BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an auto loan with ally financial. I defaulted on the loan on and my last payment was XX/XX/XXXX. 

I took it upon myself and surrendered the vehicle over to the repossession company. 

Ally has reported to the credit bureau a false time line of my final payment being in XXXX of XXXX. 

This has now been effecting my credit for 7+ years, due to false information on my report, this has not fallen off. 

Not to mention the debt was charged off so Ally not only repossessed the car but also charged off the debt at no loss.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-09-05
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: VA
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:
Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B ) XXXXXXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: F.H. Cann & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter dated XX/XX/XXXX from F.H. Cann & Associates , Inc from XXXX, NH phone ( XXXX ) XXXX. The letter identified this company as a debt collector. The verbiage of the letter indicated that I owed {$610.00} to XXXX XXXX XXXXXXXX XXXX. 

All my credit cards are locked with each of the credit bureaus. It was not until I filed my takes in XXXX that I discovered my identity had been stolen. I am retired living in FL and I do not do any online courses. My identity has been compromised. The IRS has indicated that someone filed taxes using my XXXX and XXXX at my address. What was missing on the IRS tax form was my full name. I filed an identity theft report with the IRS. 

I called the debt collector phone # and a someone answered, then hung up. I called back and the same person answered but did not hang up. I explained the debt was not mine. The company rep was rude and said to call the college, that the debt was mine. He wanted my XXXX #, which I did not provide. I responded my identity was stolen and asked for the last name of the person who owed the money. since only my first and middle name appears on the debt collection letter. The debt collector rep would not answer and told me to contact the college before hanging up. There is only an account # noted with the name of the college, but no phone #. According to the letter I can only dispute the debt in writing by XX/XX/XXXX either by letter or on their website. 

I filed a fraud alert with XXXX on XX/XX/XXXX and was advised to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my credit card is XXXX, I've contacted the company about 6 times and I still haven't received a card. Each time I call I speak with a representative that gives me an excuse to why it wasn't sent out or why I never received it. I was told twice there was a system malfunction that's why it was never sent. Spoke with a supervisor and she assured me 3 weeks ago id get my card with expedited shipping and still never received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive tried to get unknown debt off my report but no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX 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 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 2022-07-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
There has been a XXXX XXXX XXXX in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The XXXX submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to XXXX XXXX XXXX XXXX and XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Fraudulent accounts open in my name

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-12-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have never had any business with PNC Bank. I received notices that at least 3 new accounts were opened in my name. The customer service telephone numbers provided to report fraud were worthless because hold times were interminable. Finally, I visited a local PNC branch and the manager was somewhat helpful in reporting the fraud. 

I requested information about what private information of mine PNC had fraudulently obtained and presumably still had archived. In response, all I received was a bunch of perfunctory account closing reports with condescending correspondence about how PNC was pleased to help me solve MY problem. 

I had no problem! PNC had a problem in that they had established policies that made it easy for perpetrators to open fraudulent accounts even though it would be easy to institute anti-fraud safeguards. Instead, they opt for expediency, presumably to facilitate higher profits. This creates innocent victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 120 dates late as of XX/XX/2018 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. I did not worry about making a payment when I was not receiving statements because I thought that loans were in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-10-03
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 XXXXXX/XX/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 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 2021-03-05
Company: EQUIFAX, INC.
State: WV
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:
Equifax has negligently failed to report my credit accurately or report information provided to them creditors by : 1 ) failing to delete the record of default as instructed by the department of education rehabilitation services 2 ) overstating the total debt listed on my credit report by doubling my total federal student loan debt 3 ) failing to fix a problem created internal to equifax despite the creditor reporting the correct information to equifax 4 ) failing to have a procedure in place to confirm that the information reported to them by the servicer or creditor matches what they are reporting as per my credit report and factored unto my credit score 5 ) failing to fix a problem that equifax caused internally and instead treating the problem as a dispute with a creditor instead of as a complaint directed specifically at equifax 6 ) training or allowing multiple agents to lie or facilitate lying on the phone as evidenced by multiple agents of equifax denying that equifax committed an error despite admitting such errors prior to denying them 7 ) double reporting 8 federal student loans as 16 or more separate federal student loans 8 ) failing to correct the drop in my credit score attributed to their errors including but not limited to misclassifying open loans as closed and failing to delete the record of default on rehabilitated federal student loans despite being directed and provided proof of such by the servicer a month prior to my score dropping by 58 points ( equifax score only ) 9 ) failure to reconcile federal student loans as being one in the same loan simply because the account number changed when the servicer changed despite easily being able to identify each duplicated loan as the loan amount is the limit amount and date of the loan being the date reported being the date the loan was issued or first reported The above problems were not handled, present, or encountered with regards to XXXX or XXXX. These were specific to Equifax which has still failed to compensate me for the 2017 breach.

Company response to consumer: Closed with explanation