BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place a security freeze with Experian, and they refuse to do so. 

I 'm able to view my report on their website so they 've confirmed who I am, but when I attempt to place a freeze they say that they can not confirm who I am. 

Their only provided option is the service that they provide for $ XXXXmonth which is {$1600.00} over the life of a 7 year freeze, though in my state it should be free. 

Their phone system also constantly cuts me off when attempting to place said freeze as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX have contacted " ONLINE INFORMATION XXXX '' on numerous occasions and have not gotten anywhere in regards to the debt. XXXX the collections XXXX was handling my issue and never got back with me in regards remaining balance. Every time I would call the collections company I would constantly be handed off to a new person and get nowhere with the issue at hand. The debt should be paid off by XXXX insurance. Some of the debts were processed and paid off by the insurance except the balance of {$120.00}. When speaking with the claims department at XXXX they notified me that there was never a claim put in for the amount. All other amounts had a claim put in by " ONLINE INFORMATION XXXX '' and had been paid for. I am an XXXX XXXX service member and this ongoing issue and unprofessionalism by " ONLINE INFORMATION XXXX '' is now affecting my job clearance in the military. Any help on this would be greatly appreciated. Thank you in advance. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Sent several letter 's asking for XXXX XXXX to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail on XX/XX/XXXX allowing them 30 days to provide proof.. On the XXXX day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I have never done business with Keybridge and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies as they are in violation of the FDCA/FCRA acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: IL
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 deal with Experian about my XXXX XXXX account for disputing it and asking for verification and requesting documentation in how they " verified '' this alleged debt. I have sent disputes to Experian on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only sent a letter when Experian refused to send documentation following their result from the dispute. I sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never recieved documentation proving how they ( XXXX XXXX or Experian ) verified this alleged " debt ''. I have got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also keep getting the " closed date '' changed on my XXXX XXXXXXXX account chaged from XX/XX/XXXX to XX/XX/XXXX according to XXXX XXXX and XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: D2 Management LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved two charges to my XXXX XXXX debit card that I did not authorise from D2 Management LLC I have already canceled my card and called XXXX XXXX to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NY
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:
Dates : XXXX Amounts : {$180.00}, {$2300.00}, and {$38000.00}. XXXX Affidavits for all accounts were sent to the company and credit bureaus. 
Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Disputes were sent and asked for an authentic contract on file and or application on file Dates : XX/XX/XXXX Fraud Affidavits were sent to the company and credit bureaus and or pplication on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( Experian and XXXX ) 2. 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 2020-07-01
Company: EQUIFAX, INC.
State: CO
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:
I just received notification that my addressed was changed at equifax. Which is my correct address. My concern is that its gon na change again and then has my credit report been sent to that address? Why is my address on my file keep changing? Then you want me to send all these documents to prove where I live. I wish someone will do there job and make sure thus stops happening. Something obviously going on here. I have to call and spend hours on the phone when I call equifax. Last time I called was on the phone and was transferred and spoke to supervisor almost 2 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains 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 2018-06-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit Bureau has several items on my credit report that is not accurate. I have sent over multiple disputes some have been removed while others remain on my credit report. The inaccuracy of my credit report is creating me not to purchase a home, as well as affecting any other possibilities that I have in establishing more credit. I feel that the Credit Bureau has discriminated upon me with correcting my credit, creating great hardship for me to maintain housing and other credit dependency needs. This correction needs to be resolved immediately so that I may be able to have an accurate credit score along with improving my score in which the credit bureau has reported inaccurate for the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I just cant see how much I got in my closed account on transferwise.com ( personal and business ) in the login XXXX because they just closed the account with an automatic answer saying " aftwer reviewing your account we decided to keep it desactivated ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX   Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX   : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX   Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX   : XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : 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 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXXXXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX acct # XXXX, XXXX acct # 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 non-monetary relief
Consumer complaint received 2018-08-29
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: Investigation took more than 30 days

Complaint:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
BANK OF THE WEST holds a debt of XXXX $ in my name. They have been reporting it against me as a debt by XXXX XXXX XXXX. Ive made several attempts to remedy the debt as a pay for deletion consider they never informed me of the debt in the first place FOR MONTHS. I how ever have proof of my attention to the debt and offers to settle it and they still dont reply. I waited 30days for a reply after I offered XXXX $ XXXX dollars over the amount for a deal. No reply ... just send last offer at {$160.00} yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never received any correspondence from Wakefield & Associates in my name. I have never opened an account with Wakefield & Associates, nor have I ever received an invoice, or billing information. 

The only correspondence that has been sent to our household was addressed to my wife, regarding a duplicate billing error made my XXXX XXXX, that Wakefield & Associates is trying to collect on. After my wife collected, and sent to Wakefield & Associates, itemized billing information from XXXX XXXX XXXX, documenting the errors that they made, and XXXX did not correct. That issue is currently in the court system, awaiting trial, not the mediation company that Wakefield & Associates " suggests '' that she uses. 

Again, I have no account with Wakefield & Associates and owe them no money. However, even though my wife 's issue is currently in the court system, and I have no records with Wakefield & Associates, the Company has chosen to make false derogatory claims on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
TD Bank , N.A . denied a credit transaction for XXXX upgrade program. It stated reasons which are inaccurate. I have well established credit over 30 years, no recent delinquencies, debt to income ratio is standard for credit card evaluations. The XXXX XXXX XXXX XXXX score provided by TD Bank is XXXX. I believe TD Bank , N.A . 's action in connection with this arbitrary and discriminatory. 

The offer of credit is also misleading. XXXX site offer as reflected by this link : XXXX XXXX XXXX offers zero interests for 24 months and upgrade option after 12 months with a purchase of a new phone. It also offers to wave remaining balance after 12 months with a new phone purchase. It does not say it would provide a credit card. However, after submission of the credit application, it discloses that that it is a credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX at approximately XXXX I submitted a wire transfer while guided on the phone by a Bank of America Merrill Lynch representative. Consistent with representations made on the firm 's website, I was told that the wire would be processed on the same day. After calling back after XXXX ( the wire deadline for the day ), I learned that the firm had not even processed the wire let alone cleared it. At business open on XX/XX/XXXX at approximately XXXX, I was told additional information was required in order to process the wire and advised that " additional time '' was required to clear wires at the firm. 

Despite being assured on XX/XX/XXXX by another representative of the firm that same-day wire processing could be done over the phone, as advertised on the firm 's website ( " Wire withdrawal requests received and approved by XXXX XXXX Eastern will be processed the same day and incur a {$24.00} fee. " ), I was subsequently told that this was not possible. Due to this misleading communication, I was unable to close on a new home as scheduled and have incurred significant personal financial cost as a consequence.

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