BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a resident of XXXX XXXX XXXX managed by XXXX XXXX, after losing income I decided to turn in my unit as I was no longer able to keep up instead of being evicted. Not only did XXXX accept my move out request and I agreed to be responsible for lease termination and month of XXXX rent that was not paid. At end of day on XX/XX/XXXX I fully vacated my unit and took pictures to support taking everything out my unit and left how I received the unit. There was additional fees added on and no real explanation, there was a charge particular for furniture removal which was false because I left unit clear. The company did provide a report that was date and time stamped showing that my unit was accessed without my consent or knowledge by maintenance staff for said pictures provided. I did provide UDR and GENESIS with this information as well alongside support photos to XXXX, GENESIS denied to accept said pictures and it was denied being reviewed due to me telling the collection rep that I do not have the ability to pay the balance in full at this very moment. I did ask for a payment arrangement in which I have emails from company directly offering a inhouse payment plan then the next week it was placed in collections. The door locks are electronic and should be time stamped and each and every entry, When asked to provide this information, I was again denied access and DEMANDED to pay balance in full before threating that if I do not pay he will have acct placed on my credit. They also do not have my legal name correctly but from the reviews I see this is there common practice for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged an eviction on my credit report, that does not belong to me. I have reached out to the apartments and to the collection agency. The apartment said i was a cosigner which is incorrect, I never cosigned for anything. Please help me fix this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us. 
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check. 
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter. 
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either. 

Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?

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 2017-11-27
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/XXXX I made a check deposit in the amount of {$14000.00}. The next Morning, I had received credit for the check therefor I proceeded to use the funds. However, the next day XX/XX/XXXX the deposited check was in pending status and not available like the previous day. I decided I would go in personally to try and resolve the issue. I initially spoke with XXXX XXXX assistant branch manager she suggested I verify with the owner of the check if indeed the check had cleared their account. I proceeded to do just that, I verified the check has indeed cleared his bank and the funds were no longer in their account. At this point I was confused as I no longer had the funds in my account and it was not in the payers account so where was the money? Since my attempt to resolve the issue with XXXX XXXX was in vain even though I did as she suggested, I decided to email the branch manager XXXX XXXX ( which took over an hour to get contact info as XXXX was hesitant and insistent she was the only branch manager and refused to give me any other manager names I called 3 different locations to get the branch manager contact info as I knew XXXX was being untruthful contact info is not readily available online ). XXXX responded stating the reason the funds were not available is due to the inability to verify funds with the payers bank ( XXXX XXXX ), as stated before the payer verified the check had cleared the account the day before XX/XX/XXXX. I included the payer in the email, so XXXX had verification this was the case. At the end of business day XX/XX/XXXX my account was not credited the funds nor were the funds in the payers account, so the question is where are these funds? According to XXXX the earliest the funds would be available is XX/XX/XXXX. So where are the funds for the 8 days there not in either of our accounts? This has been the 4th occasional this year alone were a large check deposit is held even though it has cleared the payers account. I do not feel this is standard practice and do feel there must be more transparency when dealing with large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX and hoping that these XXXX XXXX Balance XXXX {$500.00} and XXXX XXXX Balance : {$0.00} Late payment will be updated.

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 2018-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found random late payments on my credit report and plus the balance is completely reporting wrong among the 3 credit bureaus. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2021-08-26
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2018-08-11
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have credit inquiries that i didn't authorize.

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 2023-02-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted EQUIFAX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Rozlin Financial Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I started to work for the company XXXX XXXX in XXXX of 2020. They Promised me a new position as a XXXX. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were XXXX different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, XXXX XXXX will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I started this journey of only inquiring with a auto dealership named XXXX XXXX in XXXX XXXX, Texas. I was speaking with a XXXX only. I advised her I did not want my credit run and further impact my credit score. All I wanted to do is get information on a particular vehicle. I gave her my information but I was clear that I did not want my credit run. Next thing I am aware of is that this " manager '' named " XXXX '' has run my credit 9 times with different finance companies. I did not authorize this at all! I left and told them I would take my business elsewhere and that I was very upset at their doings and practices. Totally shady! I had not even made it out to my car and inquiries after inquiries kept digging on my phone. My credit apps that I have in place to alert me kept notifying me of these numerous inquiries. All three credit bureaus are now affected and I have tried to reason with XXXX XXXX but with out any success. All three bureaus will not remove these inquiries either due to their rules and policies according to them. I am requesting your help to get these inquiries off my credit reports. I have been greatly affected by these inquiries and during these hard time due to the economic impact the Covid-19 Pandemic has caused, it's been horrible! Please help 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXX XXXX XXXX ( Bank ) Hard Inquiry : XXXX Hard Inquiry : 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 2023-02-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a credit card with Citizens Bank that offered a sign up bonus. The signup bonus stated if you spent {$500.00} within a certain time frame ( I believe this was a XXXX  day time frame ) they would offer a {$150.00} cash reward bonus. The bonus would be deposited to the rewards were you could redeem for statement credit of receive back as cash. I spent more than the required amount ( {$500.00} ) and did not receive the cash rewards bonus. When I called to inquire, I was told by Citizens that I was under a 'different " rewards sign up bonus. I was enrolled at 3 % cash back rewards NOT the promotional spend {$500.00} get {$150.00}. I did not sign up for the 3 % bonus, as I signed up through their website through the proper offer. My current statement ( or any of the statements for that matter ) mention NOTHING about having a promotional 3 % cash back, This is an error on their side, that they are failing to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Upgrade, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XX/XX/XXXX, my balance was showing on my phone app and the website using my desktop as {$14000.00}. The amount due on XX/XX/2021 was {$500.00} and something dollars ( I can't remember exactly ). I made a payment that day of {$720.00} so it would bring the total down to {$14000.00}. On XX/XX/XXXX, I look at my account and the balance on my account was {$14000.00} instead of {$14000.00} and some change. In addition instead of showing that I have {$0.00} due, it showed that I have {$62.00}. I called the company on XX/XX/XXXX to be told that " oh no worries that will be fixed within day or two. The system has not updated yet. Yes we know you should not have any amount due. '' I waited until Friday, XX/XX/XXXX and called again. I got a representative who told me that he put an order to fix it and that it should be done by Monday at the most. Monday, XX/XX/XXXX came around and nothing was fixed. I called again and again I wait on hold for over an hour but this time I got a " rude '' representative who put me on hold over 5 times back and forth and then finally came back and said that " my manager is literally working on it right now '' and that it should be updated very soon and to call them again on Friday if it is not updated. When I got upset and said that I am not going to call and that I am going to report the company he started getting very rude with me and arguing with me and told me '' ok, don't call! '' So, I am not playing games here and this is a serious issue. You charging me for money that I am not supposed to be paying and not reflecting the right total amount I paid on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the information supplied by XXXX  card to Equifax, XXXX and XXXX was inaccurate, A late payment was reported.

Company response to consumer: In progress
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. 
XXXX XXXX XXXX XXXX Account Balance : {$31000.00}

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