BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XXXX/XXXXXXXX I recieved a welcome letter from XXXX XXXX that my credit card account had been approved through TD Bank. I had not applied for this credit card and upon contacting the bank ( TD Bank ) I found out that someone had opened a fraudulent account in my name and made purchases of XXXX products for over {$3000.00}. I immediately opened a Fraud Case and and was told by TD Bank that a resolution to the issue would be finalized by XXXXXXXXXXXX. On XXXX/XXXXXXXX I contacted the bank for a response and was told that the Fraud claim had been closed because they never recieved a signed affidavit from me which they claimed was mailed out XXXX/XXXX/XXXX. I never received the affidavit letter in the mail until yesterday, XXXX/XXXXXXXX. On XX/XX/XXXX I received an email from a Team Lead at TD Bank and was told that the affidavit could be signed and emailed back to them and that the case would be re-opened with a new expected resolution date of XX/XX/XXXX. I emailed the signed affidavit back to the Fraud Department on XX/XX/XXXX. I then emailed them on XXXX/XXXXXXXX, XXXX/XXXXXXXX, XXXX/XXXXXXXX, and XX/XX/XXXX to ask for confirmation that the signed affidavit was recieved in good order and that they were working on the issue. I finally received an email from the Fraud Department today, XXXX/XXXXXXXX that the affidavit was recieved and the expected resolution date is XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My initial communication with Discover Bank about an " alleged debt '' was a Cease and Desist Letter and a Validation of Debt letter sent via certified mail and the CFPB portal. I asked this company for validation of the alleged debt, instead, I received no contract with a wet signature only " statements '' that don't validate any debts. 

I also asked this company to cease communication with me, and they blatantly sent more statements anyways. I feel this is a form of humiliation, harassment, and a violation of my consumer rights, and my privacy. I asked not to receive letters via mail because the company name on the envelope is a violation of my privacy and I don't feel anyone that touches my mail should know I am in communications with a " debt collector ''. 

They also sent my non-public information to outside agencies in an attempt to collect a debt without my consent. I never authorized my information to be shared or sold to any outside companies. If this issue isn't solved and my demands aren't met, I will proceed with legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Trans Union/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX has XXXX payday loans on my credit file with Experian as they stated in a letter there Experian now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX XXXX XXXX XXXX is no more than fraud. I have file an complaint with the US attorney office as the justice department on Experian & XXXX XXXX XXXX for and by I'm on OPT out and Experian is using a another company to use deception with merges etc.

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 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 received document in # XXXX stating I did not provide the info requested (? ) and purcahse adjustment {$30.00} was reversed. I VEHEMENTLY DISAGREE! 

PLEASE explain what other info needed I paid and sent ticket receipt previously XXXX XXXX XXXX XXXX XXXX Seat XXXX XXXX baht  = ( {$30.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX baht Due to aircraft change they gave me a last resort seat and I had to visit XXXX XXXX XXXX XXXX in XXXX to physcially in person agree to seat XXXX, Agent told me XXXX XXXX process refund of {$30.00} after, many weeks and several unanswered e mails without a credit {$30.00} I went to cfpb because Capital has no email that I could use to contact Tell me what specific info do you still need to continue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX, XXXX 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.

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 and other adverse items 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 explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
In Accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

UNAUTHORIZED ACCOUNTS : 1. XXXX XXXX XXXXXXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX  Account Number  : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number  : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: ID Analytics, Inc.
State: MO
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:
Sagestream is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer report. As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
Received a notification of completion of dispute investigation from equifax. Dispute results do not state an actual result. The result states : >>> We have reviewed the current address. The results are : - >>> We have reviewed the identification information. The results are :-

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
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:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: OH
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 got a call from a collection agency sayin i owe {$890.00} an dont 15 USC 1692g validation of debt i ask for 18 USC 8, I owe no debt, this company and 3 bureau is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my 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 non-monetary relief
Consumer complaint received 2018-08-30
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
Clarity Services Inc has XXXX payday loans on my credit file with XXXX  as they stated in a letter there XXXX now or the same company. I have not applied for no on line loan with XXXX or any other on line company or any pay day loan. XXXX On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & Clarity Services Inc for and by I'm on OPT out and XXXX  is using a another company to use deception with merges etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Velocity Portfolio Group
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since in the previous responses XXXX XXXX, XXXX XXXX the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: NC
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:
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018,. I requested the Method of Verification via return receipt certified mail. Equifax refused to provide me with their Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # 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 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 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