BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full but is still on my credit report which needs to be updated to good standing and collection deleted off my report! My approval code given is # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull my credit.

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 2019-06-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have attempted to resolve this issue through citibank to no avail. Therefore, as a final resort before giving up completely I was told to file my complain here in hopes of a resolution and in an effort to prevent someone else from having to deal with this. 

I opened an account on or near XX/XX/XXXX because Citibank was offering a [ up to ] {$500.00} cash bonus for consumers who opened an account, maintained {$15000.00} in combined balances [ checking and savings ] as well as received direct deposit for a period of 60 consecutive days. According to the terms and conditions in the advertisement, the bonus was to be deposited no later than 90 days following having met all requirements for the offer. My combined account balance of {$15000.00} has been maintained since XX/XX/XXXX, and received bi-monthly direct deposits in the amount of {$200.00} from XX/XX/XXXX through XX/XX/XXXX. 

Since then I have escalated this issue through citibank and have received letter correspondance stating that i did indeed meet all requirements, however, have yet to receive the bonus. The 90 days elapsed on XX/XX/XXXX from the time I satisfied all their requirements. Each time i have contacted their customer service department, the story has remained the same, " we're not sure why, all we can do is escalate. '' I will attach photos of both the advertisement and letter correspondance received from citibank to my complaint. 

Thank you for helping me with this issue.

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 2018-11-26
Company: EQUIFAX, INC.
State: MN
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:
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. XXXX XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Collection Resources, Inc.
State: NM
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:
I filed complaint # XXXX on XX/XX/2021 due to additional fees and the amount owed being misrepresented by the collection agency. They responded that they would remove the fees. Today I received a credit score alert and found that they have reported to the credit bureau the amount with the fees that they were to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Account information incorrect

Complaint:
To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.

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 2023-02-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First, this complaint is n't about XXXX. It is about TransUnion. 
I 've have a credit freeze on my TransUnion account for many years. A company that I wanted to do business wanted to access my credit report. So I called TransUnion and had them temporarily remove the credit freeze but install an access code. I specifically asked whether anyone would be able to access my credit file without the access code and was told " No. They must have the access code. '' About XXXX minutes later, I decided to go to the XXXX website and get a copy of my TransUnion credit report. XXXX did not ask me for my access code ( instead asking me a few questions about prior addresses, etc. ) and did provide me with a TransUnion credit report. This means that TransUnion sent them my credit report without my access code being provided. I called TransUnion immediately after this and verified that I do have an access code. However, they told me that a company asking for my credit information does not need the access code to access my credit report. ( They said that most banks have configured their software to recognize that an access code has been set so that they can ask the customer for that code, but the banks do n't have to do so ). So basically, an access code would provide no protection if the inquirer did not care to honor it. As far as I 'm concerned, TransUnion made a fraudulent claim about how the access code works.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2019-06-01
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that I, XXXX XXXX, represents the interest of the Estate of the enclosed named private man and consumer ( Natural Person ). This writing constitutes notice to you SECOND ROUND LLC of the undersigned 's claim against you and demand for damages pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) and 15 USC 1692k ( a  ) ( 2 ) ( A ) respectively. 
The facts giving rise to this claim are as follows : Count 1 SECOND ROUND LLC is a debt collector who has regularly furnished adverse/negative information about this consumer to one or more consumer reporting agencies ( third persons ) and therefore is subject to the FCRA SECOND ROUND LLC is obligated to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a  consumer reporting agency. 
SECOND ROUND LLC furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
SECOND ROUND LLC has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from SECOND ROUND LLC and the time allotted for doing so has since expired.

SECOND ROUND LLC has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section. 

COUNT2 SECOND ROUND LLC is a debt collector as defined within the Fair Debt Collection Practices Act ( hereinafter FDCPA ) ( see 15 U.S.C 1692 a ( 2 ) SECOND ROUND LLC is subject to regulation and liability under the FDCPA SECOND ROUND LLC is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
SECOND ROUND LLC has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX  and XXXX. 
SECOND ROUND LLC has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ) These are just to name 2 violations. Second Round LP is guilty of many  more FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Cogent Road, Inc.
State: CA
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:
This is following up on a complaint I submitted on XX/XX/18. A firm named XXXX XXXX/XXXX   XXXX XXXX pulled a tri-merge credit report without my authorization. 

XXXX XXXX  responded that the credit pull was in error and they were going to remove it from my credit report. 

I have waited three months and this inquiry has not been removed. I never authorized this company to pull my credit and I want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About a week ago my car was broken into and my wallet and checkbook were stolen. Somebody fraudulently deposited a check of mine into their account and my debit card was also used to make fraudulent purchases. TD bank called me to inform me somebody has deposited a check and called me to confirm if it was me. I explained to them that I did not and that somebody stole my check and deposited it. Due to that happening TD has froze my account. I called customer service and was informed to go to my local branch and they will help me. I went to my local branch and was told to call the Demarketing team and to leave a voicemail which I did and have yet to receive a call back. I have responsibilities and need to access the funds that are in my account. Please help me recover the funds in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ). 
I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax,, experian, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 
Which is a violation, this is impacting me from moving forward to buying a house for my family I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient applied a deferment to my XX/XX/XXXX loans without my consent and now refuses to remove it. They are XXXX me out of qualifying payments towards Public Service Loan Forgiveness. Have tried multiple times to get them to understand my situation and have requested they put all my loans back into repayment. Their representatives give false and inaccurate information. I graduated in XX/XX/2018 and should have my graduate loans in repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following COLLECTION PROFESSIONA ( Original creditor 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: PNC Bank N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My husband and I applied with XXXX XXXX XXXX refinancing and when they pulled our credit report it doesnt show our current auto loan with PNCBank which we have had since XXXX  when we purchased the vehicle. When I called the bank they said they report it every thirty days. The person I spoke with filed a grievance but assured me they were reporting it every 30 days. After speaking with PNC Bank I called XXXX XXXX credit reporting bureau and they have no record of them reporting ever. I checked XXXX and XXXX and it does not show there either. We can not refinance without this report coming from the credit bureau. We are having financial problems and it is imperative that we have the refinancing done as soon as possible. Now we have to wait 30 days and this certainly doesnt seem fair because someone has made a bad error. Please expedite this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ALLY FINANCIAL INC.
State: NJ
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:
On XXXX  I have a ally financial account that I was never late on XX/XX/2015 and if I was late please send me proof of the account notarized to my address also to cfpb

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 2019-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. XXXX in XX/XX/XXXX, SC tax payers breach in XX/XX/XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Transunion explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the USA and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.

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 2023-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company called " Portfolio recoverys. '' I've made no contacts or arguments with this company. They say I owe {$760.00}. I need this removed from my credit immediately. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.

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 non-monetary relief