I have continuously gotten charged {$26.00} every month. At this point it has been so long that I dont even remember exactly when I made the profile, or for what apartment it was. There is no way to log in and access my account online, and I don't have any emails or communications from them that I can look back on. There is no phone number provided to call them. There is supposedly a way to close your account online by simply entering your name and phone number, but once again there is no confirmation email or verification that the account has actually been closed. I tried doing this today, but I am in no way confident that I will cease to be charged. The latest charge was today, XXXX XXXX  of XXXX, and I have had enough. I did some digging and learned that certafax is just a seller through Square ( XXXX ), and that is the way they have been charging me. Please someone have this obvious scam reported and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: I.C. System, 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: Problem with personal statement of dispute

Complaint:
To whom it may concern, My daughter had to have XXXX XXXX XX/XX/2017 at the time we lived at XXXX XXXX apartments. I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not recovery going up and down steps. the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, 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 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX  credit report is getting flooded with soft inquiries from Capital One. I would like these inquiries to stop. Here are the inquiries they've made : XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Roquemore Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
An individual by the name of  XXXX   XXXX  from a company called  ( Roquemore &amp; Roquemore ) in Texas, continues to harass me calling repeatedly not leaving any  detailed messages as to the purpose of the call. I tried calling back several times over the span of weeks, but she never seems to be available. I want this harassment to stop! ... Through research I found out that they are a skip tracing / collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
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: Public record information inaccurate

Complaint:
Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XX/XX/XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  Trustee for XXXX XXXX ( was XXXX   XXXX XXXX then Nationstar ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX  XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XX/XX/XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XX/XX/XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XX/XX/XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from XXXX saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent XXXX  XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been 7 years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OH
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief