BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit reporting agencies : XXXX, XXXX, Transunion. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
XXXX XXXX XXXX reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Conversion for Accounts my rights have been violated for accounts ; # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX 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 authorization 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 2019-11-26
Company: EQUIFAX, 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:
On XX/XX/XXXX, I attempted to lift the credit freeze for a company and found the freeze had been lifted already. The credit freeze lift was done without my permission. I called Equifax ( XXXX ) stated the credit report freeze was placed XX/XX/XXXX - XX/XX/XXXX. I asked how and who requested the credit lift on my credit report and requested a copy of the letter for the credit freeze lift. I do not request a temporary freeze lift in writing because I use my pion online which is faster. Then I asked for a confirmation number for the temporary credit freeze lift. The request was in writing so I would not have a confirmation #. 
I think is part Equifax Data Breach!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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 Thank you once again for the concern

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
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:
Equifax has assumed this role without my permission, and did not exercise their GRAVE responsibility. They have been UNFAIR and IMPARTIAL and did not protect my privacy. 

Pursuant to 15 US 1681B ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a automatic monthly transfer from my saving account to my checking account. On X/XX/2017 sufficient funds were not available on my checking account for this automatic in house transfer. Instead of canceling or delaying this transfer, the bank processed an overdraft protection transfer, from my saving to my checking account. Then it processed the automatic monthly transfer, sending the money back to my savings account, and then charged {$12.00} for the overdraft protection transfer. So monies went from my savings to my checking, then checking back to my savings, but {$12.00} was not, the bank kept that'l.
<P/>
I understand the transfers " worked as they were supposed to '' but this is an unfair practice and only hurts the consumer, to gain revenue. The bank needs to relook at this practice so that it helps the consumer, not the Bank.
<P/>
I am requesting the {$12.00} overdraft protection fee be reimbursed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-08-16
Company: Experian Information Solutions 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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Block, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed a charge on my card that wasn't mine and I contacted cash app and they tell me to contact the merchant. I contact XXXX and they tell me it must be taken up with the financial institution. Cash app is doing nothing to help me. I did not initiate or authorize the transaction. I want my money refunded. This transaction took place at XXXX pm on XX/XX/XXXX. The amount was {$100.00}. Cash app don't even provide me a transaction number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector IQ Data International , Inc. has committed two violations : ( 1 ) it is attempting to collect an alleged debt for which the statute of limitations has run ; ( 2 ) it is attempting to collect a debt without providing a valid verification of debt upon my written request. 

In or about XX/XX/XXXX, IQ Data attempted to collect a debt that was alleged by a former landlord with whom I had a dispute. In my opinion, the landlord owed me $ XXXX. Nevertheless, landlord sent its alleged debt to IQ Data. In XX/XX/XXXX, IQ data sent me a letter attempting to collect the alleged debts. I responded within 30 days of this letter, requesting a verification of debt in the form of the contract upon which the claim is based or the judgment against me. IQ Data responded with an indecipherable document with two itemized charges and descriptions that were not revealing of what the charges were, nor any evidence of a contract or judgment against me. I informed IQ data of this by mail promptly within 30 days of its letter to me, explaining that they had not verified anything, and I re-requested a verification of the debt.

I did not hear from IQ Data until today, when I received a letter dated XX/XX/XXXX from IQ Data offering to compromise the debt against me and informing me that they had or intend to report me to credit bureaus.

Californias statute of limitations is 4 years when based on a written contract. Although IQ Data has not produced such a contract its allegations are of a contractual basis for its collection. However, per IQ Data, this debt was due and payable in XX/XX/XXXX. IQ Datas claim if it existed at all is no longer enforceable by the laws of California. It is abusing its power and wealth to leverage the average consumers lack of knowledge of the laws to extract money that is not legally collectible.

The debt collectors information is below for your information.

IQ Data International, Inc. 
XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX Account Representative : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: SC
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:
Am a natural person I am a living human being I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To someone in a position of authority, I am making a formal complaint because The Department of Veterans Affairs has placed information on my report without my consent, and without validating the debt. I reached out to the department over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian and XXXX ; I made a formal complaint with Experian, XXXX, and the Department of Veterans affairs and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. 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 2023-10-07
Company: Atlanticus Services Corporation
State: MO
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:
Cease and Desist Communication Regarding Charge off I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it. According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt. 2. Do not report this debt to all credit reporting agency and request for deletions to credit reporting agencies. 3. Do not sell or transfer this debt to any other third party. 4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt. Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. Your immediate attention to this matter is expected and appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Checkr, Inc
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was arrested on XX/XX/2021 however the accusation was false and after an investigation was completed by a Detective I was released immediately and no charges were filed. Now it is on my background report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our first and second mortgages with First National Bank in XX/XX/XXXX. The account was escrowed. 

On XXXX, we received a delinquent tax notification in the mail for the XXXX County Treasurer 's office. The bill states {$1500.00} has not been paid. 

I have notified the loan officer, XXXX XXXX. I have also notified the branch manager, XXXX XXXX. We have had mortgages with First National Bank for over 5 years. At no time have they ever failed to pay the property taxes as agreed to per our loan documentation until now. The notifications have been placed in writing via e-mail. 

I am asking that they send out the amount due promptly to the treasurer 's office. If there is a late fee or interest due because of failing to pay it, they will need to absorb it, because it is clearly their fault the amount has not been paid. We are not responsible for this amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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