BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Spring Oaks Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am submitting this complaint as there is no third party involved, I am making this complaint to SPRING OAKS CAPITAL LLC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-06
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to you because I am deeply concerned about my money after the maturity of my certificate of deposit. 

I was expecting to receive a check in the mail from CitiBank per my account that matured in last week of XXXX XXXX ; I never received this check. So, in accordance with Citis policies, I contacted the support lines in hopes of finally receiving my money. After nearly a dozen calls and more than a month of waiting, my issue has still not yet been resolved. At this point, I have no semblance as to the whereabouts of my assets. 

Citis policies and practices have withheld my rightful money for an extended period of time. Their employees on the support line, and their supervisors, and executive response team have failed countless times to empathize with my situation, not given me a clear indication as to when I can expect a resolution, masked the status of my open cases, and have even failed to send me a clear resolution timeline. 

After every call I am left feeling distraught, anxious, and outright disrespected. Please, outline to me what I can do to collect my assets that have wrongfully been withheld from me, because Citis policies and employees have let me down so far. 

Additional Details : Citi support case numbers : XXXX, XXXX Citi executive support case XXXX : XXXX, XXXX Some of the record details from the calls exchanged : XXXX XXXX XXXX PST [ 19 minutes ] XXXX XXXXXXXX XXXX  PST [ 11 minutes ] XX/XX/XXXX XXXXXXXX XXXX  PST [ 8 minutes ] XX/XX/XXXX XXXX XXXX PST [ 2 minutes ] XX/XX/XXXX XXXXXXXX XXXX CET [ 12 minutes ] XX/XX/XXXX XXXX XXXX CET [ 26 minutes ] XX/XX/XXXX XXXXXXXX XXXX  CET [ 51 minutes ] XX/XX/XXXX XXXX XXXX CET [ 28 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 17 minutes ] XX/XX/XXXX XXXX XXXX PST [ 35 minutes ] XX/XX/XXXX XXXX XXXX PST [ 15 minutes ] XX/XX/XXXX XXXX XXXX PST [ 7 minutes ] XX/XX/XXXX XXXX XXXX  PST [ 20 minutes ] XX/XX/XXXX XXXXXXXX XXXX PST [ 2 minutes ] Other communication channels : XXXX chat Chat using Citi portal

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 2022-06-13
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trident Asset Management is furnishing inaccurate, and unverifiable information to the consumer reporting agencies. Trident is reporting different account activity dates to each agency. Trident is reporting different account status dates to each agency, they report closed to one and open to another agency. Trident is reporting multiple address for their company in an attempt to deceive the consumer and make them unreachable. Trident is not reporting that this debt is in dispute by the consumer to Equifax. Trident is derelict in their duty as a data furnisher. They knowingly or should know that the information is inaccurate. They have never received written instruction from me giving them permission to furnish a consumer report as it relates to me. Trident has never replied to the Notice of Debt Validation which they received from me. Trident Asset Management is engaging in fraudulent and deceptive means in an attempt to collect a disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2023 I have reached out the Experian, XXXX and XXXX about a bankruptcy reporting that do not supposed to be on there. With the bankruptcies showing it is causing me a hardship and will like monetary if its not removed immediately. Bankruptcy court stated they do not report to the credit bureaus which it needs to be removed, document is attached. Rule XXXX Privacy Protection for filing made with the court. 
I have previously disputed this item with you ( US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX MI XXXX ) and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit agencies for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting quirements do not comply with FCRA 611 ( 15 u.s.c. 1681 and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Kriya Capital, LLC
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: Account status incorrect

Complaint:
I spoke to XXXX at XXXX XXXX XXXX  XX/XX/22 and they said my balance was XXXX and I was set up to make XXXX installments.i paid XXXX XX/XX/22 then paid XXXX XX/XX/22. Received a letter from XXXX XXXX XXXX  XX/XX/22 saying account has been resolved for less then the balance. Spoke to credence and disputed by email XX/XX/22 with a letter from XXXX XXXX XXXX that they sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone open an account under my name and I went in store and they told me to file a dispute and i did and its very upsetting Because a creditor not supposed to either sell or put fraudulent account on anybody credit and XXXX did that to me and I want everybody to XXXX XXXX is the worse company and I will talk to my lawyer until they remove all fraudulent account from my account because they havent sent me proof that I sign any paper with my name because I never had XXXX they will hear from my lawyer very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
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. 

PLEASE SEE ATTACHED LETTERS

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 2022-02-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I submitted a complaint on the cfpb website stating thaXXXX XXXXt is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX  hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with covid in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

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 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : XXXX ; XXXX XXXX XXXX XXXX Owed : 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified and complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX  an Unauthorized User, used my Cash App App and tried Fourteen transactions with various amounts, totaling {$2400.00}. My bank at the time, XXXX XXXX, was able to stop Eleven of the transactions but Three went through in the amounts of {$5.00}, {$200.00}, and {$500.00}. I immediatley contacted my Bank and CashApp about the unauthorized access on XX/XX/2022. XXXX XXXX said to contact CashApp about it because it was a Point of Sale issue and not their jurisdiction. CashApp stated to contact my bank about it, because my bank issued debit card was linked to my Cash App account. So the Circle begins! As of the date of this letter, I have since been refunded for two of those transactions for {$200.00}, but I have not been refunded for the last one for {$500.00}. The last time I contacted CashApp was on XX/XX/XXXX  and they said to get updates from XXXX XXXX. XXXX XXXX  has since closed my checking account associated with the linked debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've already reported this company before, and they said they put me on a Do Not Contact list, but they still call repeatedly.

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 2018-04-17
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX has not reported my payment history since XX/XX/XXXX. I have contacted and can't get anyone to report monthly to credit bureau. This is affecting my credit due to me trying to get a house. I have also faxed a copy of my Driver license and Marriage certificate where I got married XX/XX/XXXX and my name was changed on my account last time I complained and now it is back to XXXX. My Legal name is XXXX XXXX now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 at approximately XXXX CST I started receiving several emails from ALLY BANK that new accounts were opened with my information. one acct was an interest checking ending in XXXX then another was a savings account ending in XXXX. Then I received an email stating that a XXXX was available for deposit. Then after that I received an email that I needed to call in and verify some information and that the account had been locked due to suspicious activity. I immediately contacted ALLY bank because I HAVE NEVER AND STILL DO NOT HAVE an active account with that company. I spoke to a representative name XXXX i explained what was going on. XXXX he was unable to authenticate me using a three-question set of security questions he was took a report and sent it over the loss prevention department who will review it and if deems that the case was open in error due to fraudulent activity " which it certainly was '' then after approximately 30 days the accounts would be closed. I requested a call back AFTER the investigation. 
**Again, I have never opened a bank, checking, savings account of any type with ALLY BANK.

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 2023-08-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Whom It May Concern, I have filed multiple disputes with XXXX  XXXX in regards to the inaccurate reporting on my credit report and nothing has been done to fix the situation. 

XXXX XXXXXXXX is inaccurately reporting information on my account in regards to the date the account was closed and a 30 day late payment. 

I have a letter from XXXX XXXX stating that the account was closed on XX/XX/. As of my credit report on XX/XX/XXXX  the account was reporting accurately as closed. The following month the account was then reported as 30 days late in XXXX and closed in XXXX. The month after, the account was reported as closed in XXXX and so forth. 

As of my most recent dispute, one account is now reporting that the late payment was in XX/XX/XXXX  and the account was closed in XX/XX/. 

I have been trying to have this situation handled numerous times to no avail and am now demanding it to be fixed. I was suggested to seek legal assistance by the CFPB for next steps and this will be my final attempt to have this situation fixed before doing so. 


Please have XXXX XXXX accounts reflect the accurate date of closure ( XX/XX/XXXX  ) effective immediately.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MO
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 fourth 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 items 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 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 explanation
Consumer complaint received 2023-03-04
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 filed a former complaint with TransunionXXXX through this site. In response they stated that they were going to provide me the documentation and correspondence of all parties and conversation once the CFPB closed the complaint out. I have never received the documentations and it has been over 30 days. Here 's what I'm asking from Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 RE : Method of Verification To Whom this May concern : I'm requesting the Method of Verification for the dispute account ( s ) below : Account Name-Account # Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX  XXXX 1 . ) Name of all creditors 2. ) Creditor 's address and telephone number 3. ) Documentation used to verify the disputes.

I'm requesting that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the request documentation, please delete the account ( s ) from mt credit report. 

Thanks you,

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