BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank.

since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation.

I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  receipt, XXXX XXXX XXXX  receipt and my phone GPS location, clearly showing I was in New York XXXX. 
I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

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 2022-09-22
Company: ProCollect, 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: Problem with personal statement of dispute

Complaint:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation.

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

PROCOLLECT INCXXXX 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 explanation
Consumer complaint received 2022-07-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Nissan Motors I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates delete account reporting on my credit report within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: FORD MOTOR CREDIT CO.
State: TX
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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I would like to consolidate my balance with synchrony bank. 
Walmart

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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:
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in north carolina has expired. 
Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the " statute of limitations '' has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

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 2022-08-22
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed errors and inaccuracies on my credit report via Equifax 's online disputing service on several occasions over the past few months and they have yet to be removed. I decided to actually call today, XX/XX/22 at XXXX and spoke with a representative by the name of XXXX XXXX # XXXX from Equifax XXXX XXXX refused to further investigate the inaccuracies I reported that I have already previously disputed. She also refused to transfer the call to a higher representative such as a manager or supervisor or a colleague to better assist me. She told me she could not transfer the call, but I could hang up and call back. XXXX was unfortunately rude and did not perform her duty in a respectful manner, after so long she hung up. I called back at XXXX and spoke with a male representative whose name and associate number I did not get. I told him my issue and before I could finish he immediately began giving me a similar script XXXX did and the phone went silent. I am assuming XXXX was in the background coaching him, he then came back on the line and proceeded to transfer the call as I had asked to be transferred to someone higher than him. I waited on hold for about 30 minutes and the call proceeded to be disconnected on their end. I am not getting any help from the company and it is hindering my credit acquisition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
on or around XXXX there was a late payment posted to my account from Capital One XXXX XXXX XXXX  Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX XXXX 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-25
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:
Reference Number XXXX. XXXX XXXX Bankruptcy Bankruptcy XXXX XXXXXXXX XXXX ( successfully removed from Transunion and 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 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation