BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX and I am writing to you in reference to Experian reporting the wrong and undeliverable address on my credit report. I have sent several disputes and tried to remove these addresses several times. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX. I will attach my utility bill. I need you to remove the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- the address is not deliverable and must be removed from my report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX- this address is not deliverable and must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX - this address is not correct and undeliverable please remove this from my report. 
I will attach a copy of my Experian report from XX/XX/2022.

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 2021-10-30
Company: Affirm Holdings, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts for Affirm were closed and the debt has been i paid in full, accounts show still owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a XXXX Card underwritten by notorious liar  XXXX XXXX XXXX XXXX ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I sent a dispute letter via certified mail to XXXX, Transunion and XXXX asking to have all Billing Errors removed under 15 U.S Code 1666b and 15 U.S code 1681b. These errors are currently causing me hardship.

The companies are as follows : 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 2021-01-28
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Most recently ( XX/XX/XXXX ) a payment was made to Hunter Warfield against threats of legal action by two male reps within this companies Legal Department. I made a payment of {$170.00} plus a processing fee of {$9.00} on XX/XX/XXXX using a credit card to begin payments. However, as I have complained to the company itself the debt account is for 3 individuals total. I assume due to being the only one calling to attempt to settle the debt I was harassed and forced to make such large payments. I have requested the company afford me the opportunity to set up payments each month for {$50.00}, but Customer Service would not assist claiming I had to pay the minimum ( at the time ) of XXXX. I was unable to do so and that is why the debt went unpaid until XX/XX/XXXX. I truly want to repair my credit and get this debt paid off. My complaint to you is that as one of three people I cant truly afford XXXX a month. I have other debts and its a strain on paying my regular cost of living expenses. Nothing luxurious just referring to my rent, gas, lights, and water. The luxurious bills of any are phone, cable, internet, food, etc. I am seeking assistance from a third party as I only want Hunter Warfield to assist me and allow me to pay {$50.00} a month for now. I set up a 6 month draft for XXXX/mo plus the XXXX processing fee due to the Pre Legal Departments threats to take further legal action. As a single parent of XXXX  XXXX  I can not afford to let my check be garnished or any other actions that may occur. I tried emailing and making phone calls to multiple people with no response. Those individuals are XXXX XXXX, the support services email, an XXXX email address provided in response to a bad XXXX review I posted, and a number ( XXXX ) provided on the same bad post reply. All the emails end XXXX. Again, I would like a fair payment arrangement for myself as I am not the only one on this account and the times I have attempted to speak with the Pre Legal reps ( all males ) I have been laughed at for requesting the opportunity to pay {$50.00} and/or had very rude reps to the point I did get upset and argued with them as I felt I was being bullied and disrespected. Please help.

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 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Atlanticus Services Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX XXXX consumer natural person and original creditor of an open end credit plan was denied my right of credit by XXXX XXXX. I was notified of this transgression specifically XXXX XXXX XXXX The Truth in Lending Act by XXXX  XXXX ( XXXXXXXX  ) on XX/XX/2021 on their website after completing my pre approved online application. I as a natural person was harmed by XXXX XXXX adverse action taken against me denying my rights of which the civil damages pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are up to ( XXXX XXXX XXXX is now civily liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Allied Collection Services, Inc. (Nevada)
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit cards and wallet was stolen and used in Nevada I reported the cards stolen and filed fraud with my credit card company I was found not responsible for the charges and the charges were removed from my credit cards. This company allied collections has purchased the charge back and are trying to collect on a fraud charge. They placed it as a debt on my credit

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-12
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$4100.00} Date Opened : XX/XX/2019

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 2019-12-03
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/18 {$210.00} Inquiries : XXXX - Card Service On-site Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a bunch of hard inquiries on my credit report and the only one I did was the one from XXXX for my XXXX credit card. Ive sent them all letters to dispute them but some of them sent me letters saying that I did request credit for a new car.

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 2023-08-07
Company: Lockhart, Morris & Montgomery Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
these C.R.A are putting illegal tranaction on my report, with I do not want them on my report, I have a right to privacy, I didn't give my written consent, title 15 section 1681 subsection 602 A says I have a right to privacy, also I didn't give consent to report any charges off late payment, or derogatory information 15 u.s. codes 1681 subsection 604 A, states that, titles 15 section1692 states the debtor shall have no communcation with the consumer, I want these item deleted from my report, and a XXXX fine for each volation, XXXX and XXXX never validated the debt they never respond it been 40 days

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 2017-09-29
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial Credit Network has purchased  every fraudulent collection account that was previously on my credit report  and reopened them and are attempting to collect on these accounts which are not mine.COLLECTIONSFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpenedXX/XX/XXXX-$XXXXOriginal creditor: XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
I want Chex Systems, XXXX XXXX XXXX and XXXX to add and report the following personal information on my Chex Systems, XXXX XXXX XXXX and XXXX XXXX file and consumer report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota State ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Cell Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX , Employer Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Employer Start Date : XX/XX/XXXX, Employer End Date : Present, Annual Income : {$85000.00} to {$150000.00}

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 2022-10-31
Company: Experian Information Solutions Inc.
State: MA
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, # 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

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 2021-02-18
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an outstanding debt for directv/att that was sent to Sunrise Credit for the amount of {$290.00}. I called the credit agency ( sunrise credit ) on XX/XX/XXXX to settle for less. I settled for {$150.00} and the debt was paid on XX/XX/XXXX. I asked for proof but never received it in the mail. I called sunrise credit again XX/XX/XXXX inquiring about my paid off debt and they informed me that my account was sent to disputes and they could not access it. 
I called sunrise again today, XX/XX/XXXX to inquire about my proof of payment and closure of account. They informed me that my account was sent back to XXXX and to call them. So, I called XXXX and after being transferred 5 times, I spoke with a man that told me I still had a remaining balance of {$140.00} and I needed to pay the remaining balance before the debt would be considered paid in full I am trying to purchase a home and this debt is lingering on my credit reports. I settled for less so this debt would be removed from my credit reports in a timely manner and I could purchase a home by mid XXXX but here we are, mid XXXX and this debt is still haunting me.

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 2020-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My husband opened a small estate act at wells fargo on XX/XX/20 at the time wells fargo said our paper work was all correct after they sent in to the legal dept and that's all they needed the check was deposited and then got cashiers checks out to send to family members and we left money in the act to keep it open every thing was good until banker XXXX XXXX XXXX at branch XXXX XXXX called me and said wells fargo flagged the act and they would close our act on XX/XX/XXXX due to no paper from judge stating my husband as the administrator XXXX and XXXX branch manager sent in complaints on our behalf and my husband called and made a complaint with XXXX her direct line Is XXXX ref number is XXXX as he stated to her in a small estate there is no court or judge only family members a point a administrator witch they did my husband and had the letter notarized I have been told by numerous attorneys that we are correct and have everything we need to open a act so this is our problem with wells fargo 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 2023-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a personal account in XX/XX/2022, starting in XX/XX/2022 there was a compromised account issues. I requested a new account be created due to the issues that was still taking place. They stated a new account would be created and Fraud Department would address this matter moving forward. In XXXX  alone I had to file 70 disputes yet USAA refused to provide me a new account after I requested multiple times. I made the decision to apply for a new account and they denied this application request. Forcing me to keep an unsecure account resulting in fraud continuing to happen. They made the decision in the middle of the night to close all of my joint accounts and my spouses personal account that my name isn't attached to. Resulting in USAA to stop all the disputes I had to complete due to there failure they automatically closed them froze the accounts in a credit only mode and are withholding all of income for XXXX for 60 days. So we are now having to go to arbitration with USAA and causing us to potentially be evicted and unable to get food for our three kids. Our income is VA XXXX  and Social Security. We have also been charged with insufficient fund fees which they were not aloud to do as well. We have banked with USAA for 15 years. Only provided document closure for one account with my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector called to collect {$540.00} from XX/XX/XXXX and said I was being sued for {$2800.00}. The problem is that Ive already paid this payday loan debt in XXXX ; paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Upstart Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. XXXX XXXX is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transmitted electronically form 1099-C Cancellation of Debt was filed with the Internal Revenue Service dated XX/XX/2023. On XX/XX/2023 the Internal Revenue Service accepted form 1099-C. As of XX/XX/2023 form 1099-C was mailed to NELNET INC. at the following XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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

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