BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover has violated my rights as a federally protected consumer. They provided my information to a ( 3 ) third party entities which is a direct violation of their own privacy act and 15 USC 6802 - 15 USC 6805 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given notice to opt out and now theyve damaged my credit profile! XXXX, XXXX, and XXXX has also violated this law and furthermore have been reporting transactions between me and the financial institution Discover. 

Ive also written to Discover as instructed in the monthly statement mailed to me by the company ; claiming the credit balances on XX/XX/2022. They have yet to remit and apply this to my account. I havent been able to use my card since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and 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 2018-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX I needed a better car to go to work. I went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, in XXXX XXXX XXXX XXXX offered me a XXXX XXXX XXXX and it was used. The car was in good shape and we proceeded to do the paper work. I was approved for a loan from Capital One Auto Finance for XXXX dollars a month and for 6 years. The car dealership said I could apply for a lower interest rate after one year and I went for it. I had a great job and I could afford XXXX a month with a high interest rate approximately 26. But when my mother became ill and I had to travel more often to visit and help out with her rent things got complicated. I struggled to pay this car. I called the company several times and they did help by extending my payments, but never with lowering payments or bringing down the interest rate. When my mother passed away I had to step down from work because I had a melt down. I got behing on the payments. I called the company again to lower the payment and this time they helped me with lowering my payments to XXXX dollars. And the interest rate was lowered to 17.92 %. Only {$48.00} was lowered. Capital one also extended my payments for 20 more months. I had no choice but to accept this offer. They said I would fall eventually into repocession. I had no more options.No bank could help me with my bad credit. I feel deceaved from the XXXX XXXX and Capital One Auto Finance. These car loans with high interest rates as high as credit cards are unacceptable and My original loan was for {$15000.00}, open date XX/XX/XXXX, I have paid {$17000.00} in total interest, {$9300.00} total principal paid. Now its in repocession and I feel I should pay them nothing!!!!! not one more penny. This car is mine and XXXX XXXX and Capital ONe Auto Finance take advantage of people. It needs to stop and I want money returned back to me for all the deception these two companies have caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At time of hospital visit a credit card was placed on file to make all charges of stay from hospital and providers. The total amount was charged on XX/XX/2021 in full. When debt collector called I called the provider billing dept and spoke to agent who is responsible for doctors for the hospital facility XXXX XXXX XXXX ext. XXXX and she verified balance is XXXX. I spoke to XXXX at the hospital ( XXXX ) XXXX and she also verified balance is XXXX. She also confirmed a refund of {$700.00} was sent for an overcharge on the credit card. The debt collector has not been able to provide transaction payments. I have verified with both provider and hospital billing departments have a XXXX balance and yet they refuse to remove it. If you call the representatives you will confirm balances are XXXX on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/23 I paid off my car loan with Prestige Financial, the paperwork I got back from Prestige shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. Prestige did not report my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt that I was unaware of due to the lack of communication from those who claim I owed a debt ; According to CRME Finance, I owe {$510.00} and this debt is supposedly a year old. I haven't received any billing information or anything regarding this debt. I called the hospital billing office and they have no recollection of this debt and state they have nothing in their system. They don't even have a record of me being there. I contact the CRME finance debt collection agency and spoke with someone named XXXX. While she gave me the account number, she would not provide the phone number or any information about the organization that stated that I owed the debt. When I asked why the hospital had no information about a visit, she stated that " once it hits a debt collection, they don't have a record of debt ''. This seems false, as the hospital should have billing information. As someone who is familiar with how outstanding collections work, it seems odd that the hospital has absolutely no record of me being there and no record of debt. When I called, The head of the hospitals had a copy of a bill all the way from XXXX and could verify the payment, but stated that there was nothing on their record from XX/XX/XXXX. Furthermore, the hospital should have information on what insurance paid, etc., if this was done. To not have any information regarding an outstanding bill as large as the one provided and just expect me to pay something that no one has information on is quite disturbing. If I were to pay this bill, how would I know that they would even remove this from my credit? They haven't been honest thus far, so it does not seem likely that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I called Trans Union in regards to credit inquires that I didn't recognize on my credit report. I told them that this information is false and they said that they can't take care of it. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX  XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 2019

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 2021-04-04
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I cancelled a XXXX account with authorization from a XXXX employee. The reason for cancelling the plan after several years of service was because there was no service in the area I lived in even though I paid for service for XXXX  years at that location. XXXX insisted I pay a disconnect fee after I already canceled the service even though it was authorized by their employee who agreed I would not have to pay a fee. I spoke with an attorney who helped me communicate with XXXX and collection agencies about the conflict, disputing the charge. Since at least XXXX XXXX  has continued to harass me for some partial payment off and 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 explanation
Consumer complaint received 2023-09-21
Company: Linebarger Goggan Blair & Sampson LLP
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
received letter on XX/XX/23. Faxed response on XX/XX/23. Toll violation of {$1.00} that they are trying to collect XXXX for. As of XX/XX/23, I have received NO information on verification that this is my debt. I provided copies of my credit card statement showing I was moving and had rented a XX/XX/XXXX for that time window, as well as my toll transponder statement showing NO travel either. Even provided my checking account showing I had never left city limits during the time in question. I had not been to the toll plaza XXXX miles away. 

Company is Linebarger Goggan Blair & Sampson, LLP XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Shellpoint Partners, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, Both my loans with newrez ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on AUTOPAY. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a XXXX  account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX XXXX transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, 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 2018-04-11
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   UNKNOWN {$6000.00} XXXX XXXX UNKNOWN {$3500.00} XXXX Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to XXXX  by XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX   XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, AZ XXXX MULTIFAMILY potentially negative icon Potentially Negative StatusClosed. {$15000.00} written off. 
Account TypeUnsecured Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$7500.00} written off. {$7400.00} past due as of XX/XX/XXXX. 
Account TypeUnsecured Balance {$7400.00} Account Name XXXX XXXX / XXXX Account Number XXXX Account Type FHA Mortgage Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$240000.00} Highest Balance {$0.00} Terms 30 Years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Source Receivables Management LLC
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:
The company, SOURCE RECEIVABLES MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The issue involves Equafax. They have stopped allowing my credit report available to me online and through XXXX XXXX on XXXX. After 5 calls to customer support and being on hold for hours and requesting a supervisor I was hung up on several times. I then sent a written Letter to XXXX XXXX with a copy of my social security card, and a picture drivers license with my current address requesting that " I request an internal block removed from my account. ( Ref # XXXX ) .Nobody to date could explain or repair this problem with my Equifax account. PLEASE HELP ME!

Company response to consumer: Closed with explanation