BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Rodenburg LLP
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, along with my father who consigned, took out a XXXX  student XXXX Loan, disbursed XX/XX/XXXX, reflected an original principal balance of {$11000.00}. in the The student loan account serviced by XXXX XXXX XXXX ( XXXX ) on behalf of the holder, the XXXX XXXX XXXX XXXX XXXX ( XXXX ). My father and I started making payments on the loan on XX/XX/XXXX. Total we paid over {$15000.00}. Last we heard from XXXX XXXX XXXX XXXX XXXX was on XX/XX/XXXX through a court order. As of last week my employer received a wage garnishment from the Rodenburg Law Firm out of XXXX, ND regarding the XXXX student loan. I never received information regarding the court hearing date regarding this debt. A judgement against me was issued on XX/XX/XXXX and my wages are now being garnished which is the first I have heard about the judgement being reissued. My father has previously tried to contact the Rodenburg Law Firm in XX/XX/XXXX for information detailing chain of custody, loan application and monthly history of all amounts paid. This has been asked for before that with no response. He received no response again. Even with the payments made totaling over {$15000.00} the judgement is showing listed for {$27000.00}! With no explanation as to the balance or the DRASTIC difference in value. In XXXX, If you seek the validation from a debt collector, then the debt collector must discontinue all attempts to collect the debt until such time as the debt collector provides verification. We have never received such verification. Also the statue of limitations in XXXX should have a bearing on the debt collection according to XXXX Annotated Code TITLE 30. TRADE AND COMMERCE CHAPTER 3. UNIFORM COMMERCIAL CODE NEGOTIABLE INSTRUMENTS Part 1. Short Title, Form, and Interpretation En. Sec. 3-122, Ch. 264, L. 1963 ; R.C.M. 1947, 87A-3-122 ; amd. Sec. 105, Ch. 410, L. 1991.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening, Ive tried to settle my debt with XXXX XXXX XXXX to settle debt to improve my credit but instead of me being able to pay they informed me I no longer owed them they had sold my account to XXXX XXXX, account number # XXXX. Also, the debt amount owed by XXXX XXXX  XXXX XXXX and amount owed by XXXX XXXX  which is on my credit report are two different amounts. I did not receive any kind of notice nor give consent to share my personal information. On XXXX XXXX the Account name is named is XXXX XXXX XXXX and on XXXX XXXX XXXX  which is another inconsistency with my credit report. 

In accordance with fair credit reporting act XXXX  XXXX Account, account number # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Thank you, 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 2022-12-03
Company: EQUIFAX, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX FCU XX/XX/2022, XXXX XXXX XXXX XXXX, 2022 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: CA
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 : In XX/XX/XXXX I leased a vehicle through XXXX for a 3-year term. At the end of the term in XX/XX/XXXX, I returned the vehicle to the dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I received my paperwork that nothing further was owed. 

Several months later I received a letter from XXXX that my lease was up and to return the vehicle. I was surprised and VERY concerned, because the vehicle was returned by the lease end date. When I called XXXX, I was advised that ( to the best of my recollection ) an employee had committed fraud on the company and the vehicle was entered into the database as not returned. I was advised, again this was approximately XX/XX/XXXX, that the matter would be taken care of. 

Fast forward to just recently when I pulled my credit reports, and to my shock the XXXX account is still reporting as Open with a monthly payment of {$480.00}, and a {$5600.00} balance ( see attachment. ) It is also reporting derogatory as a chargeoff, and " Comments '' are misleading, at best. While one comment states " balance owing '', another comments states " ... ENTIRE PAYMENT SCHEDULE COMPLETED FOR TERMS OF AGREEMENT. '' The fact that this account is reporting as Open with a balance and high monthly payment is going directly to my Debt to Income. That coupled with the fact that it is also reporting derogatory as a Chargeoff is causing me to be denied credit and has cost me thousands over the years in high interest rates. I am demanding that XXXX take care of this matter 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 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I strongly believe there was a misrepresentation with regards to the two CC account that were opened up. 

The applicant was never informed that the application was a promissory/instrument that was monetize and/or securitize without the Applicant/Grantor being fully disclose to. 

That why as the grantor of both said accounts that I demanded that the CEO of XXXXapital One produce all documentations regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : After sending a letter to H & R Accounts via certified mail they responded with itemized statements from the hospital that clearly violated my HIPPA rights. The attorney I have spoken with advised me that a collection agency may have access to the amount owed and general medical billing codes regarding the hospital or physician 's office visit. They in no way shape or form should have received an itemized statement listing every diagnosis, procedure, medication, lab, or diagnostic test describing my visit. I was further advised that the legal procedure for this is for the collection agency to request that the hospital send the consumer the itemized statements but a collection agency legally should not have this information, to begin with, nonetheless mail the consumer a copy. This is a direct violation of my privacy and I am prepared to file a formal HIPAA violation complaint if remedied. I absolutely will not stand for my personal information being accessed by anyone other than my medical providers, especially without my permission or knowledge of them having it. All of the accounts placed with H & R Accounts are to be immediately removed from my credit profile and H & R Accounts shall cease all contact with me as well as any further attempts to collect these debts from me or I will immediately file a formal HIPAA complaint and will allow my attorney to start a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: FIRST NATIONAL BANK OF OMAHA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My social security number and information was compromised on the dark web and somebodys opening up credit cards in my name. They hacked into my email account and have my information.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent the credit bureaus a letter on XX/XX/2022 certified tracking # XXXX # XXXX # XXXX asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds 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 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TN
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Paypal Holdings, Inc
State: LA
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 I received an email from venmo stating my account was temp frozen and I need to upload a picture of government issued ID. I was not aware of the email until after i added money in the account which I desperately need because I'm unemployed and now I can't access my money and venmo is failing to give me any information about this, I'm told that the account specialists are handling it bit they can not be reached by phone. I have uploaded my ID as they asked, I called and sent emails with the same response from the customer rep and it's that the account specialists are handling it but they can only be reached through email but I haven't gotten a single response from them. I am literally going hungry because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected on my current capitol one card account number beginning with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home mortgage with another lender and closed on XX/XX/XXXX. The mortgage to be paid off was with Freedom Mortgage. The disbursement date was XX/XX/XXXX. Around the same time, the servicing of the Freedom Mortgage mortgage was transferred to XXXX XXXX. Freedom Mortgage was paid in full ( {$340000.00} ) as part of my refinance but the funds were never transferred to XXXX XXXX to close out my mortgage with Freedom. I am now receiving late notices from XXXX XXXX due to the fact that Freedom did not close out the loan nor transfer payment to XXXX XXXX to close out the loan. I have called Freedom Mortgage repeatedly ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I have also faxed a copy to Freedom Mortgage of the wiring info showing payoff payment information ( copy attached ). I have spoken with XXXX XXXX and they still show my loan as open with them. Freedom Mortgage has been uncooperative with no direct phone number or email address to assist in resolving this matter. I continue to contact Freedom Mortgage on a daily basis and I am constantly placed on hold with no resolution.

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 2023-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I disputed incorrect information on my Trans Union credit report for a XXXX XXXX bankruptcy. The bankruptcy is still reporting as open and filed but it has been dismissed since XX/XX/2019. I have reported the correct information to TransUnion representatives on three occasions and they refused to correct the erroneous information. I explained to them how this was causing me great distress and anxiety because I need to move and was at risk of being XXXX due to the error, and that no one would grant me credit, rent or obtain a mortgage because of the bankruptcy still showing open on my credit report. I contacted TransUnion reps in XXXX, XXXX and XXXX to assist with the dispute and they would not correct the inaccuracy. They stated that they had investigated it and that it was accurate and I tried to tell them that it was not. They told me that I would have to contact the lender but the lender was the Bankruptcy Court. There was a number listed on my credit report and I called it and the clerk stated that they do not report any information to the credit bureaus and that the credit bureaus pay a third-party to report this information. If this is the case, the information is public so I can not understand why it was not updated correctly. I went on the website for the bankruptcy court and was able to print the dismissal papers myself so I do not understand why the credit bureaus could not do the same to help me and update their files to be correct. On XX/XX/XXXX, I spoke to two different TransUnion reps named XXXX and XXXX and then a supervisor named XXXX who researched the issue and said they do see the bankruptcy was dismissed on XX/XX/2019, but I had to wait until XX/XX/XXXX because it was still under investigation?!? He told me that I had to write a letter to them and send supporting documents to state that the bankruptcy was dismissed. I told him that I do not have XXXX additional days to wait for them to resolve the dispute and that the information should be removed immediately because I had already disputed it three separate times with no favorable results. I have to move in the next 30 days so this is unacceptable and TransUnion needs to remove this inaccuracy immediately! I never knew why I could not get approved for credit but it is because TransUnion has been reporting an open inaccurate bankruptcy on my report and refused to correct it for the last three years and this has caused me great distress, lack of resources, anxiety, XXXX, and mental anguish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account Portfolio Recovery stated that if the debt was paid that it would be taken off all three credit bureaus. This still remains on all three credit files and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I wrote a very detailed letter to request all inaccurate information listed on my credit reports to be updated and permanently removed. Upon deletion, I requested a letter after the information has been updated and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: HYUNDAI CAPITAL AMERICA
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:
On my credit report after 3 years of account closed Hyunday Capital posted a charge off in the amount of {$430.00}, when asked why an attempt of collection, call or letter was never sent they couldn't provide me an answer, my address and information never changed in the last 5 years, they simply decided to post the charge off which is hurting my business and financial situation since I need to keep my credit is good standing for my business to run properly.

My complaint is to make sure they had a valid bill and use not only the legal but the right way to do so, I have no problem in paying if they can prove the fact they tried to reach me first instead of simply report in my credit without giving me a chance of even check if is a legit debt. This is arbitrary and is hurting me and my business. 

I urge that such practice stop happening in the industry. 

Sincerely, 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