BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Rodenburg LLP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I first contacted the company, Rodenburg Law Firm, on XX/XX/2022, after being receiving a garnishment notice from XXXX on behalf of my employer. I immediately emailed Rodenburg Law Firm a signed and filled out exemption form from the State of Minnesota the same day, XX/XX/XXXX. I called Robenburg Law Firm the same day to confirm their receipt of the email that included the exemption form and they confirmed they received it and will forward it for review. At the time, I was presented with two options. One option was to wait for them to work with the county to confirm the exemption and the second option was to send in proof myself. This was in regards to me proving that I received rent assistance from XXXX Balance Program ( case ID XXXX ), which would make me exempt from my funds being garnished. I went with the first option, as I just sent the same exemption form to Rodenburg back in XX/XX/2022 when they initially tried to garnish my funds. Back in XXXX Rodenburg sent a release to ADP to stop the garnishment with no issue, so I figured the same would apply in XXXX. 

However, this was not the case, as I contacted Rodenburg on XX/XX/2022, for an update on the release. I was then advised that XXXX XXXX XXXX XXXX in Minnesota in which I received rent assistance in ) said I was no associated with the case ID ( XXXX ). Again, I had received a release using this same case number back in XXXX. I was then told to send in any proof that I received assistance to Rodenburg directly. I sent in all the documentation I could find on XX/XX/2022. I was not the main applicant, but I am on the lease and I am listed as a household member on the application for assistance ( meaning my info was used in the decision making process ). This included the application ( showed the address, case number, and applicant 's name ), the section that showed household members ( my name was listed along with my children and the main applicant ), a copy of the lease ( showing my name and the main applicant 's name ), and an email confirmation showing we were approved for assistance. 

I followed up with Rodenburg today, XX/XX/2022 and they still refused to acknowledge my exemption. If I'm on the lease and on the application, how am I not a recipient of relief based need? My information was used in the decision making process on if we qualified for assistance. Also, I am everybit as liable for the lease as the primary applicant, meaning if we were evicted it would go on my record. So any payments for that lease are also for me directly. 

On XX/XX/2022, over {$470.00} was garnished from my check after I already told them I was exempt. I am currently the only working adult in my household and this is causing a great hardship, especially during holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, 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 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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, 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 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this XXXX XXXX {$0.00} under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiableaccount.

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 2022-09-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a total of XXXX credit cards showing on all three major credit reporting agencies. While I was XXXX XXXX I placed a fraud protection on my account to make sure nothing like this would happen for the several years I would be unable to monitor it. At the beginning of 2021 I had my credit ran for a homeloan with my husband to then learn from the bank of these XXXX credit cards. The same thing happened to my husband. We have learned that my sister while in my home stole our credit and I informed all the credit cards companies and gave them police reports, as well as a letter detailing that it was impossible for us to open them while XXXX XXXX because they were supposed to call me prior to opening any credit card because my credit was on fraud protection alerts. It would have been impossible for them to speak to me because of the fact I was XXXX XXXX in the location I was in. IMPOSSIBLE. So I could have not open any credit cards. They have been unwilling to cancel the cards and delete them from my credit report. But they had no issues with charging them off because I refused to pay for cards that were fraud. My sister is now incarcerated because she was charge with stealing XXXX peoples credit cards and personal information to open cards. I am please asking for these to be asked to be deleted by your agency. I need the help from you because the credit card companies do not care that my service would have made it impossible for me to open them. They also failed to protect me and check with me per my fraud protection. Instead they ran my credit and allowed someone to open XXXX ( XXXX ) cards in my name. The cards are listed below. 

Capital One Credit Card : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-07-28
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please thank 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
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing several accounts with TransUnion over and over that show improper information where they are continuously showing them as Charged Off monthly and they continue to update it and change information. This is falsely manipulating the statute of limitations.

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 2022-09-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX. Experian XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, Experian, XXXX, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank 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
Consumer complaint received 2022-09-20
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX. XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX. XXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX Credit Bureaus, XXXX, TransUnion, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank 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 explanation
Consumer complaint received 2022-09-20
Company: PRANCER CAPITAL CORP
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested the permissible permission used to access my credit report by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017. I have made XXXX ' of this request for over 5 years. But Experian continues to investigate by reaching out to XXXX XXXX XXXX XXXX who then repeatedly replies they are reporting accurately. Whoever is reading this, I wish you would step up and not get involved in your company 's doc shuffle and force XXXX  to send what they used to request permissible permission to access my credit report. Illegally accessing my credit report in XX/XX/2017 led to a fraudulent, forged, loan through identity theft. I need the permissible permission used to fight the forgery.

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 2022-08-22
Company: CITIBANK, N.A.
State: TX
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:
I called for my Home Depot Store credit card for adding my spouse as authorized user. I also asked them to increase my credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my spouse 's credit profile or SSN? 
Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped.

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 2022-09-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX county Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. 

This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/2022. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 8 monthly mortgage payments made since his death. 

TRUIST has been in possession of the following documents since XX/XX/2022 : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. 


My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. 

I have been promised repeatedly since XXXX that this modification package would now be sent to me to administer as part of the estate. 

As of today, XX/XX/2022, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. 

Please advise what courses of action are available to me. 

Thanks for your assistance, and please advise if you need copies of any documents I have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2022-09-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Back in 2016 I file for bankruptcy XXXX XXXX. I have a card with navy federal credit union. I have tried several time to reestablished my credit. I have applied for a secure visa under their program. They denied me for I had a incident, loss or problem with the card I put in the XXXX XXXX 

When I got my life together I dropped the XXXX XXXX  and what was owed to Navy Federal I paid in full. Through my checking account I have with them. I feel that Navy fed is discriminating and giving unfair treatment against me because I had to file a XXXX  XXXX that was filed because of excessive medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation