BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had contacted an apartment complex named XXXX XXXX in XXXX Az as i had recieved an alert on my credit profile as to a derogatory mark put on my report. I looked at it. Never have I lived in there apartment community nor have I ever in my life lived in an apartment. I contacted XXXX XXXX and explained to them that I have never had any accusation with their company in any way. They stated that they have a signed lease agreement between myself and their company. I informed them that that was impossible. I tried to discuss options to get thisa removed and the only solution is that i pay {$3700.00} for a debt that is a completely false representation of facts. And that I am not responsible for and had no knowledge of this facility even existing until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the problem. So I asked if they could print a copy of the contract so i could see it. The person told me that I had already wasted an hour of their time and that she would not be sending me anything. Next i Contacted the Credit bureau and expressed all my concerns to them. They said they would investigate the situation and for me to send them any documentation to verify my claims. How do you actually do that? Something I am not responsible for and for a place I had never heard of? Makes no sense. Approximately 10 days Later I recieved a letter stating that they determined it was an accurate debt. That I am responsible for it and that it will remain on my credit profile. Which I don't understand how a company is allowed to just submit unverified debts. I resubmitted resubmitted my dispute in the form of a 609 dispute letter twice. With no response which is ridiculous that Credit Bureau Companies are not held to an equal standard for all. There ethics and integrity are absolutely flawed with no reproductions for their part in the false representation of facts. Now I send the information to Consumer Finance and can only hope they can assist. I should not have to hire a lawyer because a company creates fraudulent debt.

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 2022-02-02
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was trying out this new app called Albert which is a banking website owned by the same people that own cash app I shouldve been aware that I would have problems because Ive had problems recently with cash app not wanting to refund money that I did not authorize to be taken out of my account well on this incident I had my card stolen and I notified Albert immediately and I also got in touch with the sheriffs department who did an investigation someone stole about {$500.00} off of the Albert card I notified them I was having problems with the card withdrawing money and it locked it up till the next morning someone stole the card by the next morning along with my drivers license which I had my pin number on it which was my fault on that part but they refused to refund my money or help me in anyway and refused to give me any reason why

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off 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 explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: LA
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 contacted the bureaus showing the letter that where the account was paid in full and it is still reporting charge off 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 explanation
Consumer complaint received 2019-07-08
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 went to to XXXX to apply for XXXX book end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXXAcct # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.

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 2019-09-03
Company: United Revenue Corporation
State: TX
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:
I owed a debt to XXXX XXXX XXXX who turned the unpaid debt of XXXX to a collection service United Revenue Corporation ( XXXX ) XXXX. I set up a auto draft of XXXX monthly to draft for 6 months and pay in full, no settlement. The auto draft was paid for 4 months bringing the balance down to XXXX. I was unexpectedly hospitalized and off work this week and could not afford the auto draft. I called the company and spoke to a rep named XXXX. I informed her I wanted to cancel the auto draft and make smaller payments monthly in an amount I could afford, depending on when I go back to work. She told me that if I cancel the auto draft, my account would be reported to the credit bureau. She put me on hold for a while and came back to say that she had notified the cashier 's office to cancel my auto draft and I was now subject to being reported. I asked how to make monthly payments in the future to pay my balance in full and was given the info to call in and make monthly payments because they would no longer accept a check from my bank, only credit cards. I informed her that I would notify my bank not to accept any further drafts from her company and report her to this office for threatening me with harm to my credit report. At that point she became rude and I discontinued the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

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 2017-09-13
Company: BOK FINANCIAL CORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My mortgage payments have been scheduled to be sent using BillPay from XXXX XXXX XXXX to my mortgage company, Bank of Texas for a couple of years. The payments were sent and received electronically, but since XXXX 2016 was switched to be sent by check. Contact both banks saying their agreement to receive electronic payments was broken. Bank of Texas told me to open an account to XXXX XXXX, because their agreement is " still valid ''. 

I sent a letter to Bank of Texas Mortgage Complains division asking if it is possible to work out things with XXXX  XXXX XXXX. I am still waiting for an answer. In the way the customer service from XXXX XXXX XXXX has been, I do not trust to allow them to access my checking account to make the mortgage payment. 

