BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We made an appointment to see the XXXX on XX/XX/XXXX at XXXX XXXX I went on vacation and after I found out the people I was with had XXXX I called the XXXX XXXXXXXX XXXX ( XXXX ) to cancel my appointment 1 day before so that he could see other patients. The office manager told us that she would cancel it but there is a {$75.00} cancellation fee that we had to pay. We told them we were never told that there was a cancellation/no show fee. We asked them if they have any confirmation from us that we knowledge the {$75.00} no show fee policy and they said they don't see that and they don't know. 
We have been receiving bill from them and every time I am calling them to tell them that we were never told that there was a cancellation fee the office manager and XXXX in a very bad way telling us it is what it is and we have to pay it. We spoke with them two times including XX/XX/XXXXafter receiving a bill with a letter that they will send it to collection agency and offered them to lower the {$75.00} even though it was never disclosed to us but they did not accept it. 
On XX/XX/XXXX we received a letter from AWA Collections that I owe {$75.00} and if I do not pay it will go to my credit. 
I sent AWA a letter explaining the situation and they still wanted the money and forced us to pay it. I did not want my credit to be damaged and thus, I paid it on XX/XX/2022 over the phone. 
I am a single mom and I don't want them to ruin my credit for something that was never disclosed to me and trying find a help to go after them to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Affirm Holdings, 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: Account information incorrect

Complaint:
XXXX XXXX I received an alert from my FICO.. Saying that I was 30 days late on a loan that I have proof that I made a payment in XXXX. I made XXXX payments in XXXX and XXXX in XXXX of this year they claim I was late in XXXX but I dont understand how when I made a payment. So I called Affirm.. I was trying to explain to the lady at the company the situation She seemed very lost with what I was talking about. So I got off the phone with her and decided to do my own research on Affirm website.. I noticed that they wrote on a website that they report positive and negative activity to XXXX. But Im trying to understand why none of my positive was never reported I never had an account on my credit report from Affirm until today. Im so upset about this matter! I have proof of all my payments and Im trying to make this all makes sense.. they are reported the wrong balance to the credit bureau I do not owe {$500.00}. I only owe {$200.00} on this account Im two payments a way from paying this account off. so Im not understanding where all the false reporting is coming from but I would like for the company to fix this situation ASAP! I uploaded my payment history and my credit report and the article from there website! They also is spelling my name wrong.. my name is XXXX XXXX XXXX I need that fixes too! Everything is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have made many attempts to contact Transunion to remove the XXXX account from my credit file. This account does not belong to me. I have been a victim of identity theft and Transunion is reporting several addresses that do not belong to me as well. These address includes XXXX XXXX, XXXX XXXX, NY XXXX and XXXX XXXX, XXXX, ID XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX h

as 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 2015-06-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. 
I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Ca n't receive my credit report because of information on my credit report is not accurate I am a victim of I 'd theft which has been reported many years ago with the IRS and other government agency and still my information is being stoking for cars mortgages and loans that I never had or applied for ... I 've tried calling the police for a complaint and they we 're no help instead they blew me off what is my next step to fixing this issue?????

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 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.

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 2022-04-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 Citibank suddenly closed all 3 my citi credit cards.

All my cards are paid on time and meet the minimum requirements.

I communicated with their customer service. They said its their decision and refuse to give any details to me. Also all my reward
s balance are not available.

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 2022-04-20
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is attempting to collect a debt for XXXX. I do not owe a funrize company anything. This company created an account due to identity theft fraudulently and proceeded to charge me {$800.00} I emailed this company after XXXX  them, and they told me that the account was banned and couldnt redeem and that all charges would be refunded back to my account. That I wasnt allowed to use their platform which is fine because I dont anyways. They then send me a debt collection letter telling me I owe funrize {$49.00} and {$30.00} in fees 5x I dont owe that because Ive never used this companies platform and dont even have an account with this company. This is a fraudulent debt and not authorized.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.

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 2022-07-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2016-10-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am repaying my student loan back accordingly to XXXX/Nelnet, however it shows as XXXX derogatory marks on my credit summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 Citibank closed my citi checking and saving accounts. 
I have no idea why this will happen. 
I communicated with their customer service. They said its their decision and refuse to give any details to 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 2022-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a purchase through Capital One 's Shopping browser plugin. The Cashback was activated per the plugin and i have screenshot of it. It was supposed to be 15 %, about {$9.00}. I have contacted their Exec. Escalations team and finally got three voicemails that never rang on my cellphone asking me to callback a number that wasn't theirs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.

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 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on 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 explanation
Consumer complaint received 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CT
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 submitted 6 letters requesting investigation of my credit to the 3 major credit bureaus XXXX, Experian and XXXX. I also sent 2 letters directly to XXXX XXXX and XXXX XXXX XXXX. I have sent a letter every month for the past 6 months following the rules of the FCRA. I believe there are several inaccuracies reporting on my report and they have failed to respond and update my report. Over the past 6 months, they have failed to respond to any of my letters and after reading the rules in the FCRA, I was under the impression that the bureaus and collectors have 30 days to respond or remove the account from my report if they don't. I found your site after some research online that says I can submit a complaint to you guys for further assistance since I am not receiving any results or responses from the bureaus or collectors. I am attaching a copy of every letter that I have sent out them in hopes to prove that I have been doing my part to investigate these accounts with no results or responses to date. I am hoping that you will be able to help resolve this matter and get back to me asap. I look forward to hearing from 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 non-monetary relief
Consumer complaint received 2015-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transd union is reporting XXXX accts in error XXXX XXXX bank do n't belong to me they keep reporting in error as the acct do n't belong to me and blair was the wrong due date and such they have been reporting wrong and so far no one has done a thing to fine blair-comenity bank they should be fined for fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have moved out the XXXX XXXX XXXX XXXX XXXX by the end of XXXX and did not own the balance of the account of XXXX. Please see the attachments for details.

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 2022-04-20
Company: Experian Information Solutions Inc.
State: NE
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 : {$50.00}, {$210.00}, {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$16000.00} XXXX, ALL 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 CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCCURATE

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 2022-04-20
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX was the day I became aware of being a victim of identity theft. On XXXX XXXX is when a certain individuals decided to take out a home loan with my social security number, which is stated in credit karma. In addition, there's also a car loan under my SSN. However, I don't even own a car or house, for the past twenty years lived in a one-bedroom apt . Therefore, please block these ongoing loans from my credit reports pursuant to section 605B of the Fair Credit Report Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation