BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a full time college student and had gone out of the country for school breaks and couldnt come back in time because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As a result, I missed my credit cards payments with XXXX  XXXX XXXX and XXXX XXXX. I also missed a balance assist loan payment with XXXX  XXXX XXXX. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My XXXX XXXX has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Months ago, I have sent a letter to the three credit bureausasking 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 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 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 2022-08-17
Company: Kriya Capital, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with XXXX XXXX XXXX ( for XXXX ) and Credence ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers. 

I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally. 

Thank you for protecting my rights. 

Best,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am in desperate need for help with two credit bureaus that deliberately add information that was disputed and removed, back on my credit. This is a vicious cycle that has to cease. They are hurting my credit continually, approx every 2-3 months and this has been going on for 5 years or more. I have fought with them, they remove the information, but very sneakingly they deliberately add old removed false disputed information back on my credit report. I have called and I have talked to numerous individuals with Transunion and XXXX. They will remove the information if I call and spend about an hour and half just trying to reach someone. I have wrote letters explaining in detail what is happening, I have never received any explanation or reason why this keeps happening, I have been in tears because my credit has been destroyed due to the fact I am a victim of fraud and it is very clear and known that my identity has been stolen and I have had to dispute so many fraudulent accounts and Ive provided proof of identity theft with a letter from the irs stating someone was trying to file taxes under my personal information using my social, my home address, my phone number even, it has been a nightmare. I dont know if I will ever recover from the amount of damage that these criminals have caused me by stealing my personal information amd opening up fraudulent accounts using my social and other personal information. I am needing help making sure that the credit bureaus stop deliberately putting false information that was disputed and removed, back on my credit report. I dont understand this and its so frustrating because I have spent countless hours having to contact these bureaus every couple months to dispute and tell them to remove certain information that was removed already. I dont have time or much patience anymore to deal with this. This is my life, they are hurting my credit continually by adding this false information back To my credit report. It was removed and disputed to start with due to it being a fraudulent account. I need them to remove my disputed information and stop putting it back on.

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 2021-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I. In XX/XX/XXXX, through her bank, Capital One, and financial services firm, XXXX XXXX, my mother purchased an annuity for a term of 3 years, to end in XX/XX/XXXX. 



II. As per the contract, she was supposed to get notice of expiration in XX/XX/XXXX, however, no such notice was received. Not from Capital One, Not from XXXX XXXX, and Not from Principal. These three entities colluded to act in a deceptive manner and are pointing fingers at one another. Capital One saying XXXX is responsible, and XXXX saying Principal is responsible. Principal continues to hold my mother 's money XXXX and refuses to return the full amount due. 



III. Principal renewed the term for another 3 years without authorization, and are holding her funds XXXX, and will not surrender them without assessing substantial penalties. 



IV. We've contacted XXXX XXXX, who passed us on to Principal. Principal claims to have sent a letter, however that was not received by my mother. They have also not provided any proof of the letter being sent. Just a digital copy of a potentially backdated letter.

V. Multiple calls to XXXX XXXX, Virginia Bureau of Insurance Commissioner have gone unreturned. 

VI. We demand the full amount of the account to be returned, and an interest penalty of 18 % per year for the additional time these entities continue to hold our funds XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
The PAY HISTORY is incorrectly showing as a Repossession in XXXX of XXXX. This was paid/settled in full in XXXX of XXXX. This is grossly damaging my Fico Auto score Payment history guide Repossession as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Show less Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Type Auto Loan Terms 33 Months Credit limit or original amount {$9700.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount Not reported

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2022-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I would like to start by saying that this is the second incident of fraudulent activity on my checking account with Fifth third bank within the last 2 months. The incident in question was discovered on XX/XX/2022. I logged into my checking account to review my banking activity and noticed that there was a check cashed against my bank for {$1100.00} ( check # XXXX ). I immediately went to review my checkbook to determine wether this was a valid or fraudulent activity on my account and discovered there was no check written or signed by me for that amount. I also discovered, that a check with the same check number ( check # XXXX ) was made out to the XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/2022 for {$150.00} cashed on XX/XX/2022. In comparing the XXXX check ( original check ) and the fraudulent check, I discovered that the XXXX check did not match my check except for the check number, routing and account number. I immediately called the bank on Friday to discover that their fraud department was closed and instructed to go the a bank branch to file a fraud packet. On Monday, I went to the bank branch and filled out a fraud packet which in short, I was informed by corporate disputes that the packet that was given to me was incorrect. I filled out a new fraud packet and submitted said documents immediately. I was initially told that within XXXX business days they would have a resolution for me, yet 10 days came and went with no resolution. Since that 10 day period, I have spoken to numerous representatives and supervisors whom have repeatedly told me that it will be resolved within XXXX to XXXX business days. We are now without resolution going on XXXX month and 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom it may concern, In approximately XXXX, my wages were being garnished for a student loan debt by debt collectors of Eaton Group Attorneys. XXXX of XXXX I contacted Eaton Group and spoke to XXXX ( XXXX ) to inquire about this debt. I was notified that they had a 2nd garnishment for a XXXX credit card that they were then collecting on. I was not notified of this at all. So XX/XX/XXXX I received payments from Eaton Group in  approximately over {$800.00} for overpayment. 

In XX/XX/XXXX, I was sent a judgment letter against me rewarding XXXX XXXX   {$4500.00} for this XXXX credit card account. I once again never received court documents until they were supposedly filed against me. I notified Eaton Group Attorneys that I was seeking legal advice and needed more information on this debt. I always inquired about the statutes on this credit card since it was from XXXX, and the account was closed. In XX/XX/XXXX I received more documents where their was a court date and I was not notified. The supposed judge issued a wage garnishment for this account from XXXX. I sent a written correspondence to Eaton Group requesting more information and why wasn't I notified of a court date. I also advised them to submit all info regarding this to my attorney. I heard nothing, but my wages began being garnished on this 20 year old account. 

After contacting XXXX regarding this issue, they had no knowledge of the account being open and were no longer collecting. After carefully looking over my credit report, this account from XXXX is open without my knowledge with an credit limit of {$3500.00} in which I did not authorize this account. XXXX credit bureau could not give me any information or had no knowledge of this account. So I have a 20 year old account where my wages are being garnished and a open credit card account I did not authorize. Eaton Group Attorneys has failed to submit information from 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 2023-12-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice back in XXXX  that my mortgage was being released from bankruptcy and that I needed to prepare to start making payments. I was not receiving any notices from the mortgage company because they had my file geared for electronic mail and I never authorized it. I have never filed bankruptcy, so I requested copies of all payments, deed and my primary note. I have been given the run around from Select Portfolio Servicing ( SPS ) for the past 6 months. I have applied for mortgage assistance but have been denied. 

I receive at least 3-4 pieces of correspondence from SPS every day and each of the mail pieces have different dates and very confusing information. This appears to be a tactic being used by this company to confuse the consumer or to make me give up the fight for my home. I have been in my home for 20 years and have requested an audit on the numbers because I purchased my home for XXXX and today I owe XXXX. There is obviously something shady going on with this company. In my research I learned that there are cases similar to mine all over the country and SPS is in litigation with over XXXX consumers regarding similar issues. I am seeking protection under the laws that protect consumers like me. 

My home has been placed up for foreclosure in the next 30 days. I am seeking HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 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 2021-10-08
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account for some time now with Fair Collections and Outsourcing. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

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 2023-10-19
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:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ;

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
Consumer complaint received 2021-10-25
Company: State Collection Service, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a text message from this company called State Collection Services. Honestly their text looks like a scam. I really am not sure. It doesn't say anything about this is an attempt to collect a debt. I tried to call them multiple times to find out if it was legitimate. When I finally got through they wanted my full name, date of birth and address. That sounds super scammer. That sounds like every other scammer that calls. I said if I have a debt with you can you pull it by my name. The lady was super rude. Didn't say this is an attempt to collect a debt. 
I still have no idea if this is legit or not. Why would I give my information to anyone with 10 scam calls a day and I don't have any idea if this is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: JH Portfolio Debt Equities, LLC
State: OH
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 have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED ACCOUNT REMOVED HAVE NO CLUE OF THIS, REMOVE HISTORY. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation