BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We have had a business account open with TD Bank since XXXX of XXXX. Being small business owners for the moment we have pretty much only used this account for deposits from our customers and since we don't do any business in winter never used it in that season. When we opened the account TD Bank linked our business account to my husband 's personal account to avoid the maintenance charges of {$25.00} a month. My husband didn't pay any attention to the fact that TD Bank started charging him the fee in XX/XX/2022, resulting in {$300.00} of our money they had taken, which was up until I took charge of the account XX/XX/XXXX and noticed all the charges throughout that year up to current. Once I went through and noticed it I started calling to rectify the situation. I spoke to tellers XXXX  and XXXX about it, they both informed me that due to an update in TD Banks system my husband 's account and many others became unlinked. XXXX XXXX is aware of this mistake also and refuses to make the situation right by refunding us our money. Moreover there was enough in the account a few months after it became unlinked to avoid the maintenance fee and TD continued to keep on charging our account. I checked today and we are still owed another {$150.00} as I received another {$25.00} credit yesterday XX/XX/XXXX. I spoke with a customer service rep on XX/XX/XXXX who informed me that since the fault is on their end they are obligated to give the refund and the branch manager would have to do so as he was only authorized to give {$50.00}. XXXX called me back XX/XX/XXXX at last to say it was my fault for not paying attention, she did us favor and then again today XX/XX/XXXX to say she did us a favor refunding us an extra month and that it was our fault pay attention next time to our statements. We didn't authorize them to charge our account the maintenance fee nor did we agree to take responsibility for an error in their system resulting in us losing that money. Any help to recover what we are owed by them would be appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions 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 do not know who this collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor have I ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency. If you can not provide me a SIGNED DOCUMENT and not a statement of accounts of this collections within 30 days from this dispute, please get them deleted as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Equifax, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the XXXX pandemic. As a result of the unprecedented circumstances created by the XXXX pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Equifax, report accurate and up-to-date information. Given the unique circumstances brought about by the XXXX pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Equifax. Equifax is also reporting my XXXX XXXX  account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX  Balance {$910.00} XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00} XXXX XXXX XXXX XXXX  Balance {$330.00} XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$840.00} XXXXXXXX XXXX XXXX XXXX Balance {$580.00} Medical XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have produced the evidence and law for the inaccurate public record reported on my credit report and I can't see my score.

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: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am being charged for a transaction from XXXX, from XXXX, that I never received, now I dont have XXXX account, its XX/XX/2023 and woke up to a surprising amount in my account want negative 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 2023-03-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 while at work I received a phone call from Chase Fraud Services about an unauthorized use of my credit card. I said the transaction was not authorized. While on the phone with the Chase Fraud Services I received emails that my debit card was being used to make unauthorized purchase totaling {$9400.00}. While still on the phone with Chase Fraud Services {$10000.00} was transferred apparently by telephone form my business account to my personal checking account. This was used to pay for the debit card purchases that originated overseas. I told the Fraud Service representative that none of these transactions were authorized. I said this several times. This was happening in real time. The next day I went to my local branch to obtain new credit, debit, business checking and personal checking accounts. While there I told the Chase representative that the debit charges were still listed as pending and they were not authorized. Needless to say the debit charges went through. Chase has determined that I authorized all these transactions which is not true and wants me to repay {$8400.00} in overdrafts and be responsible for the {$1000.00} Chase took out of my account. I want the {$1000.00} returned to my account and for Chase to be responsible for the overdrafts as I did not authorize these transactions. Attached is a Certification and documents that support my claim against Chase..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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 2023-10-05
Company: EQUIFAX, INC.
State: KS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: CITIBANK, N.A.
State: TN
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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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  Account # Account number 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 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 convictions 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Last month we went into Alaska XXXX XXXX XXXX for the first time ( of many to come ) to try to open up a checking account. However, ChexSystems kept coming up with a " zero score '' for me. So they were unable to open the account or tell me why I couldn't so I contacted the agency and they told me that they couldn't tell me why I was unable to open an account but that they would send a report in the mail telling me. So weeks pass... I finally get a report in the mail telling me possible reasons why. Nothing concrete. We figured, okay, whatever, we just moved here so maybe after solid employment in this area for a couple of months we'll be able to open the account. So we eventually go back to Alaska XXXX XXXX XXXX two other times. The second time we eventually ask for the branch manager who goes on to help us call ChexSystems and have them disclose why they wouldn't give us a reason why we got the " zero score '' so we couldn't open the account. They responded with multiple " we don't provide that information, the bank does '' So the manager said " we don't even have that information it's from your company so how are we supposed to tell that to the customer '' Round and round we go. ChexSystems has been the worst government agency we have ever had to deal with. What a shitshow. One of the executives of the bank eventually reached out to ChexSystems directly and they wouldn't give any information again, telling them to have us call them again with a customer relation number on our report. Called again, they again said that they don't have or share information.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

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 2022-03-30
Company: Halsted Financial Services, LLC.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022 Halsted Financial Services LLC, contacted a relative of mine via email to try to attempt to collect on an alleged debt of mine they had bought from the original creditor. They disclosed all my information including dates and amounts owed by me to this relative that is not my spouse or myself which is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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