vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Back in XXXX I added a stop payment on my account. The amount should have been for {$350.00}. The payment came out of my account the next month. I called to see why the stop payment did not work. The person that put the stop payment put it in for the wrong amount. It was put in for {$380.00}. This is what cause the payment to come through anyway. Due to this payment being taken out of my account anyway, I had other transactions that came through that made my account negative and I was charged {$100.00} in overdraft fees and I had a negative balance that I couldn't get any money for gas, food, or anything else that i needed. This was a bank error and I shouldn't have to suffer from this. I asked the bank to credit these charges and also to send this payment back unpaid. I need that money back in my account as soon as posssible. Yes, TD Bank as given me some courtesy credits in the past due to NSF and Overdraft fees. I am struggling financially and still having a hard time due to having COVID and losing one of my jobs. I do not have any money to give back to the bank. I know that bank charges fees but I am doing my best working as an educator to pay my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Due to the COVID-19 pandemic, my pay was reduced for one year. Due to this, I filed for a forebearance through my mortgage company. They allowed to put a pause on payments. My pay was restored and I have been making full regular payments now. The payments that I am making are showing as late ( I think they are applying my current payments to the forebearance period ) and it is greatly affecting my credit score and refinancing. Nobody has reached out to me to fix this and when I try to obtain answers they say they are very behind. I want to reflect my payment history as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts 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 non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
After logging into my XXXX account I noticed an unautorized charge from Affirm Inc. on my account showing an unpaid balance of {$1500.00} with a past due amount of {$280.00}.

The Affirm Inc. account number, according to the XXXX website is XXXX which, according to their website, was opened XX/XX/2022. I called Affirm Inc. and they have no record of me, my phone number, or the loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a push notification the evening of XXXX that my atm card was used at an atm location on XXXX XXXX XXXX in XXXX XXXX. I was not in XXXX XXXX that day, and my card was in my possession. My card was not stolen, no one other than myself has a card or permission to use it. I am also the only person with the PIN number. I automatically called the bank to inform them of the fraud that was committed, and was told I had to wait until the transaction was no longer pending before I could put in a dispute. On Saturday morning the date of XXXX, I put in the dispute by phone, and once again reiterated that the card was not stolen, was in my possession and that I had not made the transaction. I was told it could take up to 45 days to resolve the dispute. The dispute was denied on Monday morning, the XXXX of XXXX, and I was not given any explanation. I was told I had to wait up to 10 days to receive an e-mail explanation. I received the mail this morning, which is XX/XX/XXXX. The e-mail is quite suspicious, as it does not indicate the name of the business/bank atm where my supposed card was used, the address of the merchant, or the name of the person sending the document, or even the date of the document. I am extremely upset about this entire thing, as I am out XXXX that I did not authorize, and am strongly feeling that this was I side job at chime bank. Please advise on what I can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have submitted four investigation requests to Experian starting in XXXX of 2021. ( please see attached letters ) all 4 letters were mailed certified with confirmation that they were received. 
Ex

perian has violated FCRA for multiple reasons on this account.

1 ) They have yet to respond to me in over 5 months- however they put comments on the credit report stating account in dispute now resolved. - NO INVESTIGATION was done!

2 ) In the comments they report : unpaid balance reported as a loss- however in account status it shows PAID- which it was paid in full!! ANOTHER VIOLATION 3 ) the two year history is continuing to show " CO '' well over two years old- ANOTHER VIOLATION- which this is not only inaccurate but outdated.

Ive attached all supporting documents including letters as well as 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.

Delete these accounts 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Klarna AB
State: CO

Complaint narrative:
XX/XX/XXXX {$25.00} Late fee charge from Klarna for a missed payment Since XX/XX/XXXX an automatic payment was set up through my back and as of XX/XX/XXXX, I was notified by a letter I missed my XXXX payment. 

When checking my online account portal account my automatic payment account had been removed. 

XXXX has no direct phone number so I was forced to use a " chat '' function to dispute the charge. 

The rep said, " In this case, Klarna does not cover late fees on your bank since your payment is set for manual payments. '' I had to point out 6 times during my entire interaction that I had automatic payments set up since XXXX and that in XXXX they deleted the automatic payment. 

Finally I was told they escalated the issue and they would respond in the chat, but I would need to download their app. 

There was no option for a phone call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
MEDICREDIT, INC has reported that I owed their company {$470.00} from a medical bill w/ XXXX XXXXXXXXXXXX XXXX  XXXX The company now shows that I owe {$0.00}. 

Medicredit NEVER communicated any statement or justification for this bill. 
No monies were ever given to Medicredit. 

I am requesting this collection be removed from ALL credit report agencies, as there was never any verification of the bill and my ownership. In addition there was no communication to give me a notice of this bill and the action that would be taken ie reporting bill on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and realized this collection is wrong. This collection is not mine and I have no knowledge of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks.

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. Hippa laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for Experian XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Check N Title Loans
State: TX

Complaint narrative:
This company has been harassing me while I've been going through a financial difficult time, which I've disclosed to them. I've even asked about a settlement options and they have chose not to work with me. 

They have reached out to me at my place of employment over ( 7 ) seven time. I've told the rep, XXXX on numerous occasions that's theses calls are prohibited at my place of employment verbally and through the form of an email, and it has not stopped. The rep has verbally refused to stop contacting my place of employment. 

They've been contacting multiple family members and friends and disclosed my debt on voicemails. Which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I had initiated a transfer into my Sofi XXXX account from another bank account to cover my rent check. The transfer bounced, I believe because there was a delay from when I transferred it, and then there were no longer sufficient funds in my other account to cover the transfer. 

Regardless of what happened, it triggered a fraud alert in my bank account. It also caused my Sofi account to go negative. I have direct deposit into my Sofi account, so once that direct deposit went through, my account was in the positive, however I was still not able to use my funds. 

I've tried contacting Sofi Fraud Prevention repeatedly to unfreeze my account. The call goes straight to voicemail. Any other number, online chat, or email does not connect me to anyone, but automatically tells me to call Fraud prevention. 

My first call was placed yesterday, XX/XX/XXXX. I called three times yesterday, and three times today, XX/XX/XXXX with no return call. It has been about 27 hours that I have been waiting for a call back. 

I have overdue rent that must be paid immediately or I risk eviction. The money tied up in this account is my rent money.

Company response to consumer: Closed with explanation