BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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  Collection Agency Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Is 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced 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 non-monetary relief
Consumer complaint received 2019-03-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019.

The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM.

On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX   instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM.

I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX  account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok.

On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking.

On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud.

I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX   ET and XXXX ET.

If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts.

Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX  opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages.

Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit.

I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records 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 2023-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The company has denied my disputes for unauthorized transactions made on my debit card. This is completely inconsistent with how the credit card team handles disputes. Multiple transaction disputes have been denied that were legitimate. My account number is 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 2020-12-30
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:
Hello, I am writing this letter regarding unknown accounts below in the report that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not afford a loan. During Pandemic its very important for me. 
I do not recognize none of them and please delete them a I am for sure a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: MA
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'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 explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: FL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXX Owed : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: MI
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  ; accounts XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXK # XXXX & XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called these lenders to resolve this issue, however, I was unsuccessful with reaching the correct head of department. By these accounts reporting false information on my credit report without my consent has caused lenders to refused applications ; which put my business and personal assets in a financial deficit. Please assist me with this issue by removing these accounts please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2018-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I made an additional payment of {$1100.00} to Chase in order to have the PMI removed from my account. I was told that the payments are made in the rears so I will still have to pay an extra {$81.00} in XX/XX/XXXX even though I am under the 78 % loan to value ratio. Then in XX/XX/XXXX they still took the {$81.00} out of my account but didn't label it - {$81.00} PMI. I called to find out why and was told it was a mistake and that they would refund my money, this was the beginning of XX/XX/XXXX. I waited about 10 days with no results so I called them back again. This time the guy said he would send it to the escalations department and It should be resolved in about a week. After another 10 days and nothing from the bank I called again and basically got the same runaround. Its now XX/XX/XXXX and I just called Chase and asked to speak to a manager about the problem. When the manager got on the phone and I explained the situation and asked why it was taking so long to give me back my money she told me " Its your fault, your the one that set up the payments ''. I told her I have a letter from chase telling me that XX/XX/XXXX would be the last month that I was charged {$830.00} and in XX/XX/XXXX my payment would be {$750.00}. Instead they charged me {$840.00}!!! I explained to this lady that with their auto pay feature, It withdraws the amount that they charge me. Not any number that I put in, so how is this my fault?? I told her I was going to report them and she snickered and said report us to who? Apparently Chase thinks they are above the law and can do whatever they want, whenever they want. I will NEVER open another loan or any other accounts with them. They have the worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: CA
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'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Google Compare Credit Cards Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX I put two deposits on merchandised it was not received. One was for XXXX US dollars and the other was for XXXX US dollars. After receiving the money this person blocked me and did not deliver on said merchandise. I tried disputing through google pay which is what I paid him through and google pay denied my dispute. I tried disputing through my bank, which they denied my dispute as well claiming that because it was through a third party they could do nothing. XXXX  XXXX XXXX has referred me to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Wells Fargo Bank on approximately XX/XX/2018 regarding the poor quality service from XXXX XXXX cellular telephone company that I paid {$150.00} for using my Wells Fargo card on XX/XX/2108. Wells Fargo erroneously characterized my dispute as an unauthorized charge as opposed to poor quality of service received. On XX/XX/2108, Wells Fargo send me a letter stating that my dispute was closed in XXXX XXXX 's favor because the charge was authorized and XXXX XXXX had presented documentation of my usage of the service. I subsequently contacted Wells Fargo to complain that the dispute was mischaracterized and that I did indeed authorize the transaction but the service was unusable and not as promised. Wells Fargo refused to reopen the dispute or otherwise offer relief. I am initiating this complaint against Wells Fargo Bank to obtain a full refund of the {$150.00} that I paid, and for the mishandling of my timely dispute of the charge on my Wells Fargo account. I am attaching documentation showing the XX/XX/2018 dispute, XX/XX/2018 dispute denial letter, and four pages of XXXX XXXX  community blog posts showing that the service issues I was experiencing were severe, repeated, and rampant with other XXXX XXXX customers at the time I experienced them, and that XXXX XXXX   executive management were aware of the problems.

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 2023-10-03
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved from Virginia to Illinois in XXXX after getting married. 
I did not know I was served to appear in court in Virginia till I returned to Virginia in XXXX and requested that XXXX verify my debt. This is when I saw that there was actually a hearing XX/XX/XXXX. Upon more research, I was served at XXXX, VA where I had not resided at for years. The last residence I had in Virginia was in XXXX XXXX. My addresses are all listed on my credit report so this was not hidden information. This debt was not even obtained in Virginia but in Illinois. They sent me the last XXXX XXXX XXXX XXXX had and that my most current address at the time of XXXX XXXX Illinois. The letter sent to me in the debt verification is dated XX/XX/XXXX and also dated to the XXXX XXXX address. So, XXXX knew I was not residing in Virginia, let alone at that address in XXXX. I'd always done a change of address with the post office so if anything, they had me served at the XXXX XXXX address, it would've been forwarded to the most current address. 
Because I did not show up ( because I was intentionally served at the wrong address ), they won their judgment and for years they have been adding interest and fees to the balance. 
This year they attempted a garnishment and had a lien on my bank account. I was able to get that dropped due to receiving child support and this caused and IMMENSE amount of stress as I was unable to pay bills and had to borrow money. Also, the bank in which they put a lien on, charged me XXXX that they will not return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account number # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c a 5 sections 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 7 years 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2023-07-06
Company: EQUIFAX, INC.
State: CA
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've sent fingerhut and all 3 credit report agencies documents showing that the account could not possibly be mine, and yet the refuse to give me more information and refuse to remove from credit report. 

account open : XX/XX/2017 balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: FORD MOTOR CREDIT CO.
State: NV
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX, we were victims of a financial scam involving a cashier check. This was for a purchase of equipment we had for sale. The check was out of state, it was deposited into our account we checked on it few days later was advised that it was good by bank employee. We were not told that it could be a scam by the bank. It was found later that BBVA bank on the day of deposit they had training on this particular issue. The bank knew this was going on we were not aware of it or made aware of it. On XX/XX/XXXX we saw that our account was cleaned out not by the perpetrator but by the bank. They discovered the cashiers check was bogus. Did not even contact us. We had to contact them, we tried to work with them they would only say we were solely responsible for everything. Would not work with us. Even filed report with local police department, was told that the bank was responsible for what had transpired. Foward to XX/XX/XXXX we attempted to open a college fund account for our Grandson but was denied. We contacted a company called XXXX XXXX that handles these issues. Our current bank XXXX In XXXX, XXXX.the information we recieved regarding this matter stated that it was due to a fraudulent account. They made it sound as if we were the perpetrator.

Company response to consumer: Closed with explanation