Hopefully this helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Resubmitting the below complaint as the company response was insufficient and false to complaint : XXXX. 

I am a military member stationed XXXX  ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living XXXX, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told XXXX  addresses are blocked from their system and there is no way for me to access my information while living XXXX. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while 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 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I would like to write this complaint so that other folks out there are very aware of what this Bank is doing so wrong so they can stop doing it and get it together. Recently without previous notice, I got all my account frozen with Bank of America. Not only that but the worst thing is that I realized when I was going to put gas before Hurricane Irma hit my state of Florida. I could n't believe this Bank can do something like this. I went straight to one of their branches on XXXX XXXX, 2017 and they blame it on the fact that I changed my immigration status. I summited all the documentation they required and still today XX/XX/XXXX I have my accounts frozen. Not only that, but some of their local branches are closed as well.Also, I have XXXX XXXX and I realized that they for some reason pulled up my credit score when I have been with them for 6 years, this caused my credit score to drop. But to top it off after 5 days and after the hurricane passed I am still with my accounts frozen, so get it together Bank of America. And for the people reading this BE AWARE I did n't believe what the mega Munsters Banks could do but I am going through the hustle now and it 's not fun. The bank should be here to serve us better and not make us go through situations like this one.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: OH
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:
To this day over 30 days later I have not received a response yet. I feel as if im being taken advantage of and being ignored by my disputes. Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC and would like these above referenced accounts to disappear FAST!

according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

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 2017-09-13
Company: BB&T CORPORATION
State: MD
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:
Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.

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 2022-06-14
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 am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/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 2022-06-14
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 a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Wells Fargo has placed a 30 DAte late on my credit report on XX/XX/XXXX on a account that was closed/sold in XX/XX/XXXX. I have been disputing this for approximately 3 months with no results only extension on behlf of Wells Fargo. I have now spoken to 10 representtative of Wells Fargo and nothing has been resolved. I have also place a complaint on thier Social Media page which caused some communication with an unknow n Representatvie of Wells Fargo and still nothing has been done. 

My Lender is unable to approve me for a Loan because of the nagtive 30 day reporting in XXXX on a XXXX Closed Account. I have also missed out on 2 homes that my family and I loved dearly wchih would of been our forever home. I have spoken to 10 Reps., 2 of which i did not get their names.

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 2017-09-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The bank is Synchrony Bank, the store credit card with XXXX store. I have been unable to enroll in auto payments because I can not create an online account. I have the account number and tried to register but it would not accept my account number and registration materials. I have tried calling but to fix this but I kept getting " we are unable to complete your call at this time. '' As a temporary fix I was calling the number at the bottom of my statement to pay. However, I forgot once and not the monthly payment has gone up from 25 a month to like 150 with no written reason why that I have received. I have tried calling at the number, and again I get no response.All of this could have been avoided if they would have just let me enroll in auto pay - and register for an account online. I opened the account in XXXX I believe - but again, I have no records because I can not register the account online - and they will not answer the phone to try to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2022-06-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello about 2 months ago I tried to refinance my car but the lender was unable to pull my equifax report .it also happened at a loan company. I called equifax customer service and asked them tell problem .they want dl front and back and ss card which I copied and sent to the address they provided. It's been over a month no response and no release of my file .I need access to my file every lender I use uses them .I called again but it wasn't resolved .I 'm XXXX and XXXX and it's wearing me out .please help me Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: DISCOVER BANK
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit reports and I'm showing two missed payments on my credit from Discover SL. I am still in school and am not due for repayment right now. I've spoken with them numerous of times and they promised to update and remove those missed payments and they have yet to do so. I am frustrated at this point and have no idea who else to help me besides filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

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 2022-06-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act Acct : XXXX XXXX XXXX violated my rights 15 usc 602 section ( A ) I have the right to privacy 15 usc 604 section ( A ) it also states that no consumer reporting agencies can not furnish an account without the permission or the written instructions of the consumer.

Company response to consumer: Closed with explanation