BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TRANSUNION has put a random fraud alert that I did not request, because I was questioning what was on my consumer 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 2017-05-15
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 had an account with  XXXX   XXXX   XXXX  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current, and reported negatively on my credit report until the account was paid in full  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), t his account should be removed from my credit report. It has been re-aged by the Experian to reflect a different date of default. The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from Experian and  XXXX   XXXX   XXXX  showing the original status of the loan, showing the original default date. I have disputed the information with Experian, whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first major delinquency report ed (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the letter showing the account paid in full from  XXXX   XXXX   XXXX , as well as, credit reports from Experian and  XXXX  from  XXXX . This account should be removed from my credit report as it has reported negative information for 9 years.

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 2023-11-25
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a compliant against XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is owned and operated by XXXX XXXX XXXX XXXX Additionally, I am submitting a compliant against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for attempting to collect debt that I do not owe. 

I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and received and cashed the deposit check for {$310.00} on XX/XX/XXXX ( with damages already deducted from the initial {$500.00} deposit ). 

An email appearing to be from XXXX XXXX XXXX contacted me on XX/XX/XXXX attempting to collect {$130.00}. This was the first email I had received since the move-out nearly one year prior. However, XXXX XXXX State law stipulates the landlord has 30 days to contact the renter after the completion of a lease. XXXX XXXX XXXX is FAR past the statute of limitations to contact me. 

Moreover, the link to the payment site pointed to a non-XXXX  affiliated website XXXX XXXX XXXX XXXX XXXX XXXX, which indicated to me that the email was most likely fraudulent. 

I attempted to contact both XXXX and Columbia Debt Recovery via email on XX/XX/XXXX, but I have not received a reply. 

Additionally, my most recent credit reports from both XXXX XXXX XXXX show the collection account for money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unequal treatment of XXXX XXXX  consumers in the credit reporting process and the violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have been a victim of TransUnion 's failure to comply with the FCRA and its obligations under the law to ensure the accuracy, completeness, and confidentiality of the information they provide, as well as their failure to comply with the Metro 2 format and the procedures outlined in 15 U.S. Code 1681i in case of a disputed accuracy. Despite my efforts to have the inaccuracies on my credit report corrected, TransUnion has failed to take any action and has violated my rights under the FCRA. I believe that the unequal treatment I have experienced in the credit reporting process is unacceptable and I am seeking the assistance of the CFPB to address 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 non-monetary relief
Consumer complaint received 2017-05-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
had account with TD bank in  XXXX   XXXX  florida around  2013. closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my  XXXX  and credit report just with the last two months.  I do not have my old account number. want it removed immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX  account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.

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 2016-01-20
Company: ALCHRO INC.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX INACCURATE NAMES, AND ADDRESS.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-01-18
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am formally filing a complaint against : PNC bank : XXXX XXXX XXXX XXXX   XXXX OH XXXX ... XXXX They have illegally and fraudulently added a balloon payment Of {$8000.00} + to my loan balance which was not on the original contract that we signed in XX/XX/XXXX. The terms of the {$100000.00} home equity loan ( 5.99 APY ... 15 years ) clearly stated that I had to make 180 payments of {$840.00} over 15 years ; starting with the first payment on XX/XX/XXXX until the last one in XX/XX/XXXX.

As of today I am current on all payments including all late charges and financing charges which might have occurred over the years.

I just made my XX/XX/XXXX payment. As of today I should only have 13 payments of {$840.00} which should equate to a balance of {$10000.00}. Instead I am being told that PNC will charge me a balloon payment of $ 8000+ after the final 13 payments, raising my balance to over {$18000.00}. That is contractually false and fraudulent.

As I stated earlier, this was not stipulated in my contract. PNC is clearly trying to overbill me on this ; loan.

As a resolution, I would need to start receiving statements from PNC which would accurately report the actual balance owed ( {$10000.00} as of XX/XX/XXXX -- ( 13 payments of {$840.00}. I do not owe the {$8000.00} balloon payment they have added on the backend of the loan. It is pure financial theft.

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA

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 2023-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

U.S. Department of Education - {$1100.00} U.S. Department of Education - {$2000.00} XXXX LA XXXX NO BALANCE XXXX XXXX - {$200.00} XXXX XXXX XXXX - NO BALANCE XXXX XXXX - NO BALANCE Security Finance - {$380.00} XXXX XXXX XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$230.00} XXXX XXXX XXXX XXXX - {$220.00} XXXX XXXX XXXX XXXX NO BALANCE XXXX XXXX XXXX - {$260.00} By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
sending me a paper stating that owed for an account called XXXX from 2015 and never got an account open from there and keep harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about  Ally  Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world.     I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not  Ally Bank  's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of  Ally  Bank.     I would like to humbly negotiate  one  of the following with  Ally.  I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.

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 2023-11-25
Company: Atlanticus Services Corporation
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I just activated my new Credit card ( Fortiva ) And understand there is a yearly annual fee. XXXX $ on activation day, and XXXX $ yearly thereafter. However, in the Setup and Maintenance Fees portion, it says NOTICE : The annual Fee will be assessed before you begin using your credit card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you will not be responsible for any fees or charges. So I called up fortiva telling them I hereby do NOT agree and reject the plan for ONLY the 1st initial annual fee of {$170.00}, which it says I can reject and not be responsible for any fees or charges. So I fulfilled both requirements, not using my account or payed any fees after the first billing cycle. Fortiva told me that If I reject the annual fee of XXXX $ ( which it explicitly says I can reject and not be responsible for ) that it means i want my account closed. I asked where it says this explicitly in the Cardholder agreement and this is what they said, It does not say tht explicitly. it means if you reject, you agree to have your account closed, if you reject the initial annual fee of XXXX $ ( NOT the {$49.00} annual charge. i am only disputing the XXXX $ setup fee. ) oh well sir it does not say it explicitly, that your account will be closed if you reject the initial assessment annual fee of {$170.00}. They really said that. So it should say it explicitly if that is the case! If you need any further clarification please let me know thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
locked out of my account over a month ago. Chime requested that I send a picture of my id with me also I. The picture. My wallet was stolen so I had to go to the local dmv ( Kentucky ) and get another state issued i which I did. In Kentucky the dmv send you with a paper id until the state send you the hard copy is in the mail with 10 days. I explained this to chime and they said they system wouldnt take it I. The mean time after speaking with 20 customer service reps and send over 50 email I was told a thousand different ways I could possible get access to my account send. Send my ssn, marriage license and, check stub, lease agreement, I send everything I had and was still denied access. My account was closed on XX/XX/2023 and I was told my remaining balance would be sent to me When I received my id in the mail I reached out to see if the process could be sped up and still I wasnt granted access to my funds. I just dont understand why after closing my account chime is still refusing to issue out my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was reported over a year ago as a result of ID theft. Resurgent Acquisitions LLC is now in violation of the FDCPA for purchasing a debt that was previously disputed as a result of ID theft. Resurgent is trying to collect a debit that has been reported disputed. This account is issued from XXXX XXXX for a XXXX store card. Account ending in XXXX and a reported balance of {$160.00}.

Company response to consumer: Closed with explanation